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Suburb profile ·Shoalhaven LGA · NSW ·2540

Callala Bay NSW 2540

Callala Bay is in Shoalhaven LGA, NSW, postcode 2540, with population 2,234.

The read

Growth-momentum

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.

$580/wk
+5.5% YoY
Mar 2025 → Apr 2026 · 14 periods
NSW Fair Trading · postcode 2540 · Apr 2026
$600
$535
Mar 2025Apr 2026
Why it fits

Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

What to check

Gross yield looks low for an income-first use case.

Median house
$1.0M
House median, latest period
12.1%YoY D7 vs AU
Median rent
$580/wk
Income-stretched rent market
5.5%YoY D10 vs AU
Gross yield
2.9%
Low yield band
D9 vs AU
Population
2,234
2K local footprint
D9 vs AU
Schools
1
Matched school context
D1 vs AU
Solar
11,236
718 added 12mo · 71MW

Price history

HousesUnits

Houses to Q4'25 · Units to 2025 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2025

At / near its all-time high

Price growth (compound)3-yr +1.6%/yr · 5-yr +7.5%/yr · 10-yr +8.8%/yr
Affordability trajectoryprice +10.7%/yr vs income +5.3%/yr — worsening — prices outgrowing incomes
Indicative cashflow-$528/wk (-$27,449/yr) · interest-only @ 6.1%, 80% LVR

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection.

Affordability

Buying
15.3x
median home price as a multiple of annual household income
Stretched
Renting
45%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,697/mo, while renters pay about $2,513/mo — renting runs $816/mo higher on these medians.

Median price
$1.03M
Household income · yr
$67K
Median rent · wk
$580
Owner mortgage · mo
$1,697
Gross yield
2.9%

Household income

$67K household · yr-18.6% vs NSW suburb median
Personal
$34K
Family
$78K
Household
$67K

Schools

Total1
Avg ICSEA971
Students151
Government1
  • Callala Public SchoolPrimary · Government · ICSEA 971
Crime January 2025 - December 2025
3,999
3,639 per 100k
D5 vs AU

Crime

Rate · per 100k3,639
Total incidents3,999· January 2025 - December 2025
  • Assault1,09460%
  • Sexual Offences38321%
  • Robbery131%
  • Break And Enter33718%

Full data detail

Callala Bay NSW — Property Data and Demographics

Callala Bay (postcode 2540) is a smaller suburb in New South Wales within the Shoalhaven local government area. The area has roughly 2,234 residents and an older-leaning population, with a median age of 51. Households earn a median income of $67K per year, with an average household size of 2.4 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.7% year-on-year at the LGA level. NSW employment has moved +0.3% year-on-year in the official Jobs and Skills Australia NERO series, which provides the broader jobs backdrop for this suburb. NSW also had 37 Commonwealth-backed major projects under construction, 5 underway, and 75 in planning as at 2 October 2024, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are professionals, technicians & trades, community & personal service. Employment in the area leans toward healthcare and public admin & safety. The top ancestries reported are English, Australian, Scottish.

The median house price in Callala Bay is $1.0 million, having surged by 12.1% over the past year. Units have a median price of $775,000 (+13.3% YoY). The current median weekly rent is $580. This gives a gross rental yield of approximately 2.9%. The median monthly mortgage repayment is $1,697.

Callala Bay is served by 1 school, including 1 primary. The average ICSEA score is 971, which is around the national average of 1,000. Public transport access includes 9 bus stops. The crime rate in the Shoalhaven LGA is below average at 3,639 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 2.9% (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 15.3x is considered stretched. House prices have moved +12.1% year-on-year. Population growth of +0.7% 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
Affordability15.3x Stretched
Price Momentum+12.1% Rising
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,697
Rent · wk(Census)$390
Market rent · wk(2026-04)$580
Gross yield2.0%
Price / income15.3x
Sales vol (latest Q)(2025-Q4)10
Population growth · Shoalhaven LGAABS ERP
Population (2025)111,755
5-year growth+0.8% CAGR
YoY change+0.7%
20012025
Development · Shoalhaven LGAABS Approvals
Approvals (2026)661
Houses363
Units298
YoY change+0%
Employment · Shoalhaven LGASALM
Unemployment (Dec-25)3.7%
YoY change+1.7pp
Dec-10Dec-25
Property investors · Postcode 2540ATO
Negatively geared1,390 (5.5% of filers)
Avg rental loss$6,925/yr
Landlords (rental income)3,847
Reported capital gains2,211
People & prosperity
DemographicsCensus 21
Population2,234
Median age51
Household size2.4
HH income · wk$1,289
Personal income · wk$645
Persons / bedroom0.7
IncomeATO 22-23
Median income$47,884
Mean income$64,073
Earners2,172
YoY change+4.1%
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)4/10
Economic (IER)5/10
Disadvantage (IRSD)4/10
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining0
iga1
TransportGTFS
Bus stops9
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Current status
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Sources & freshness
Strong evidence

Callala Bay 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-Q4 · 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 · 2026-04 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · January 2025 - December 2025 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 9 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.

Callala Bay FAQ

Common questions
  1. What LGA is Callala Bay in?

    Callala Bay is in the Shoalhaven Local Government Area, NSW, postcode 2540. Council-level context for Shoalhaven LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Callala Bay?

    The current median house price in Callala Bay, 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 Callala Bay?

    The median weekly rent in Callala Bay is $580/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Callala Bay?

    Income-stretched rent market: Weekly rent screens at about 63% of annual income. 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 Callala Bay a good investment?

    QuickProperty's investment signals for Callala Bay 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 Callala Bay?

    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 Callala Bay 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.