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Suburb profile ·Northern Beaches LGA · NSW ·2107

Whale Beach NSW 2107

Whale Beach is in Northern Beaches LGA, NSW, postcode 2107, with population 315.

The read

Growth-momentum

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.

$1065/wk
Rising
+25.0% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2107 · Jun 2026
$1350
$832
Jun 2025Jun 2026
Why it fits

Recent price movement shows visible market momentum. 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
$9.0M
House median, latest period
65.9%YoY D10 vs AU
Median rent
$1065/wk
Rent-pressure candidate
25.0%YoY D10 vs AU
Gross yield
0.6%
Low yield band
D1 vs AU
Population
272,656
273K via Northern Beaches LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
1,539
131 added 12mo · 12MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2014Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+31.0%
5-yr
+11.6%
10-yr
+11.6%
Indicative cashflow-$8,063/wk (-$419,265/yr) · interest-only @ 6.4%, 80% LVR
Market turnover16.8% of homes traded/yr (24 sales · +6% vs 3-yr avg)
Rent stabilityvolatile — rents vary ±16.0% around trend (short window, 13 pts)
Value vs advantage+468% 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).

Investor profile

Who invests in Whale Beach

Owner-occupied 85%Rented 16%
Investor activityATO
Negatively geared6.5%
684 of 2,044 landlords
Avg rental loss$13,080/yr
Landlords (rental income)2,044
Reported capital gains1,620
Investor exposure index(moderate vs national)71.1/100
The read

Owner-occupier stronghold

80% of homes here are owner-occupied and 15% rented, with 7% of landlords negatively geared.

Why it fits

80% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 0.6% 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

310%
of household income to service a new loan
70.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $44,098/mo vs median rent $4,615/mo (+856% · +$9111/wk)

If rates move

At 4.2%: $35,209/mo (-8,889) · at 6.2% (current): $44,098/mo · at 8.2%: $53,838/mo (+9,741)

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

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
52.7x
median home price as a multiple of annual household income
Stretched
Renting
32%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $3,467/mo, while renters pay about $4,615/mo — renting runs $1,148/mo higher on these medians.

Median price
$9.00M
Household income · yr
$171K
Median rent · wk
$1,065
Owner mortgage · mo
$3,467
Gross yield
0.6%

Household income

$171K household · yr+107.5% vs NSW suburb median
Personal
$91K
Family
$249K
Household
$171K
Household income distribution (ABS Census 2021 · weekly)fewer than 52% could service the median house
Under $300
5
$300-649
0
$650-999
0
$1,000-1,499
11
$1,500-1,999
15
$2,000-2,999
9
$3,000-3,999
8
$4,000+
52

Serviceability line: a household needs about $33,921/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 48% of households here would spend more than 30% of income on rent (rent stress line: $3,550/wk income).

Housing stock and tenure

Tenure (123 households)
Owned outright
59%
Owned with mortgage
21%
Rented
15%
Dwelling structure41.0% of dwellings unoccupied on census night
Separate house
96%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 36% drive, 0% public transport, 0% walk or cycle, 62% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
4,025
1,487 per 100k
D2 vs AU

Crime

Rate · per 100k1,487
Total incidents4,025· April 2025 - March 2026
  • Assault99460%
  • Sexual Offences35321%
  • Robbery241%
  • Break And Enter27817%

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 14.7% 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 ~14.7%
~14.7% of the suburb is Bush Fire Prone Land · ~1.7% 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.

Short-term rentals

33
active listings · ~104.8 per 1,000 residents
100%
entire homes (vs private rooms)
76%
run by multi-listing operators

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Environmental Living
Residential 68% Public / Open space 23%
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

12,921 people · 202213,114 by 2032 (+1.5%)

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

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

Located in New South Wales within the Northern Beaches local government area, Whale Beach is a quiet locality (postcode 2107). The area has roughly 315 residents and a more retirement-aged population, with a median age of 60. Households earn a median income of $171K per year, with an average household size of 2.2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.5% 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, sales. Employment in the area leans toward professional services and finance & insurance. The top ancestries reported are English, Australian, Scottish.

The median house price in Whale Beach is $9.0 million, having risen steeply by 65.9% over the past year. The current median weekly rent is $1065. This gives a gross rental yield of approximately 0.6%. The median monthly mortgage repayment is $3,467.

Public transport access includes 5 bus stops. The crime rate in the Northern Beaches LGA is low at 1,487 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 0.6%, which reads as low yield. Property prices are above the state median ($9.0M/$1.5M), placing it in the premium segment. The price-to-income ratio of 52.7x is considered stretched. House prices have moved +65.9% year-on-year. Population growth of +0.5% 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 Yield0.6% Low Yield
Price vs State$9.0M/$1.5M Above Median
Affordability52.7x Stretched
Price Momentum+65.9% Rising
Pop. Growth+0.5%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$3,467
Rent · wk(Census)$950
Market rent · wk(2026-06)$1065
Gross yield0.5%
Price / income52.7x
Sales vol (latest Q)(2021-Q2)7
Population growth · Northern Beaches LGAABS ERP
Population (2025)272,656
5-year growth+0.3% CAGR
YoY change+0.5%
20012025
Development · Northern Beaches LGAABS Approvals
Approvals (2026)535
Houses 61%Units 39%
YoY change+0%
Employment · Northern Beaches LGASALM
Unemployment (Dec-25)3.8%
YoY change+1pp
Dec-10Dec-25
Property investors · Postcode 2107ATO
Negatively geared6.5%
684 of filers
Avg rental loss$13,080/yr
Landlords (rental income)2,044
Reported capital gains1,620
People & prosperity
DemographicsCensus 21
Population315
Median age60
Household size2.2
HH income · wk$3,285
Personal income · wk$1,758
Persons / bedroom0.6
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)10/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,600 → $3,285
Change+26.3%
vs NSW median+5.7 pp
Median rent+72.7%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops5
Hospitals · Northern Beaches LGAAIHW
Public3
Private6
Adolescent and Young Adult Hospice Manlypublic
Mona Vale Hospitalpublic
Northern Beaches Hospitalpublic
Arcadia Pittwater Private Hospitalprivate
Dee Why Endoscopy Unitprivate
Delmar Private Hospitalprivate
+3 more in Northern Beaches LGA
Aged care · Northern Beaches LGAGEN
Facilities26
Residential places2,486
Uniting Wesley Gardens Belrose285 places
RSL ANZAC Village221 places
Peter Cosgrove House216 places
Narrabeen Glades Care Community148 places
Arcare Warriewood132 places
Elizabeth Jenkins Place Aged Care Plus Centre126 places
+20 more in Northern Beaches LGA
Childcare · Northern Beaches LGAACECQA
Services177
Approved places13,410
Exceeding NQS40
Harbord OOSH Centre350 places
Manly West Before and After School Care260 places
Curly Kids OOSH225 places
Arabanoo Inc215 places
Little Zak's Academy Brookvale212 places
Killarney Heights OSHC Centre189 places
+171 more in Northern Beaches LGA
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Current status
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Sources & freshness
Strong evidence

Whale Beach carries enough direct local evidence 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 · 2021-Q2 · 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 · 5 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.

Whale Beach FAQ

Common questions
  1. What LGA is Whale Beach in?

    Whale Beach is in the Northern Beaches Local Government Area, NSW, postcode 2107. Council-level context for Northern Beaches LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

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

    The current median house price in Whale Beach, NSW is $9.0M, 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 Whale Beach?

    The median weekly rent in Whale Beach is $1065/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

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

    Rent-pressure candidate: Whale 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 Whale Beach a good investment?

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

  6. Where does QuickProperty get its data for Whale 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 Whale 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.