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Suburb profile ·Shellharbour LGA · NSW ·2528

Barrack Point NSW 2528

Barrack Point is in Shellharbour LGA, NSW, postcode 2528, with population 725.

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.

$612/wk
Falling
-5.8% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2528 · May 2026
$680
$590
Mar 2025May 2026
Why it fits

Transport coverage adds a practical access signal.

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
$2.0M
House median, latest period
13.7%YoY D9 vs AU
Median rent
$612/wk
Rent context available
5.8%YoY D10 vs AU
Gross yield
1.6%
Low yield band
D4 vs AU
Population
725
725 local footprint
D7 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,114
268 added 12mo · 18MW
Price cycleCorrecting
LowPeak

13.7% below peak · 219.1% above its low

See trend depth →

Price history

Houses to Q2'25 · Units to 2025 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionCorrecting
Low · 2009Peak · 2024

13.7% below peak · 219.1% above its low

Price growth (compound)% per year
3-yr
-1.8%
5-yr
+13.3%
10-yr
+9.1%
Indicative cashflow-$1,413/wk (-$73,472/yr) · interest-only @ 6.2%, 80% LVR
Market turnover7.2% of homes traded/yr (20 sales)
Rent stabilitytypical — rents vary ±4.5% around trend (short window, 15 pts)
Value vs advantage+98% vs suburbs of similar SEIFA advantage (decile 6)

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 · 12/100 · top 88% of 3,605AU suburbs
Peer distributionstronger than 12% of AU suburbs
WeakerTypicalStronger
Capital growth51
Rental yield10
Stability10
Volatility-24.3ppCycle-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 Barrack Point

Owner-occupied 81%Rented 19%
Investor activityATO
Negatively geared4.6%
569 of 1,280 landlords
Avg rental loss$7,304/yr
Landlords (rental income)1,280
Reported capital gains728
Investor exposure index(moderate vs national)66.5/100
The read

Owner-occupier stronghold

79% of homes here are owner-occupied and 19% rented, with 5% of landlords negatively geared.

Why it fits

79% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.6% 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

118%
of household income to service a new loan
27.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $9,413/mo vs median rent $2,652/mo (+255% · +$1560/wk)

If rates move

At 4.0%: $7,495/mo (-1,918) · at 6.0% (current): $9,413/mo · at 8.0%: $11,520/mo (+2,107)

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
20.6x
median home price as a multiple of annual household income
Stretched
Renting
33%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $2,600/mo, while renters pay about $2,652/mo — renting runs $52/mo higher on these medians.

Median price
$1.96M
Household income · yr
$95K
Median rent · wk
$612
Owner mortgage · mo
$2,600
Gross yield
1.6%

Household income

$95K household · yr+16% vs NSW suburb median
Personal
$41K
Family
$131K
Household
$95K
Household income distribution (ABS Census 2021 · weekly)fewer than 20% could service the median house
Under $300
7
$300-649
39
$650-999
33
$1,000-1,499
28
$1,500-1,999
17
$2,000-2,999
46
$3,000-3,999
22
$4,000+
49

Serviceability line: a household needs about $7,241/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 52% of households here would spend more than 30% of income on rent (rent stress line: $2,040/wk income).

Housing stock and tenure

Tenure (269 households)
Owned outright
48%
Owned with mortgage
31%
Rented
19%
Dwelling structure9.2% of dwellings unoccupied on census night
Separate house
65%
Townhouse / semi
10%
Flat / apartment
5%

Getting to work: 68% drive, 0% public transport, 0% walk or cycle, 30% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

7/ 100 livability index

Top 93% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 7% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (7 stops)27
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
2,345
2,875 per 100k
D4 vs AU

Crime

Rate · per 100k2,875
Total incidents2,345· April 2025 - March 2026
  • Assault53354%
  • Sexual Offences22523%
  • Robbery101%
  • Break And Enter21422%

Bushfire exposure

Low exposure ~4.0%
~4.0% 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 Public Recreation
Public / Open space 56% Residential 40%
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

19,815 people · 202224,181 by 2032 (+22.0%)

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

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

Barrack Point (postcode 2528) is a small locality in New South Wales within the Shellharbour local government area. With a population of 725, the suburb has a settled, mature resident base with a median age of 48. Households earn a median income of $95K per year, with an average household size of 2.6 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.9% 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, clerical & administrative. Employment in the area leans toward construction and healthcare. The top ancestries reported are Australian, English, Irish.

Median house prices in Barrack Point stand at $2.0 million, having dropped significantly by 13.7% over the last twelve months. Units have a median price of $1.2 million (+23.5% YoY). The current median weekly rent is $612. This gives a gross rental yield of approximately 1.6%. The median monthly mortgage repayment is $2,600.

Public transport access includes 7 bus stops. The crime rate in the Shellharbour LGA is below average at 2,875 incidents per 100,000 population.

From an investment perspective, Barrack Point shows a gross rental yield of approximately 1.6%, rated as low yield. Property prices are above the state median ($2.0M/$1.5M), placing it in the premium segment. The price-to-income ratio of 20.6x is considered stretched. House prices have moved -13.7% year-on-year. Population growth of +1.9% 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 Yield1.6% Low Yield
Price vs State$2.0M/$1.5M Above Median
Affordability20.6x Stretched
Price Momentum-13.7% Falling
Pop. Growth+1.9%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,600
Rent · wk(Census)$480
Market rent · wk(2026-05)$612
Gross yield1.3%
Price / income20.6x
Sales vol (latest Q)(2025-Q2)5
Population growth · Shellharbour LGAABS ERP
Population (2025)83,228
5-year growth+2.1% CAGR
YoY change+1.9%
20012025
Development · Shellharbour LGAABS Approvals
Approvals (2026)562
Houses 67%Units 33%
YoY change+0%
Employment · Shellharbour LGASALM
Unemployment (Dec-25)6.8%
YoY change-0.2pp
Dec-10Dec-25
Property investors · Postcode 2528ATO
Negatively geared4.6%
569 of filers
Avg rental loss$7,304/yr
Landlords (rental income)1,280
Reported capital gains728
People & prosperity
DemographicsCensus 21
Population725
Median age48
Household size2.6
HH income · wk$1,836
Personal income · wk$783
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)6/10
Economic (IER)8/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,342 → $1,836
Change+36.8%
vs NSW median+16.2 pp
Median rent+41.2%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops7
Hospitals · Shellharbour LGAAIHW
Public1
Private1
Shellharbour Hospitalpublic
Shellharbour Private Hospitalprivate
Aged care · Shellharbour LGAGEN
Facilities5
Residential places571
Warrigal Mount Terry151 places
Warrigal Care Albion Park Rail149 places
Warrigal Care Shell Cove131 places
Uniting Elanora Shellharbour100 places
Warrigal Care Mt Warrigal40 places
Childcare · Shellharbour LGAACECQA
Services60
Approved places3,279
Exceeding NQS20
The Grove Academy - Shell Cove142 places
Little Zak's Academy Shellharbour138 places
Junior Einsteins Nurturing Centre - Shell Heights125 places
MindChamps Early Learning @ Shellharbour120 places
CatholicCare OSHC- St Paul's Albion Park107 places
Little Peoples Early Learning Centre Oak Flats106 places
+54 more in Shellharbour LGA
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Current status
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Sources & freshness
Strong evidence

Barrack Point has 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 · 2025-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 · 2026-05 · 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 · 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.

Barrack Point FAQ

Common questions
  1. What LGA is Barrack Point in?

    Barrack Point is in the Shellharbour Local Government Area, NSW, postcode 2528. Council-level context for Shellharbour LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Barrack Point?

    The current median house price in Barrack Point, NSW is $2.0M, 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 Barrack Point?

    The median weekly rent in Barrack Point is $612/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Barrack Point?

    Rent context available: Barrack Point 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 Barrack Point a good investment?

    QuickProperty's investment signals for Barrack Point 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 Barrack Point?

    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 Barrack Point 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.