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Suburb profile ·Cowra LGA · NSW ·2794

Bumbaldry NSW 2794

Bumbaldry is in Cowra LGA, NSW, postcode 2794, with population 107.

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
Flat
-0.6% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2794 · Jun 2026
$420
$365
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 10.1%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
$205K
House median, latest period
18.0%YoY D1 vs AU
Median rent
$400/wk
Rent-led investor candidate
0.6%YoY D9 vs AU
Gross yield
10.1%
Strong yield band
D10 vs AU
Population
12,721
13K via Cowra LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
2,358
113 added 12mo · 17MW
Price cycleCorrecting
LowPeak

39.7% below peak · 46.4% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2006Peak · 2018

39.7% below peak · 46.4% above its low

Price growth (compound)% per year
3-yr
-9.9%
5-yr
-4.6%
Indicative cashflow$98/wk ($5,104/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitytypical — rents vary ±3.9% around trend (short window, 13 pts)
Value vs advantage-77% 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 Bumbaldry

Owner-occupied 88%Rented 13%
Investor activityATO
Negatively geared3.6%
213 of 606 landlords
Avg rental loss$5,902/yr
Landlords (rental income)606
Reported capital gains384
The read

Owner-occupier stronghold

83% of homes here are owner-occupied and 12% rented, with 4% of landlords negatively geared.

Why it fits

83% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

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

Mortgage affordability

17%
of household income to service a new loan
3.8 yrs
to save a 20% deposit
Comfortable
housing-stress band
Rent vs buyBuying cheaper

New-loan repayment $1,004/mo vs median rent $1,733/mo (-42% · -$168/wk)

If rates move

At 4.2%: $802/mo (-202) · at 6.2% (current): $1,004/mo · at 8.2%: $1,226/mo (+222)

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
2.9x
median home price as a multiple of annual household income
Affordable
Renting
29%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $806/mo, while renters pay about $1,733/mo — renting runs $927/mo higher on these medians.

Median price
$205K
Household income · yr
$72K
Median rent · wk
$400
Owner mortgage · mo
$806
Gross yield
10.1%

Household income

$72K household · yr-13.1% vs NSW suburb median
Personal
$31K
Family
$98K
Household
$72K
Household income distribution (ABS Census 2021 · weekly)71% could service the median house
Under $300
0
$300-649
7
$650-999
8
$1,000-1,499
5
$1,500-1,999
7
$2,000-2,999
3
$3,000-3,999
0
$4,000+
5

Serviceability line: a household needs about $773/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 57% of households here would spend more than 30% of income on rent (rent stress line: $1,333/wk income).

Housing stock and tenure

Tenure (42 households)
Owned outright
45%
Owned with mortgage
38%
Rented
12%
Dwelling structure27.6% of dwellings unoccupied on census night
Separate house
93%
Townhouse / semi
10%
Flat / apartment
0%

Getting to work: 52% drive, 0% public transport, 0% walk or cycle, 38% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
633
4,992 per 100k
D7 vs AU

Crime

Rate · per 100k4,992
Total incidents633· April 2025 - March 2026
  • Assault16154%
  • Sexual Offences4615%
  • Robbery21%
  • Break And Enter8930%

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

Severe broad-area context

About 58.7% 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

Severe exposure ~58.7%
~58.7% of the suburb is Bush Fire Prone Land · ~54.2% 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 93% Public / Open space 8%

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

3,600 people · 20223,782 by 2032 (+5.1%)

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

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

Located in New South Wales within the Cowra local government area, Bumbaldry is a small, quiet locality (postcode 2794). The area has roughly 107 residents and an older-leaning population, with a median age of 52. Households earn a median income of $72K per year, with an average household size of 2.3 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, clerical & administrative, technicians & trades. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are Australian, English, Irish.

Median house prices in Bumbaldry stand at $205,000, having declined steeply by 18% over the last twelve months. The current median weekly rent is $400. This gives a gross rental yield of approximately 10.1%. The median monthly mortgage repayment is $806.

Public transport access includes 7 bus stops. The crime rate in the Cowra LGA is moderate at 4,992 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 10.1%, which reads as high yield. Property prices sit below the state median ($205K/$1.5M), which can point to relative value. The price-to-income ratio of 2.9x is considered affordable. House prices have moved -18.0% 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 Yield10.1% High Yield
Price vs State$205K/$1.5M Below Median
Affordability2.9x Affordable
Price Momentum-18.0% Falling
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$806
Rent · wk(Census)$175
Market rent · wk(2026-06)$400
Gross yield4.4%
Price / income2.9x
Population growth · Cowra LGAABS ERP
Population (2025)12,721
5-year growth+0% CAGR
YoY change+0%
20012025
Development · Cowra LGAABS Approvals
Approvals (2026)33
Houses 91%Units 9%
YoY change+0%
Employment · Cowra LGASALM
Unemployment (Dec-25)4.9%
YoY change+1.3pp
Dec-10Dec-25
Property investors · Postcode 2794ATO
Negatively geared3.6%
213 of filers
Avg rental loss$5,902/yr
Landlords (rental income)606
Reported capital gains384
People & prosperity
DemographicsCensus 21
Population107
Median age52
Household size2.3
HH income · wk$1,375
Personal income · wk$602
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)8/10
Economic (IER)5/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$966 → $1,375
Change+42.3%
vs NSW median+21.7 pp
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops7
Hospitals · Cowra LGAAIHW
Public1
Private0
Cowra Health Servicepublic
Aged care · Cowra LGAGEN
Facilities3
Residential places179
Weeroona Aged Care Residence95 places
Bilyara Hostel84 places
BaptistCare at home-Central WestShort-Term Restorative Care (STRC)
Childcare · Cowra LGAACECQA
Services7
Approved places341
Exceeding NQS0
Goodstart Early Learning Cowra90 places
North Cowra Children's Centre75 places
Carinya Early Childhood Centre59 places
PCYC- Out Of School Hours Cowra45 places
Little Kindy Cowra43 places
Cowra Early Childhood Services OOSH29 places
+1 more in Cowra LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
Add Bumbaldry if it deserves a shortlist slot.

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EMPTY SET

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Open rankings to save the first candidates.

Sources & freshness
Strong evidence

Bumbaldry 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 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 · 2021 · 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 · 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 Bumbaldry 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 main gaps on this page are school matches and hospital coverage. 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

This page is useful for direction-setting, not closure. Use it to frame the locality, then confirm the story with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

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

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

pop same · house +$15K · rent -$180/wk

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

Wyangala most similar
similar price band similar rent profile

pop +100 · house +$65K · rent -$200/wk

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

Darbys Falls most similar
similar price band similar rent profile

pop +100 · house +$67.5K · rent -$180/wk

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

Bumbaldry FAQ

Common questions
  1. What LGA is Bumbaldry in?

    Bumbaldry is in the Cowra Local Government Area, NSW, postcode 2794. Council-level context for Cowra LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Bumbaldry?

    The current median house price in Bumbaldry, NSW is $205K, 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 Bumbaldry?

    The median weekly rent in Bumbaldry is $400/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Bumbaldry?

    Rent-led investor candidate: Gross rent yield screens at about 10.1%. 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 Bumbaldry a good investment?

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

  6. Where does QuickProperty get its data for Bumbaldry?

    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 Bumbaldry 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.