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Suburb profile ·Gilgandra LGA · NSW ·2828

Armatree NSW 2828

Armatree is in Gilgandra LGA, NSW, postcode 2828, with population 164.

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.

Why it fits

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

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
$1.0M
House median, latest period
0.0%YoY D6 vs AU
Median rent
$100/wk
Market rent signal
D1 vs AU
Gross yield
0.5%
Low yield band
D1 vs AU
Population
4,304
4K via Gilgandra LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
241
16 added 12mo · 2MW

Price history

Trend & investor depth

Indicative cashflow-$879/wk (-$45,700/yr) · interest-only @ 6.2%, 80% LVR
Value vs advantage-20% vs suburbs of similar SEIFA advantage (decile 8)

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 Armatree

Owner-occupied 87%Rented 13%
Investor activityATO
Negatively geared3%
12 of 51 landlords
Avg rental loss$4,958/yr
Landlords (rental income)51
Reported capital gains29
The read

Mixed owner-renter market

70% of homes here are owner-occupied and 10% rented, with 3% of landlords negatively geared.

Why it fits

A balanced 70% owner-occupier / 10% renter mix.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

83%
of household income to service a new loan
19.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,796/mo vs median rent $433/mo (+1007% · +$1007/wk)

If rates move

At 4.0%: $3,819/mo (-977) · at 6.0% (current): $4,796/mo · at 8.0%: $5,870/mo (+1,074)

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
14.4x
median home price as a multiple of annual household income
Stretched
Renting
8%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $221/mo, while renters pay about $433/mo — renting runs $212/mo higher on these medians.

Median price
$1.00M
Household income · yr
$69K
Median rent · wk
$100
Owner mortgage · mo
$221
Gross yield
0.5%

Household income

$69K household · yr-15.8% vs NSW suburb median
Personal
$42K
Family
$98K
Household
$69K
Household income distribution (ABS Census 2021 · weekly)0% could service the median house
Under $300
0
$300-649
10
$650-999
0
$1,000-1,499
7
$1,500-1,999
0
$2,000-2,999
13
$3,000-3,999
0
$4,000+
0

Serviceability line: a household needs about $3,690/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 8% of households here would spend more than 30% of income on rent (rent stress line: $333/wk income).

Housing stock and tenure

Tenure (59 households)
Owned outright
54%
Owned with mortgage
15%
Rented
10%
Dwelling structure23.3% of dwellings unoccupied on census night
Separate house
88%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 57% drive, 0% public transport, 5% walk or cycle, 29% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
253
5,877 per 100k
D7 vs AU

Crime

Rate · per 100k5,877
Total incidents253· April 2025 - March 2026
  • Assault7960%
  • Sexual Offences2418%
  • Robbery00%
  • Break And Enter2821%

Bushfire exposure

Low exposure ~2.6%
~2.6% of the suburb is Bush Fire Prone Land · ~1.9% 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 99% 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

4,410 people · 20224,458 by 2032 (+1.1%)

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

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

Armatree (postcode 2828) is a sparsely populated locality in New South Wales within the Gilgandra local government area. The area has roughly 164 residents and an established family demographic, with a median age of 43. Households earn a median income of $69K 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 +0.0% 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 managers, professionals, labourers. Employment in the area leans toward agriculture and education. The top ancestries reported are Australian, English, Scottish.

Armatree has a median house price of $1.0 million, holding roughly steady year-on-year. The median weekly rent is $100 (Census 2021). This gives a gross rental yield of approximately 0.5%. The median monthly mortgage repayment is $221.

Public transport access includes 7 bus stops. The crime rate in the Gilgandra LGA is moderate at 5,877 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 0.5%, which reads as low yield. Property prices sit below the state median ($1.0M/$1.5M), which can point to relative value. The price-to-income ratio of 14.4x is considered stretched. House prices have moved +0.0% year-on-year. Population growth of +0.0% 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 Yield0.5% Low Yield
Price vs State$1.0M/$1.5M Below Median
Affordability14.4x Stretched
Price Momentum+0.0%· Stable
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$221
Rent · wk(Census)$100
Gross yield0.5%
Price / income14.4x
Population growth · Gilgandra LGAABS ERP
Population (2025)4,304
5-year growth-0.1% CAGR
YoY change+0%
20012025
Development · Gilgandra LGAABS Approvals
Approvals (2026)10
Houses 20%Units 80%
YoY change+0%
Employment · Gilgandra LGASALM
Unemployment (Dec-25)2.6%
YoY change-0.9pp
Dec-10Dec-25
Property investors · Postcode 2828ATO
Negatively geared3%
12 of filers
Avg rental loss$4,958/yr
Landlords (rental income)51
Reported capital gains29
People & prosperity
DemographicsCensus 21
Population164
Median age43
Household size2.5
HH income · wk$1,333
Personal income · wk$807
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)9/10
Economic (IER)6/10
Disadvantage (IRSD)8/10
Income momentumCensus 16→21
HH income · wk$1,228 → $1,333
Change+8.6%
vs NSW median-12 pp
Median rent+0%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops7
Hospitals · Gilgandra LGAAIHW
Public1
Private0
Gilgandra Multi Purpose Servicepublic
Aged care · Gilgandra LGAGEN
Facilities3
Residential places77
Cooee Lodge50 places
Gilgandra Multi-Purpose Service19 places
Jack Towney Hostel8 places
Childcare · Gilgandra LGAACECQA
Services3
Approved places148
Exceeding NQS1
Gilgandra Preschool80 places
Aussie Kindies Early Learning Gilgandra49 places
Tooraweenah Preschool19 places
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Armatree 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 falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

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 · 2019 · 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 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
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 · 7 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.
Sparse locality note

This page stays indexable because Armatree 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 and hospital coverage.

The lighter areas here are school matches and hospital coverage, 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

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

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

pop same · house -$410K · rent +$50/wk

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

Biddon most similar
similar rent profile similar suburb scale

pop same · rent +$8/wk

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

Tooraweenah most similar
similar rent profile similar suburb scale

pop +100 · house -$905K · rent +$48/wk

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

Armatree FAQ

Common questions
  1. What LGA is Armatree in?

    Armatree is in the Gilgandra Local Government Area, NSW, postcode 2828. Council-level context for Gilgandra LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Armatree?

    The current median house price in Armatree, NSW is $1.0M, 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 Armatree?

    The median weekly rent in Armatree is $100/wk, based on ABS Census 2021 rent fallback.

  4. Is Armatree a good investment?

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

  5. Where does QuickProperty get its data for Armatree?

    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.

  6. How often is the Armatree 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.