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Suburb profile ·Lockhart LGA · NSW ·2655

The Rock NSW 2655

The Rock is in Lockhart LGA, NSW, postcode 2655, with population 1,347.

The read

Income-first

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$480/wk
Aug 2025 → Jun 2026 · 10 periods
NSW Fair Trading · postcode 2655 · Jun 2026 · sparse signal
$600
$420
Aug 2025Jun 2026
Why it fits

Gross yield screens at about 5.8%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

Read full evidence → Compare suburb Run calculator
Median house
$433K
House median, latest period
↑1.2%YoY D2 vs AU
Median rent
$480/wk
Rent-led investor candidate
≈D10 vs AU
Gross yield
5.8%
Strong yield band
D10 vs AU
Population
1,347
1K local footprint
D8 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
6h 5m
494.8 km to Sydney CBD · free-flow
Solar
363
18 added 12mo · 2MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

House and unit medians · ABS + state datasets

Trend & investor depth

Derived from this suburb's own price, rent and income history
Cycle positionAt its peak
Low · 2005Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+5.5%
5-yr
+9.5%
10-yr
+9.1%
Indicative cashflow-$66/wk (-$3,424/yr) · interest-only @ 6.4%, 80% LVR
Market turnover4.4% of homes traded/yr (23 sales · -15% vs 3-yr avg)
Value vs advantage-45% vs suburbs of similar SEIFA advantage (decile 4)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size).

Investor profile

Who invests in The Rock

Owner-occupied 85%Rented 15%
Investor activityATO
Negatively geared6%
51 of 117 landlords
Avg rental loss$5,938/yr
Landlords (rental income)117
Reported capital gains60
Investor exposure index(low vs national)41.2/100
The read

Owner-occupier stronghold

81% of homes here are owner-occupied and 14% rented, with 6% of landlords negatively geared.

Why it fits

81% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

RBA rate · ABS Census 2021 household income
36%
of household income to service a new loan
8.2 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRoughly even

New-loan repayment $2,119/mo vs median rent $2,080/mo (+2% · +$9/wk)

If rates move

At 4.2%: $1,692/mo (-427) · at 6.2% (current): $2,119/mo · at 8.2%: $2,587/mo (+468)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Similar-priced suburbs in other council areas that rate higher on a metric.

Higher yield

similar price · cross-LGA

Stronger 5-yr growth

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying & renting · ABS Census + state data
Buying
6.1x
median home price as a multiple of annual household income
Moderate
Renting
35%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $2,080/mo — renting runs $780/mo higher on these medians.

Median price
$433K
Household income · yr
$71K
Median rent · wk
$480
Owner mortgage · mo
$1,300
Gross yield
5.8%

Household income

ABS Census · ATO
$71K household · yr-14.2% vs NSW suburb median
Personal
$33K
Family
$91K
Household
$71K
Household income distribution (ABS Census 2021 · weekly)43% could service the median house
Under $300
6
$300-649
76
$650-999
70
$1,000-1,499
84
$1,500-1,999
49
$2,000-2,999
78
$3,000-3,999
37
$4,000+
25

Serviceability line: a household needs about $1,630/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 57% of households here would spend more than 30% of income on rent (rent stress line: $1,600/wk income).

Housing stock and tenure

ABS Census 2021
Tenure (472 households)1.7% social housing
Owned outright
41%
Owned with mortgage
39%
Rented
14%
Dwelling structure6.0% of dwellings unoccupied on census night
Separate house
98%
Townhouse / semi
0%
Flat / apartment
1%

Getting to work: 80% drive, 0% public transport, 3% walk or cycle, 14% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

ACARA 2025
Total1
Avg ICSEA953
Students169
Government1
  • The Rock Central SchoolCombined · Government · ICSEA 953

Livability

OSM · GTFS · schools + hospitals
65/ 100 livability index

Top 35% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 65% of Australian suburbs
WeakerTypicalStronger
Everyday access66
Public transport (40 stops)78
Schools & hospitals25

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Crime April 2025 - March 2026
97
2,792 per 100k
D4 vs AU

Crime

lga
Rate · per 100k2,792
Total incidents97· April 2025 - March 2026
  • Assault1545%
  • Sexual Offences412%
  • Robbery13%
  • Break And Enter1339%

Development screen

Could a secondary dwelling be worth investigating?

Some supporting context
secondary dwelling / granny flat screening context Medium broad constraint context

Policy position

Official policy reviewed

Permitted in residential zones under the Housing SEPP; may be approved by consent or as complying development when Housing SEPP and Codes SEPP standards are met.

Rental use: Secondary dwelling rental use is allowed as a dwelling use, subject to planning and tenancy rules.

Open official policy source

Separate houses

92.2%

Suburb share of occupied private dwellings recorded as separate houses.

14.7 pp above the state median

State median 77.5% · 1,253 valid suburbs

Residential-zone context

1.8%

Broad suburb sampling only; the property zoning and overlays can differ.

40.5 pp below the state median

State median 42.3% · 1,245 valid suburbs

Rental households

14.2%

Demand context only; it does not establish permission to rent a secondary dwelling.

11.7 pp below the state median

State median 25.9% · 1,253 valid suburbs

Mapped hazards

bushfire moderate

The staged suburb layer indicates a broad-area constraint that needs address-level checking. No broad-area layer staged for this suburb.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Source reviewed

    State policy position

    QuickProperty reviewed the official secondary dwelling / granny flat policy source.

  2. 02 Property dependent

    Planning pathway

    Test consent or complying-development eligibility, including the 450 m² lot marker and all other standards.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: The Rock unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

The Rock, NSW 2655 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

Building due diligence

Construction requirements can change by location.

1 broad-area layer staged

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone land

Moderate broad-area context

About 32.1% of the suburb intersects mapped bushfire-prone land.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire exposure

NSW RFS Bush Fire Prone Land
Moderate exposure ~32.1%
~32.1% of the suburb is Bush Fire Prone Land · ~7.7% Category 1 (highest hazard)

Estimated exposure to NSW RFS Bush Fire Prone Land (CC BY), point-sampled across the suburb. This shows how much of the suburb sits within the official hazard layer — it is not a Bushfire Attack Level (BAL) rating or a property-level assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Planning zones

NSW Land Zoning (EPI)
Dominant zone Primary Production
Rural / Green wedge 98% Public / Open space 1% Residential 1%
Residential density: Low

Land-use mix estimated by point-sampling the suburb against NSW EPI Land Zoning polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Population outlook

ABS projection · Wagga Wagga Surrounds SA2 area · 2022 base
18,174 people · 202224,264 by 2032 (+33.5%)

ABS population projection (2022 base) for the Wagga Wagga Surrounds SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
The Rock NSW — Property Data and Demographics

The Rock is a close-knit residential community in New South Wales within the Lockhart local government area (postcode 2655). The area has roughly 1,347 residents and a settled mid-life population, with a median age of 42. Households earn a median income of $71K per year, with an average household size of 2.6 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.6% year-on-year at the LGA level. NSW employment has moved +1.2% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. NSW also had 35 Commonwealth-backed major projects under construction, 17 underway, and 67 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are technicians & trades, managers, professionals. Employment in the area leans toward healthcare and agriculture. The top ancestries reported are Australian, English, Irish.

The Rock has a median house price of $433,000, which has ticked up by 1.2% year-on-year. The current median weekly rent is $480. This gives a gross rental yield of approximately 5.8%. The median monthly mortgage repayment is $1,300.

The Rock is served by 1 school, including 1 combined. The average ICSEA score is 953, which is around the national average of 1,000. Public transport access includes 4 rail stations, 36 bus stops. The crime rate in the Lockhart LGA is below average at 2,792 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 5.8%, which reads as high yield. Property prices sit below the state median ($433K/$1.5M), which can point to relative value. The price-to-income ratio of 6.1x is considered moderate. House prices have moved +1.2% year-on-year. Population growth of +0.6% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield5.8%↑ High Yield
Price vs State$433K/$1.5M↑ Below Median
Affordability6.1x· Moderate
Price Momentum+1.2%· Stable
Pop. Growth+0.6%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$245
Market rent · wk(2026-06)$480
Gross yield2.9%
Price / income6.1x
Sales vol (latest Q)(2025-Q4)6
Population growth · Lockhart LGAABS ERP
Population (2025)3,509
5-year growth+1.2% CAGR
YoY change+0.6%
20012025
Development · Lockhart LGAABS Approvals
Approvals (2026)9
Houses 56%Units 44%
YoY change+0%
Employment · Lockhart LGASALM
Unemployment (Dec-25)1.8%
YoY change+0.2pp
Jun-24Dec-25
Property investors · Postcode 2655ATO
Negatively geared6%
51 of filers
Avg rental loss$5,938/yr
Landlords (rental income)117
Reported capital gains60
People & prosperity
DemographicsCensus 21
Population1,347
Median age42
Household size2.6
HH income · wk$1,358
Personal income · wk$636
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)4/10
Economic (IER)5/10
Disadvantage (IRSD)3/10
Income momentumCensus 16→21
HH income · wk$1,228 → $1,358
Change+10.6%
vs NSW median-10 pp
Median rent+22.5%
softeningvs NSW 2016–21
Top occupationsCensus
Technicians & Trades109Managers82Professionals81Community & Personal Service65Clerical & Administrative58
Top industriesCensus
Healthcare106Agriculture61Education47Transport & Logistics40Retail Trade37
Top ancestryCensus
Australian630English519Irish195Scottish177German89
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies1
GP / clinics2
Fuel stations1
Cafes & dining1
TransportGTFS
Rail stations4
Bus stops36
Davidson St At Railway St
Railway St At Park St
Scott St At Railway St
The Rock Station, Coach Stop
Hospitals · Lockhart LGAAIHW
Public1
Private0
Lockhart Hospitalpublic
Aged care · Lockhart LGAGEN
Facilities3
Residential places66
Emily Gardens at the Rock30 places · in suburb
Woodhaven21 places
Lockhart Multi-Purpose Service15 places
Childcare · Lockhart LGAACECQA
Services5
Approved places120
Exceeding NQS0
The Rock Preschool Inc29 places · in suburb
Lockhart Early Learning Centre25 places
Lockhart Preschool Kindergarten25 places
The RockOOSH25 places · in suburb
Pleasant Hills Pre-School Kindergarten16 places
Nearby in Lockhart LGA12
Lockhart$354K · 1,019Yerong Creek$300K · 355Pleasant Hills$142K · 127Milbrulong$110K · 119Fargunyah · 22Brookong · 21Munyabla · 72Wrathall · 17Ryan · 62Tootool · 51Urangeline East · 37Bidgeemia · 32
Tax calculatorsaustax.tools
Stamp Duty CalculatorNSW ↗Land Tax CalculatorNSW ↗Capital Gains Tax↗Depreciation Calculator↗Investment Property Tax↗
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Sources & freshness
Strong evidence

There is enough direct local evidence on The Rock for a first-pass decision.

QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.

PRICE POSTURE
NSW price medians are parser-guarded official records.

Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records

RENT POSTURE
Rent is using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
NSW Valuer General · 2025-Q4 · Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records
medium stability · automated · every update · weekly
Available
Market rent
NSW Fair Trading · 2026-06 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 40 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

The Rock FAQ

Common questions
  1. What LGA is The Rock in?

    The Rock is in the Lockhart Local Government Area, NSW, postcode 2655. Council-level context for Lockhart LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in The Rock?

    The current median house price in The Rock, NSW is $433K, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in The Rock?

    The median weekly rent in The Rock is $480/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about The Rock?

    Rent-led investor candidate: Gross rent yield screens at about 5.8%. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  5. Is The Rock a good investment?

    QuickProperty's investment signals for The Rock show: High Yield, Below Median, Moderate. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for The Rock?

    Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.

  7. How often is the The Rock data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.