Cams Wharf NSW

Postcode 2281 · Lake Macquarie LGA

Cams Wharf is a quiet locality in New South Wales within the Lake Macquarie local government area (postcode 2281). With a population of 182, the suburb has an older demographic with a median age of 56. Households earn a median income of $72K per year, with an average household size of 2.1 people. The most common occupations are technicians & trades, managers, professionals. The top ancestries reported are English, Australian, Irish.

The median house price in Cams Wharf is $738,000, having surged 13.5% over the past year. The current median weekly rent is $675. This gives a gross rental yield of approximately 4.8%. The median monthly mortgage repayment is $1,400.

Public transport access includes 2 ferry wharfves. The crime rate in the Lake Macquarie LGA is below average at 3,396 incidents per 100,000 population.

From an investment perspective, Cams Wharf offers a gross rental yield of 4.8%, rated as moderate yield. Property prices sit below the state median ($738K/$1.5M), suggesting a potential value opportunity. The price-to-income ratio of 10.2x is considered stretched. House prices have moved +13.5% year-on-year.

INVESTMENT SIGNALS
Rental Yield4.8% Moderate Yield
Price vs State$738K/$1.5M Below Median
Affordability10.2x Stretched
Price Momentum+13.5% Rising
SEIFA INDEX (ABS)
Advantage3/10
Education8/10
Economic4/10
Disadvantage4/10
MEDIAN HOUSE
$738K
13.5% YoY
MEDIAN RENT /WK
$430
POPULATION
182
DEMOGRAPHICS
Median Age56
Household Size2.1
HH Income /wk$1,385
Personal Income /wk$774
Mortgage /mth$1,400
CRIME (Lake Macquarie LGA)
Crime Rate (per 100k)3,396
Total Incidents7,534
TRANSPORT
Ferry Wharves2
Cams Wharf Rd After Raffertys Rd
Cams Wharf Rd Opp Crangan Bay Dr
Data: 2025