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Suburb profile ·Cootamundra-Gundagai Regional LGA · NSW ·2729

Tumblong NSW 2729

Tumblong is in Cootamundra-Gundagai Regional LGA, NSW, postcode 2729, with population 225.

The read

Affordability-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.

$420/wk
Jun 2025 → Jun 2026 · 8 periods
NSW Fair Trading · postcode 2729 · Jun 2026 · sparse signal
$600
$290
Jun 2025Jun 2026
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$650K
House median, latest period
7.8%YoY D3 vs AU
Median rent
$420/wk
Rent context available
≈D9 vs AU
Gross yield
3.4%
Below investor band
D10 vs AU
Population
225
225 local footprint
D6 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
457
27 added 12mo · 3MW
Price cycleCorrecting
LowPeak

16.4% below peak · 441.7% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2007Peak · 2021

16.4% below peak · 441.7% above its low

Price growth (compound)% per year
3-yr
-5.8%
5-yr
+10.6%
10-yr
+12.2%
Indicative cashflow-$325/wk (-$16,900/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-26% vs suburbs of similar SEIFA advantage (decile 5)

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 Tumblong

Owner-occupied 77%Rented 23%
Investor activityATO
Negatively geared4.4%
45 of 130 landlords
Avg rental loss$7,932/yr
Landlords (rental income)130
Reported capital gains68
The read

Owner-occupier stronghold

76% of homes here are owner-occupied and 22% rented, with 4% of landlords negatively geared.

Why it fits

76% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.4% is thin — returns here lean on capital growth, not cash flow.

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

Mortgage affordability

48%
of household income to service a new loan
10.9 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,185/mo vs median rent $1,820/mo (+75% · +$315/wk)

If rates move

At 4.2%: $2,543/mo (-642) · at 6.2% (current): $3,185/mo · at 8.2%: $3,888/mo (+703)

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

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
8.2x
median home price as a multiple of annual household income
Moderate
Renting
28%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $1,820/mo — renting runs $520/mo higher on these medians.

Median price
$650K
Household income · yr
$79K
Median rent · wk
$420
Owner mortgage · mo
$1,300
Gross yield
3.4%

Household income

$79K household · yr-3.7% vs NSW suburb median
Personal
$39K
Family
$92K
Household
$79K
Household income distribution (ABS Census 2021 · weekly)27% could service the median house
Under $300
5
$300-649
0
$650-999
11
$1,000-1,499
14
$1,500-1,999
11
$2,000-2,999
9
$3,000-3,999
5
$4,000+
7

Serviceability line: a household needs about $2,450/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 46% of households here would spend more than 30% of income on rent (rent stress line: $1,400/wk income).

Housing stock and tenure

Tenure (72 households)
Owned outright
35%
Owned with mortgage
42%
Rented
22%
Dwelling structure
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 69% drive, 0% public transport, 12% walk or cycle, 12% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Building due diligence

Construction requirements can change by location.

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 31.2% 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

Moderate exposure ~31.2%
~31.2% of the suburb is Bush Fire Prone Land · ~6.0% 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

Dominant zone Primary Production
Rural / Green wedge 100%

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

3,713 people · 20223,635 by 2032 (-2.1%)

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

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

Tumblong is a sparsely populated locality in New South Wales within the Cootamundra-Gundagai Regional local government area (postcode 2729). It is home to about 225 residents, with an established family demographic and a median age of 42. Households earn a median income of $79K per year, with an average household size of 2.6 people. 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 managers, labourers, clerical & administrative. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are Australian, English, Scottish.

Median house prices in Tumblong stand at $650,000, having fallen by 7.8% over the last twelve months. The current median weekly rent is $420. This gives a gross rental yield of approximately 3.4%. The median monthly mortgage repayment is $1,300.

Public transport access includes 16 bus stops.

Looking at the investment signals, Gross rental yield sits at around 3.4% (moderate yield). Property prices sit below the state median ($650K/$1.5M), which can point to relative value. The price-to-income ratio of 8.2x is considered moderate. House prices have moved -7.8% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield3.4%· Moderate Yield
Price vs State$650K/$1.5M Below Median
Affordability8.2x· Moderate
Price Momentum-7.8% Falling
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$188
Market rent · wk(2026-06)$420
Gross yield1.5%
Price / income8.2x
Property investors · Postcode 2729ATO
Negatively geared4.4%
45 of filers
Avg rental loss$7,932/yr
Landlords (rental income)130
Reported capital gains68
People & prosperity
DemographicsCensus 21
Population225
Median age42
Household size2.6
HH income · wk$1,524
Personal income · wk$749
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)4/10
Economic (IER)5/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,339 → $1,524
Change+13.8%
vs NSW median-6.8 pp
Median rent+147.4%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops16
Hospitals · Cootamundra-Gundagai Regional LGAAIHW
Public2
Private0
Cootamundra Hospitalpublic
Gundagai Hospitalpublic
Aged care · Cootamundra-Gundagai Regional LGAGEN
Facilities4
Residential places154
Adina Care Cootamundra62 places
Southern Cross Care Cootamundra Residential Aged Care55 places
Uralba Hostel19 places
Gundagai Multi-Purpose Service18 places
Childcare · Cootamundra-Gundagai Regional LGAACECQA
Services9
Approved places407
Exceeding NQS1
Thrive OSHC Gundagai91 places
Gumnut Child Care Centre (Gundagai)60 places
Cootamundra Early Learning Centre50 places
Milestones Early Learning Cootamundra50 places
Creekside Kids Early Learning Centre48 places
Cootamundra Preschool Incorporated44 places
+3 more in Cootamundra-Gundagai Regional LGA
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Current status
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Sources & freshness
Usable evidence

Tumblong works as a starting read but still needs cross-checking.

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 · 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 · No linked local crime series
medium stability · automated · every update · release-based
Missing
Schools
ACARA 2025 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 16 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

Tumblong FAQ

Common questions
  1. What LGA is Tumblong in?

    Tumblong is in the Cootamundra-Gundagai Regional Local Government Area, NSW, postcode 2729. Council-level context for Cootamundra-Gundagai Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Tumblong?

    The current median house price in Tumblong, NSW is $650K, 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 Tumblong?

    The median weekly rent in Tumblong is $420/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Tumblong?

    Rent context available: Tumblong has usable rent context. 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 Tumblong a good investment?

    QuickProperty's investment signals for Tumblong show: Moderate 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 Tumblong?

    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 Tumblong 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.