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Suburb profile · Wellington · NZ

Silverstream (Upper Hutt City) NZ

Silverstream (Upper Hutt City) is in Wellington, New Zealand, with population 3,516.

Limited data

Thin-context

This page still helps with local context, but the evidence stack is too thin for a clean suburb-level call. Use nearby alternatives or compare mode before turning it into a shortlist decision.

Why it fits

Transport coverage adds a practical access signal.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting.

Median rent
Census rent fallback
Population
3,516
4K local footprint
D9 vs NZ
Income
$57K/yr
Median personal income
D10 vs NZ
NZDep
No deprivation index
Schools
No matched schools

Area prices & affordability

Median sale price
$705K
+1.4% over 5yr
2.9%YoY
Lower quartile
$611K
Entry-level price
House Price Index
3,724
QV-based HPI
13.1%5yr
Income to buy
6.4x
Years of median income
Annual sales
813
Transactions, TA

Mortgage serviceability

at the 5.69% 2-year fixed rate
Monthly repayment
$3,270/mo
20% deposit, 30-year P&I
Repayment burden
36%
of gross household income
Stress level
Stretched
<30% comfortable · >45% severe
Years to deposit
8.5 yrs
20% deposit at 15% savings

Monthly repayment by fixed term

Floating · 6.15%
$3,436
1-year fixed · 5.26%
$3,118
2-year fixed · 5.69%
$3,270
3-year fixed · 5.86%
$3,331

A territorial-authority estimate: the Upper Hutt City median sale price on a 20% deposit and 30-year loan, against the TA median household income implied by HUD's income-to-buy ratio, at RBNZ new-mortgage rates. A market-wide guide, not a Silverstream (Upper Hutt City)-specific or borrower-specific figure.

Price trend

1yr -2.6%5yr -19.2%
QV House Price Index (Jan 2007 = 1000)

QV House Price Index for the Upper Hutt City territorial authority (monthly, Jan 2007 = 1000). A valuation-based index of price movement over time — distinct from the actual median sale price above.

Years of median household income to buy

Figures are for the Upper Hutt City territorial authority (as at 2026-03). New Zealand has no free suburb-level sale-price series, so these are TA-wide medians from HUD Local Housing Statistics (LINZ District Valuation Roll + Stats NZ) — a market backdrop for Silverstream (Upper Hutt City), not a Silverstream (Upper Hutt City)-specific sale price.

Personal income

$57K personal · yr+16.2% vs Wellington suburb median
Personal income distribution (Census 2023 · annual)
$10,000 or less
330
$10,001-$20,000
261
$20,001-$30,000
342
$30,001-$50,000
342
$50,001-$70,000
429
$70,001-$100,000
441
$100,001 or more
693

Median individual income. NZ has no suburb-level household-income or sale-price data, so this is a personal-income benchmark, not a household-affordability measure. Distribution covers people aged 15+ with stated income; counts are randomly rounded to base 3.

Housing stock and tenure

Home ownership over three censuses+2.4pp since 2013
2013
81% owned
2018
83% owned
2023
84% owned

5.6% of private dwellings were unoccupied on 2023 census night (holiday homes, empty rentals, and vacant stock).

Dwelling condition (occupied dwellings, self-reported)

14% damp (-2pp vs 2018) and 10% with visible mould larger than A4 (-2pp vs 2018).

Investor-specific data (gearing, investor concentration) is not published for NZ suburbs — the tenure trend above is the available investor signal.

Population outlook

47,100 people · 202349,900 by 2033 (+5.9%)

Stats NZ subnational projection (2023 base, medium series) for Upper Hutt City — the finest official projection grain available; suburb-level projections do not exist.

Crime

Rate · per 100k5,008
Total incidents2,291· 2026-05
  • Assault31742%
  • Burglary38050%
  • Robbery294%
  • Sexual Assault365%

Natural hazards

Earthquake exposure
High
Proximity to active faults
Nearest active fault
1.1 km
Wellington Fault
Fault slip rate
High
Higher = more active

Earthquake exposure is the distance from Silverstream (Upper Hutt City)'s centre to the nearest mapped active fault (GNS Science NZ Active Faults Database) — an area estimate, not a site-specific seismic assessment. NZ's full ground-shaking model (NSHM) is not available as a queryable map layer.

Short-term rentals

13
active listings · ~3.7 per 1,000 residents
85%
entire homes (vs private rooms)
0%
run by multi-listing operators
Investment view Estimated
$158
median nightly (entire home)
41%
estimated occupancy
$21,931
estimated annual revenue (gross)

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.

Livability

69/ 100 livability index

Top 31% most liveable of 1,902New Zealand suburbs.

Peer distributionstronger than 69% of New Zealand districts
WeakerTypicalStronger
Everyday access77
Public transport (21 stops)92
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 New Zealand suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Investment grade

Cgrade · 41/100 · top 59% of 65New Zealand districts
Peer distributionstronger than 41% of New Zealand districts
WeakerTypicalStronger
Capital growth6
Rental yield50
Stability88

Bar = this suburb's percentile · tick = typical (median) peer

District-level grade across New Zealand territorial authorities, combining 5-year price growth, rental yield (district median rent vs district median price), and stability (price-to-income level + affordability trajectory) via the same three-pillar method with an imbalance penalty. New Zealand has no free suburb-level prices, so this reflects your area's territorial authority. Within-New-Zealand relative, indicative only — not financial advice.

Building activity

Latest consents
58
24 houses · 34 units
4.9%YoY D10 vs NZ

Employment

Full data detail

Silverstream (Upper Hutt City) Wellington — Property Data and Demographics

Silverstream (Upper Hutt City) is a small suburb in Wellington with a population of 3,516 and a median age of 42. Median personal income is $57K per year. The main ethnic groups are European, Māori, Asian. Wellington population estimates moved +0.0% in the year ended June 2025, after moving +1.0% in 2024, which should be read as a broader regional movement backdrop rather than suburb-level migration precision. Te Waihanga's December 2025 Pipeline snapshot tracked over 12,000 NZ infrastructure initiatives, with more than 2,700 under construction and transport taking 52% of projected 2026 pipeline spend, which should be read as a broader national delivery backdrop rather than a suburb-specific project list.

Livability indicators for Silverstream (Upper Hutt City): 21 transport stops (20 bus, 1 rail).

In 2026, Silverstream (Upper Hutt City) recorded 58 building approvals (24 houses, 34 units), down 4.9% year-on-year.

Market & money
Livability signalsHeuristics
Transport Access21 stops Well Connected
Development-5%· Steady
DevelopmentStats NZ
Consents (2026)58
Houses 41%Units 59%
YoY change-4.9%
People & prosperity
DemographicsCensus 23
Population3,516
Median age42
Household size
HH income · yr
Personal income · yr$56,600
EthnicityCensus 23
European3,054
Māori384
Asian327
Pacific Peoples120
MELAA39
Top industriesCensus 23
Public Administration and Safety435
Professional, Scientific and Technical267
Education and Training168
Construction162
Health Care and Social Assistance138
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies0
GP / clinics1
Fuel stations0
Cafes & dining3
new world1
TransportGTFS
Rail stations1
Bus stops20
Silverstream Stationrail
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Current status
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Sources & freshness
Thin evidence

Silverstream (Upper Hutt City) is a thin local read, not a complete suburb verdict.

NZ suburb pages combine Stats NZ, MBIE, MoE, GTFS, and pinned service coverage. The key difference is that some items are direct feeds, while others are fallback or snapshot layers.

RENT POSTURE
Rent is using MBIE bond data when present.

Treat current rent as a decision input, not as a guaranteed market quote.

HOSPITAL POSTURE
Hospital coverage comes from an official pinned snapshot.

This is a trusted coverage layer, but it is still a pinned snapshot rather than a live facility API.

TRANSPORT POSTURE
Transport is feed-based and depends on GTFS bundle coverage.

It is good for stop presence and local network context, but not a guarantee that every operator or schedule is equally current.

Data status
Weekly rent
Stats NZ Census 2023 · No linked local rent source
stable source · manual file · snapshot · census-cycle
Missing
Schools
MoE school directory · No linked local school matches
stable source · automated · every update · nightly
Missing
Hospitals
Pinned Health NZ public hospital snapshot · No linked local hospital coverage
medium stability · mixed acquisition · snapshot · mixed
Missing
Transport
NZ GTFS bundle · 21 matched stops
medium stability · mixed acquisition · snapshot · mixed
Available
Building consents
Stats NZ building consents CSV · 2026 · Annual release series
Available
Demographic baseline
Stats NZ Census 2023 · Population, income, and demographic baseline
stable source · manual file · snapshot · census-cycle
Available
Available means a direct local source is linked. Verify means the page is using a weaker fallback or coverage-only snapshot, especially Census rent fallback or pinned hospital coverage.
Sparse locality note

This page stays indexable because Silverstream (Upper Hutt City) still carries enough real local context to help with NZ suburb discovery. It should still be read as a lighter locality brief, not as a fully covered suburb profile.

WHY IT LOOKS LIGHTER
The page is missing a direct local rent signal.

That leaves the page relying more on Census and service context than on a stronger market read.

WHAT IS MISSING
Coverage is lighter across school matches, hospital coverage, and deprivation index.

The main gaps on this page are school matches, hospital coverage, and deprivation index. That means you should avoid treating one sparse reading as the whole suburb story.

BEST NEXT STEP
Use this page to frame the locality, then compare or zoom back out.

Use the region hub, compare, or nearby better-covered suburbs first, before treating this as a complete market read.

Page status
INDEXED WITH LIGHTER COVERAGE

The page still has enough real suburb context to remain searchable, but some market and service layers are too light for a full-confidence read.

HOW TO READ THIS PAGE

Let this page frame the locality, then check the story against compare, the region hub, or a nearby better-covered suburb before treating it as final.

Stronger nearby reads

If Silverstream (Upper Hutt City) feels too thin on its own, use these nearby suburbs as stronger local reads before treating it as a full shortlist call.

Maoribank better covered
similar suburb scale similar income profile better local coverage

pop -100 · adds rent coverage · income -$6K

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

Birchville-Brown Owl better covered
similar suburb scale similar income profile better local coverage

pop +200 · adds rent coverage · income -$5K

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

Trentham South better covered
similar suburb scale similar income profile better local coverage

pop -400 · adds rent coverage · income -$11K

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

Silverstream (Upper Hutt City) FAQ

Common questions
  1. What is the livability profile for Silverstream (Upper Hutt City)?

    QuickProperty's livability signals for Silverstream (Upper Hutt City) show: Well Connected, Steady. These are based on rent affordability, school EQI, NZDep deprivation index, and transport access.

  2. Where does QuickProperty get its data for Silverstream (Upper Hutt City)?

    Housing data comes from the Reserve Bank of New Zealand (RBNZ). Demographics are from Stats NZ Census 2023. Schools data uses the Ministry of Education Equity Index (EQI). The deprivation score uses NZDep2018. Transport data is sourced from GTFS feeds.

  3. How often is the Silverstream (Upper Hutt City) data updated?

    RBNZ macro data updates with each deploy. Demographics are from NZ Census 2023. School EQI scores are from the Ministry of Education latest release.