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Suburb profile ·Tamworth Regional LGA · NSW ·2355

Watsons Creek NSW 2355

Watsons Creek is in Tamworth Regional LGA, NSW, postcode 2355, with population 94.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$623K
+126.4% YoY
2007 → 2021 · 2 periods
ABS + state medians
$623K
$275K
2007 2021
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
$623K
House median, latest period
126.4%YoY D3 vs AU
Median rent
No market rent dataset
Gross yield
Need rent + price
Population
94
94 local footprint
D4 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
134
5 added 12mo · 1MW

Price history

Trend & investor depth

Value vs advantage-11% vs suburbs of similar SEIFA advantage (decile 3)

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 Watsons Creek

Owner-occupied 100%Rented 0%
Investor activityATO
Negatively geared3.9%
14 of 40 landlords
Avg rental loss$2,727/yr
Landlords (rental income)40
Reported capital gains22
The read

Owner-occupier stronghold

87% of homes here are owner-occupied and 0% rented, with 4% of landlords negatively geared.

Why it fits

87% 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

95%
of household income to service a new loan
21.5 yrs
to save a 20% deposit
Severe
housing-stress band
If rates move

At 4.2%: $2,435/mo (-615) · at 6.2% (current): $3,050/mo · at 8.2%: $3,724/mo (+674)

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

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

16.1x
median home price as a multiple of annual household income
Stretched
Median price
$623K
Household income · yr
$39K
Owner mortgage · mo
$1,170

Household income

$39K household · yr-53.1% vs NSW suburb median
Personal
$27K
Family
$70K
Household
$39K
Household income distribution (ABS Census 2021 · weekly)11% could service the median house
Under $300
9
$300-649
9
$650-999
8
$1,000-1,499
5
$1,500-1,999
0
$2,000-2,999
3
$3,000-3,999
0
$4,000+
3

Serviceability line: a household needs about $2,346/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

Housing stock and tenure

Tenure (46 households)
Owned outright
70%
Owned with mortgage
17%
Rented
0%
Dwelling structure25.4% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 32% drive, 0% public transport, 8% walk or cycle, 42% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
4,706
7,140 per 100k
D8 vs AU

Crime

Rate · per 100k7,140
Total incidents4,706· April 2025 - March 2026
  • Assault1,21556%
  • Sexual Offences28513%
  • Robbery221%
  • Break And Enter66630%

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

Severe broad-area context

About 100.0% 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

Severe exposure ~100.0%
~100.0% of the suburb is Bush Fire Prone Land · ~81.6% 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 95% Public / Open space 6%

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

19,360 people · 202220,797 by 2032 (+7.4%)

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

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

Watsons Creek is a sparsely populated locality in New South Wales within the Tamworth Regional local government area (postcode 2355). The area has roughly 94 residents and a settled, mature resident base, with a median age of 53. Households earn a median income of $39K per year, with an average household size of 1.9 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, professionals, technicians & trades. Employment in the area leans toward agriculture and education. The top ancestries reported are English, Australian, Irish.

Median house prices in Watsons Creek stand at $623,000, having jumped by 126.4% over the last twelve months. The median monthly mortgage repayment is $1,170.

Public transport access includes 2 bus stops. The crime rate in the Tamworth Regional LGA is moderate at 7,140 incidents per 100,000 population.

From an investment perspective, Property prices sit below the state median ($623K/$1.5M), which can point to relative value. The price-to-income ratio of 16.1x is considered stretched. House prices have moved +126.4% year-on-year.

Market & money
Investment signalsHeuristics
Price vs State$623K/$1.5M Below Median
Affordability16.1x Stretched
Price Momentum+126.4% Rising
InvestmentNSW
Mortgage · mth$1,170
Rent · wk(Census)
Price / income16.1x
Property investors · Postcode 2355ATO
Negatively geared3.9%
14 of filers
Avg rental loss$2,727/yr
Landlords (rental income)40
Reported capital gains22
People & prosperity
DemographicsCensus 21
Population94
Median age53
Household size1.9
HH income · wk$743
Personal income · wk$520
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)3/10
Education (IEO)5/10
Economic (IER)4/10
Disadvantage (IRSD)4/10
Income momentumCensus 16→21
HH income · wk$662 → $743
Change+12.2%
vs NSW median-8.4 pp
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops2
Hospitals · Tamworth Regional LGAAIHW
Public6
Private3
Barraba Multi Purpose Servicepublic
Manilla Hospitalpublic
Nepean Hospitalpublic
Tamworth Hospitalpublic
Tresillian Family Care Centre, Kingswoodpublic
Wentworth Psychiatric Servicespublic
+3 more in Tamworth Regional LGA
Aged care · Tamworth Regional LGAGEN
Facilities13
Residential places764
Tamworth Community Aged Care144 places
Bupa Tamworth106 places
Nazareth House Tamworth90 places
RFBI Moonbi Masonic Village - Jim Holm87 places
Heritage Kingswood77 places
RFBI Tamworth Masonic Village62 places
+7 more in Tamworth Regional LGA
Childcare · Tamworth Regional LGAACECQA
Services51
Approved places2,828
Exceeding NQS8
Bright Steps Academy Calala120 places
Poppins Bush School Pty Ltd118 places
South Year Round Care108 places
East Year Round Care105 places
Busy Bees at Tamworth102 places
Milestones Early Learning Centre90 places
+45 more in Tamworth Regional LGA
Shortlist workspace

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Current status
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Sources & freshness
Usable evidence

Watsons Creek 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
No local rent source is linked yet.

Treat the rent field as missing until a market or plausible Census rent value is linked.

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 · 2021 · 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
ABS Census 2021 · No market rent source linked
stable source · manual file · snapshot · census-cycle
Missing
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
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 · 2 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.
Sparse locality note

This page stays indexable because Watsons Creek is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches, hospital coverage, population trend data, and building approvals.

The lighter areas here are school matches, hospital coverage, population trend data, and building approvals, so a single-page read should carry less weight than usual.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Start here for context, then open compare, the state hub, or larger nearby suburbs before treating this as a complete market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

This page is useful for direction-setting, not closure. Use it to frame the locality, then confirm the story with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Watsons Creek feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Rushes Creek better covered
similar price band similar suburb scale better market coverage

pop same · house -$52.5K · adds rent coverage

Better covered alternative: use this as the stronger reference point before judging the thin page.

Ogunbil better covered
similar price band similar suburb scale better market coverage

pop +100 · house +$37.5K · adds rent coverage

Better covered alternative: use this as the stronger reference point before judging the thin page.

Bithramere better covered
similar price band similar suburb scale better market coverage

pop +100 · house +$52.5K · adds rent coverage

Better covered alternative: use this as the stronger reference point before judging the thin page.

Watsons Creek FAQ

Common questions
  1. What LGA is Watsons Creek in?

    Watsons Creek is in the Tamworth Regional Local Government Area, NSW, postcode 2355. Council-level context for Tamworth Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Watsons Creek?

    The current median house price in Watsons Creek, NSW is $623K, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. Is Watsons Creek a good investment?

    QuickProperty's investment signals for Watsons Creek show: Below Median, Stretched, Rising. These are computed from price, rent, income, and population data — not an opaque score.

  4. Where does QuickProperty get its data for Watsons Creek?

    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.

  5. How often is the Watsons Creek 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.