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Suburb profile ·Kiama LGA · NSW ·2534

Werri Beach NSW 2534

Werri Beach is in Kiama LGA, NSW, postcode 2534, with population 510.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$762/wk
Rising
+7.7% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2534 · Jun 2026
$825
$610
Jun 2025Jun 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.8M
House median, latest period
42.4%YoY D9 vs AU
Median rent
$762/wk
Rent-pressure candidate
7.7%YoY D10 vs AU
Gross yield
2.2%
Low yield band
D6 vs AU
Population
510
510 local footprint
D7 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
1,279
91 added 12mo · 9MW
Price cycleCorrecting
LowPeak

42.4% below peak · 239.6% above its low

See trend depth →

Price history

Houses to Q4'24 · Units to 2021 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionCorrecting
Low · 2011Peak · 2025

42.4% below peak · 239.6% above its low

Price growth (compound)% per year
3-yr
-6.1%
5-yr
-7.0%
10-yr
+5.8%
Indicative cashflow-$1,201/wk (-$62,442/yr) · interest-only @ 6.4%, 80% LVR
Market turnover13.7% of homes traded/yr (28 sales · +20% vs 3-yr avg)
Rent stabilitytypical — rents vary ±6.0% around trend (short window, 13 pts)
Value vs advantage+14% vs suburbs of similar SEIFA advantage (decile 10)

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).

Investment grade

Fgrade · 1/100 · top 99% of 3,604AU suburbs
Peer distributionstronger than 1% of AU suburbs
WeakerTypicalStronger
Capital growth1
Rental yield25
Stability4
Volatility-34.7ppCycle-1.0

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Werri Beach

Owner-occupied 84%Rented 16%
Investor activityATO
Negatively geared7.7%
266 of 721 landlords
Avg rental loss$9,175/yr
Landlords (rental income)721
Reported capital gains499
Investor exposure index(moderate vs national)64.2/100
The read

Owner-occupier stronghold

83% of homes here are owner-occupied and 15% rented, with 8% of landlords negatively geared.

Why it fits

83% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.2% 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

105%
of household income to service a new loan
23.8 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $8,820/mo vs median rent $3,302/mo (+167% · +$1273/wk)

If rates move

At 4.2%: $7,042/mo (-1,778) · at 6.2% (current): $8,820/mo · at 8.2%: $10,768/mo (+1,948)

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
17.8x
median home price as a multiple of annual household income
Stretched
Renting
39%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $2,513/mo, while renters pay about $3,302/mo — renting runs $789/mo higher on these medians.

Median price
$1.80M
Household income · yr
$101K
Median rent · wk
$762
Owner mortgage · mo
$2,513
Gross yield
2.2%

Household income

$101K household · yr+22.6% vs NSW suburb median
Personal
$45K
Family
$116K
Household
$101K
Household income distribution (ABS Census 2021 · weekly)fewer than 16% could service the median house
Under $300
6
$300-649
11
$650-999
20
$1,000-1,499
23
$1,500-1,999
23
$2,000-2,999
35
$3,000-3,999
23
$4,000+
27

Serviceability line: a household needs about $6,784/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 61% of households here would spend more than 30% of income on rent (rent stress line: $2,540/wk income).

Housing stock and tenure

Tenure (182 households)
Owned outright
56%
Owned with mortgage
27%
Rented
15%
Dwelling structure36.3% of dwellings unoccupied on census night
Separate house
87%
Townhouse / semi
14%
Flat / apartment
3%

Getting to work: 67% drive, 2% public transport, 3% walk or cycle, 27% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

14/ 100 livability index

Top 86% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 14% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (16 stops)47
Schools & hospitals0

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
390
1,683 per 100k
D2 vs AU

Crime

Rate · per 100k1,683
Total incidents390· April 2025 - March 2026
  • Assault6748%
  • Sexual Offences3324%
  • Robbery11%
  • Break And Enter3928%

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

Low broad-area context

About 9.6% 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

Low exposure ~9.6%
~9.6% of the suburb is Bush Fire Prone Land

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 Low Density Residential
Residential 59% Public / Open space 38%
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

8,058 people · 20227,933 by 2032 (-1.6%)

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

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

Werri Beach is a small locality in New South Wales within the Kiama local government area (postcode 2534). It is home to about 510 residents, with a settled, mature resident base and a median age of 47. Households earn a median income of $101K per year, with an average household size of 2.5 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at -0.1% 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 professionals, managers, technicians & trades. Employment in the area leans toward education and construction. The top ancestries reported are English, Australian, Irish.

Werri Beach has a median house price of $1.8 million, which has declined steeply by 42.4% year-on-year. Units have a median price of $862,000 (+19.3% YoY). The current median weekly rent is $762. This gives a gross rental yield of approximately 2.2%. The median monthly mortgage repayment is $2,513.

Public transport access includes 16 bus stops. The crime rate in the Kiama LGA is low at 1,683 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 2.2%, which reads as low yield. Property prices are near the state median ($1.8M/$1.5M). The price-to-income ratio of 17.8x is considered stretched. House prices have moved -42.4% year-on-year. Population growth of -0.1% year-on-year points to declining demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield2.2% Low Yield
Price vs State$1.8M/$1.5M· Near Median
Affordability17.8x Stretched
Price Momentum-42.4% Falling
Pop. Growth-0.1% Declining
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,513
Rent · wk(Census)$480
Market rent · wk(2026-06)$762
Gross yield1.4%
Price / income17.8x
Sales vol (latest Q)(2024-Q4)11
Population growth · Kiama LGAABS ERP
Population (2025)23,139
5-year growth+0.2% CAGR
YoY change-0.1%
20012025
Development · Kiama LGAABS Approvals
Approvals (2026)158
Houses 33%Units 67%
YoY change+0%
Employment · Kiama LGASALM
Unemployment (Dec-25)2.3%
YoY change-0.1pp
Dec-10Dec-25
Property investors · Postcode 2534ATO
Negatively geared7.7%
266 of filers
Avg rental loss$9,175/yr
Landlords (rental income)721
Reported capital gains499
People & prosperity
DemographicsCensus 21
Population510
Median age47
Household size2.5
HH income · wk$1,941
Personal income · wk$873
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)8/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$1,593 → $1,941
Change+21.8%
vs NSW median+1.2 pp
Median rent+31.5%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops16
Hospitals · Kiama LGAAIHW
Public1
Private0
Kiama Hospitalpublic
Aged care · Kiama LGAGEN
Facilities2
Residential places254
Blue Haven Bonaira134 places
Uniting Gerringong120 places
Childcare · Kiama LGAACECQA
Services15
Approved places679
Exceeding NQS7
Little Zaks Academy Kiama112 places
Peak Sports and Learning Minnamurra75 places
Peak Sports and Learning Kiama60 places
Kiama Downs Community Preschool 0-556 places
Peak Sports and Learning Gerringong50 places
CatholicCare OOSH- Ss Peter and Paul Kiama44 places
+9 more in Kiama LGA
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Sources & freshness
Strong evidence

There is enough direct local evidence on Werri Beach 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 · 2024-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 · 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 · 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.

Werri Beach FAQ

Common questions
  1. What LGA is Werri Beach in?

    Werri Beach is in the Kiama Local Government Area, NSW, postcode 2534. Council-level context for Kiama LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Werri Beach?

    The current median house price in Werri Beach, NSW is $1.8M, 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 Werri Beach?

    The median weekly rent in Werri Beach is $762/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Werri Beach?

    Rent-pressure candidate: Werri Beach rents screen above the local benchmark. 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 Werri Beach a good investment?

    QuickProperty's investment signals for Werri Beach show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Werri Beach?

    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 Werri Beach 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.