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Suburb profile ·Greater Hume Shire LGA · NSW ·2644

Woomargama NSW 2644

Woomargama is in Greater Hume Shire LGA, NSW, postcode 2644, with population 173.

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.

$400/wk
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2644 · Jun 2026 · sparse signal
$490
$295
Jun 2025Jun 2026
Why it fits

Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$775K
House median, latest period
135.6%YoY D4 vs AU
Median rent
$400/wk
Rent context available
≈D9 vs AU
Gross yield
2.7%
Low yield band
D8 vs AU
Population
173
173 local footprint
D5 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
680
43 added 12mo · 5MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2013Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+51.0%
5-yr
+15.3%
Indicative cashflow-$463/wk (-$24,080/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-12% 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 Woomargama

Owner-occupied 92%Rented 8%
Investor activityATO
Negatively geared4.1%
61 of 213 landlords
Avg rental loss$5,449/yr
Landlords (rental income)213
Reported capital gains162
The read

Owner-occupier stronghold

87% of homes here are owner-occupied and 7% rented, with 4% of landlords negatively geared.

Why it fits

87% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.7% 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

55%
of household income to service a new loan
12.6 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,797/mo vs median rent $1,733/mo (+119% · +$476/wk)

If rates move

At 4.2%: $3,032/mo (-765) · at 6.2% (current): $3,797/mo · at 8.2%: $4,636/mo (+839)

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

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
9.4x
median home price as a multiple of annual household income
Moderate
Renting
25%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,200/mo, while renters pay about $1,733/mo — renting runs $533/mo higher on these medians.

Median price
$775K
Household income · yr
$82K
Median rent · wk
$400
Owner mortgage · mo
$1,200
Gross yield
2.7%

Household income

$82K household · yr+0% vs NSW suburb median
Personal
$43K
Family
$112K
Household
$82K
Household income distribution (ABS Census 2021 · weekly)26% could service the median house
Under $300
3
$300-649
7
$650-999
5
$1,000-1,499
4
$1,500-1,999
3
$2,000-2,999
11
$3,000-3,999
7
$4,000+
4

Serviceability line: a household needs about $2,921/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 37% of households here would spend more than 30% of income on rent (rent stress line: $1,333/wk income).

Housing stock and tenure

Tenure (68 households)
Owned outright
37%
Owned with mortgage
50%
Rented
7%
Dwelling structure12.7% of dwellings unoccupied on census night
Separate house
90%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 65% drive, 0% public transport, 0% walk or cycle, 18% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
246
2,124 per 100k
D3 vs AU

Crime

Rate · per 100k2,124
Total incidents246· April 2025 - March 2026
  • Assault5950%
  • Sexual Offences3025%
  • Robbery00%
  • Break And Enter2925%

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

High broad-area context

About 62.0% 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

High exposure ~62.0%
~62.0% of the suburb is Bush Fire Prone Land · ~36.7% 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

Dominant zone Primary Production
Rural / Green wedge 77% Public / Open space 21% Other 1%

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

12,697 people · 202215,362 by 2032 (+21.0%)

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

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

Woomargama (postcode 2644) is a quiet locality in New South Wales within the Greater Hume Shire local government area. The area has roughly 173 residents and an established demographic, with a median age of 44. Households earn a median income of $82K per year, with an average household size of 2.5 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 professionals, machinery operators & drivers, managers. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are Australian, English, Scottish.

Median house prices in Woomargama stand at $775,000, having surged by 135.6% over the last twelve months. The current median weekly rent is $400. This gives a gross rental yield of approximately 2.7%. The median monthly mortgage repayment is $1,200.

Public transport access includes 1 rail station, 17 bus stops. The crime rate in the Greater Hume Shire LGA is below average at 2,124 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 2.7%, which reads as low yield. Property prices sit below the state median ($775K/$1.5M), which can point to relative value. The price-to-income ratio of 9.4x is considered moderate. House prices have moved +135.6% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield2.7% Low Yield
Price vs State$775K/$1.5M Below Median
Affordability9.4x· Moderate
Price Momentum+135.6% Rising
InvestmentNSW
Mortgage · mth$1,200
Rent · wk(Census)$250
Market rent · wk(2026-06)$400
Gross yield1.7%
Price / income9.4x
Property investors · Postcode 2644ATO
Negatively geared4.1%
61 of filers
Avg rental loss$5,449/yr
Landlords (rental income)213
Reported capital gains162
People & prosperity
DemographicsCensus 21
Population173
Median age44
Household size2.5
HH income · wk$1,583
Personal income · wk$822
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)5/10
Economic (IER)6/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$939 → $1,583
Change+68.6%
vs NSW median+48 pp
Median rent+150%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Rail stations1
Bus stops17
BP Service Station/Hume Hwy
Hospitals · Greater Hume Shire LGAAIHW
Public3
Private0
Culcairn Multi Purpose Servicepublic
Henty Multi Purpose Servicepublic
Holbrook Hospitalpublic
Aged care · Greater Hume Shire LGAGEN
Facilities6
Residential places124
Culcairn Multi-Purpose Service28 places
Holbrook Multi-Purpose Service22 places
Holbrook Hostel21 places
Jindera Gardens Hostel21 places
Myoora Homestead Hostel20 places
Henty Multi-Purpose Service12 places
Childcare · Greater Hume Shire LGAACECQA
Services13
Approved places429
Exceeding NQS2
Greater Hume Children services Holbrook59 places
Henty Early Childhood Centre41 places
Greater Hume Children Services Culcairn40 places
Jindera Public School TheirCare40 places
Greater Hume Children Services Henty OSHC39 places
Greater Hume Children Services Walla Walla38 places
+7 more in Greater Hume Shire LGA
Shortlist workspace

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Current status
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Sources & freshness
Usable evidence

Woomargama 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 · 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 · 18 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 Woomargama 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 main gaps on this page are school matches, hospital coverage, population trend data, and building approvals. That narrows how much confidence you should place on a single-page read.

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

Use it for context first, then move to compare, the state hub, or a larger nearby suburb before calling it a full 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

Use this page to set direction, not to close a decision — frame the locality here, then confirm with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

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

Bungowannah most similar
similar price band similar rent profile similar suburb scale

pop same · house -$295K · rent -$175/wk

Similar local read: useful for context, but still compare the actual market signals.

Mullengandra most similar
similar price band similar rent profile similar suburb scale

pop -100 · house -$126K · rent -$225/wk

Similar local read: useful for context, but still compare the actual market signals.

Bowna most similar
similar price band similar rent profile similar suburb scale

pop -100 · house -$220K · rent -$125/wk

Similar local read: useful for context, but still compare the actual market signals.

Woomargama FAQ

Common questions
  1. What LGA is Woomargama in?

    Woomargama is in the Greater Hume Shire Local Government Area, NSW, postcode 2644. Council-level context for Greater Hume Shire LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Woomargama?

    The current median house price in Woomargama, NSW is $775K, 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 Woomargama?

    The median weekly rent in Woomargama is $400/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Woomargama?

    Rent context available: Woomargama 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 Woomargama a good investment?

    QuickProperty's investment signals for Woomargama show: Low 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 Woomargama?

    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 Woomargama 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.