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Suburb profile ·Eurobodalla LGA · NSW ·2537

Bergalia NSW 2537

Bergalia is in Eurobodalla LGA, NSW, postcode 2537, with population 180.

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.

$565/wk
Rising
+3.7% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2537 · May 2026
$580
$505
Mar 2025May 2026
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
30.0%YoY D6 vs AU
Median rent
$565/wk
Rent context available
3.7%YoY D10 vs AU
Gross yield
2.9%
Low yield band
D9 vs AU
Population
41,309
41K via Eurobodalla LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,464
205 added 12mo · 21MW
Price cycleCorrecting
LowPeak

30.0% below peak · 204.2% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2014Peak · 2022

30.0% below peak · 204.2% above its low

Price growth (compound)% per year
3-yr
+5.4%
5-yr
+9.1%
Indicative cashflow-$534/wk (-$27,763/yr) · interest-only @ 6.2%, 80% LVR
Rent stabilitytypical — rents vary ±4.0% around trend (short window, 15 pts)
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 Bergalia

Owner-occupied 100%Rented 0%
Investor activityATO
Negatively geared5.4%
402 of 1,160 landlords
Avg rental loss$5,773/yr
Landlords (rental income)1,160
Reported capital gains678
The read

Owner-occupier stronghold

100% of homes here are owner-occupied and 0% rented, with 5% of landlords negatively geared.

Why it fits

100% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.9% 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

72%
of household income to service a new loan
16.7 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,816/mo vs median rent $2,448/mo (+97% · +$546/wk)

If rates move

At 4.0%: $3,835/mo (-981) · at 6.0% (current): $4,816/mo · at 8.0%: $5,894/mo (+1,078)

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
12.5x
median home price as a multiple of annual household income
Stretched
Renting
37%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,733/mo, while renters pay about $2,448/mo — renting runs $715/mo higher on these medians.

Median price
$1.00M
Household income · yr
$80K
Median rent · wk
$565
Owner mortgage · mo
$1,733
Gross yield
2.9%

Household income

$80K household · yr-2.7% vs NSW suburb median
Personal
$38K
Family
$93K
Household
$80K
Household income distribution (ABS Census 2021 · weekly)12% could service the median house
Under $300
0
$300-649
7
$650-999
0
$1,000-1,499
20
$1,500-1,999
6
$2,000-2,999
20
$3,000-3,999
0
$4,000+
7

Serviceability line: a household needs about $3,704/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 53% of households here would spend more than 30% of income on rent (rent stress line: $1,883/wk income).

Housing stock and tenure

Tenure (62 households)
Owned outright
58%
Owned with mortgage
42%
Rented
0%
Dwelling structure14.7% of dwellings unoccupied on census night
Separate house
103%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 80% drive, 0% public transport, 4% walk or cycle, 13% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
1,326
3,223 per 100k
D5 vs AU

Crime

Rate · per 100k3,223
Total incidents1,326· April 2025 - March 2026
  • Assault38961%
  • Sexual Offences10416%
  • Robbery41%
  • Break And Enter14022%

Bushfire exposure

Severe exposure ~100.0%
~100.0% of the suburb is Bush Fire Prone Land · ~34.5% 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 95% Residential 5% Public / Open space 1%
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

8,588 people · 20229,086 by 2032 (+5.8%)

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

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

Located in New South Wales within the Eurobodalla local government area, Bergalia is a sparsely populated locality (postcode 2537). It is home to about 180 residents, with an older-leaning population and a median age of 51. Households earn a median income of $80K per year, with an average household size of 2.7 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 technicians & trades, managers, community & personal service. Employment in the area leans toward construction and retail trade. The top ancestries reported are English, Australian, Irish.

Bergalia has a median house price of $1.0 million, which has declined steeply by 30% year-on-year. The current median weekly rent is $565. This gives a gross rental yield of approximately 2.9%. The median monthly mortgage repayment is $1,733.

Public transport access includes 11 bus stops. The crime rate in the Eurobodalla LGA is below average at 3,223 incidents per 100,000 population.

From an investment perspective, Bergalia shows a gross rental yield of approximately 2.9%, rated 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 12.5x is considered stretched. House prices have moved -30.0% 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 Yield2.9% Low Yield
Price vs State$1.0M/$1.5M Below Median
Affordability12.5x Stretched
Price Momentum-30.0% Falling
Pop. Growth+0.5%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,733
Rent · wk(Census)$600
Market rent · wk(2026-05)$565
Gross yield3.1%
Price / income12.5x
Population growth · Eurobodalla LGAABS ERP
Population (2025)41,309
5-year growth+0.7% CAGR
YoY change+0.5%
20012025
Development · Eurobodalla LGAABS Approvals
Approvals (2026)179
Houses 72%Units 28%
YoY change+0%
Employment · Eurobodalla LGASALM
Unemployment (Dec-25)4.2%
YoY change-0.7pp
Dec-10Dec-25
Property investors · Postcode 2537ATO
Negatively geared5.4%
402 of filers
Avg rental loss$5,773/yr
Landlords (rental income)1,160
Reported capital gains678
People & prosperity
DemographicsCensus 21
Population180
Median age51
Household size2.7
HH income · wk$1,541
Personal income · wk$725
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)5/10
Economic (IER)8/10
Disadvantage (IRSD)6/10
Income momentumCensus 16→21
HH income · wk$1,395 → $1,541
Change+10.5%
vs NSW median-10.1 pp
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops11
Hospitals · Eurobodalla LGAAIHW
Public2
Private1
Batemans Bay Hospitalpublic
Moruya Hospitalpublic
Mogo Day Surgeryprivate
Aged care · Eurobodalla LGAGEN
Facilities8
Residential places673
Denhams Beach Care Community130 places
Estia Health Dalmeny115 places
Catholic Healthcare Maranatha Lodge95 places
The Glen Residential Care Service92 places
IRT Dalmeny90 places
Banksia Lodge80 places
+2 more in Eurobodalla LGA
Childcare · Eurobodalla LGAACECQA
Services23
Approved places985
Exceeding NQS3
Sunshine Bay Early Learning Centre100 places
Broulee Early Learning Centre Pty Ltd98 places
Northside Early Learning Centre69 places
Batehaven Early Learning Service59 places
Batemans Bay Out of School Hours Care50 places
Little Gumnuts Moruya50 places
+17 more in Eurobodalla LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Bergalia 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 · 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 · 11 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 Bergalia 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.

Begin here, but pressure-test the read in compare, against the state hub, or a bigger nearby suburb before deciding.

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

Read it as a direction-setter rather than a final answer: frame the locality, then verify with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

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

Mystery Bay most similar
similar price band similar rent profile similar suburb scale

pop same · house +$86K · rent -$205/wk

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

Potato Point most similar
similar price band similar rent profile similar suburb scale

pop same · house +$76K · rent -$225/wk

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

Jeremadra most similar
similar price band similar suburb scale

pop same · house +$196K · rent -$240/wk

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

Bergalia FAQ

Common questions
  1. What LGA is Bergalia in?

    Bergalia is in the Eurobodalla Local Government Area, NSW, postcode 2537. Council-level context for Eurobodalla LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Bergalia?

    The current median house price in Bergalia, 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 Bergalia?

    The median weekly rent in Bergalia is $565/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Bergalia?

    Rent context available: Bergalia 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 Bergalia a good investment?

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

  6. Where does QuickProperty get its data for Bergalia?

    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 Bergalia 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.