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Suburb profile ·Queanbeyan-Palerang Regional LGA · NSW ·2623

Captains Flat NSW 2623

Captains Flat is in Queanbeyan-Palerang Regional LGA, NSW, postcode 2623, with population 611.

The read

Verify-first

Price, rent, or affordability signals are lining up without a clear local red flag, and the broader demand backdrop is at least supportive. Treat this as a suburb worth comparing seriously, then stress-test it in the calculator before making a conviction call.

$500K
+11.1% YoY
2005 → 2025 · 21 periods
ABS + state medians
$500K
$162K
2005 2025
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

What to check

Evidence depth is verify-heavy, so the profile should be treated as provisional. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$500K
House median, latest period
11.1%YoY D2 vs AU
Median rent
$300/wk
Market rent signal
D6 vs AU
Gross yield
3.1%
Low yield band
D9 vs AU
Population
611
611 local footprint
D7 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
104
1 added 12mo · 1MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2005Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+9.6%
5-yr
+11.5%
10-yr
+8.6%
Indicative cashflow-$267/wk (-$13,900/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.0% of homes traded/yr (23 sales · -12% vs 3-yr avg)
Value vs advantage-36% vs suburbs of similar SEIFA advantage (decile 4)

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 Captains Flat

Owner-occupied 83%Rented 17%
Investor activityATO
Negatively geared4.1%
15 of 34 landlords
Avg rental loss$2,656/yr
Landlords (rental income)34
Reported capital gains18
Investor exposure index(moderate vs national)63.9/100
The read

Owner-occupier stronghold

79% of homes here are owner-occupied and 17% rented, with 4% 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 3.1% 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

34%
of household income to service a new loan
7.8 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,450/mo vs median rent $1,300/mo (+88% · +$265/wk)

If rates move

At 4.2%: $1,956/mo (-494) · at 6.2% (current): $2,450/mo · at 8.2%: $2,991/mo (+541)

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
5.8x
median home price as a multiple of annual household income
Affordable
Renting
18%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,309/mo, while renters pay about $1,300/mo — owning runs $9/mo higher on these medians.

Median price
$500K
Household income · yr
$85K
Median rent · wk
$300
Owner mortgage · mo
$1,309
Gross yield
3.1%

Household income

$85K household · yr+3.9% vs NSW suburb median
Personal
$53K
Family
$115K
Household
$85K
Household income distribution (ABS Census 2021 · weekly)43% could service the median house
Under $300
14
$300-649
31
$650-999
21
$1,000-1,499
41
$1,500-1,999
30
$2,000-2,999
53
$3,000-3,999
20
$4,000+
20

Serviceability line: a household needs about $1,885/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 29% of households here would spend more than 30% of income on rent (rent stress line: $1,000/wk income).

Housing stock and tenure

Tenure (242 households)
Owned outright
33%
Owned with mortgage
47%
Rented
17%
Dwelling structure14.2% of dwellings unoccupied on census night
Separate house
99%
Townhouse / semi
1%
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).

Schools

Total1
Avg ICSEA903
Students26
Government1
  • Captains Flat Public SchoolPrimary · Government · ICSEA 903

Livability

33/ 100 livability index

Top 67% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 33% of Australian suburbs
WeakerTypicalStronger
Everyday access27
Public transport (13 stops)40
Schools & hospitals25

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
1,617
2,419 per 100k
D4 vs AU

Crime

Rate · per 100k2,419
Total incidents1,617· April 2025 - March 2026
  • Assault39661%
  • Sexual Offences11918%
  • Robbery30%
  • Break And Enter13320%

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 100.0% 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 ~100.0%
~100.0% of the suburb is Bush Fire Prone Land · ~90.1% 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 69% Public / Open space 31%

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

16,864 people · 202219,788 by 2032 (+17.3%)

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

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

Captains Flat (postcode 2623) is a small community in New South Wales within the Queanbeyan-Palerang Regional local government area. It is home to about 611 residents, with an established family demographic and a median age of 40. Households earn a median income of $85K per year, with an average household size of 2.4 people. 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, professionals, clerical & administrative. Employment in the area leans toward public admin & safety and construction. The top ancestries reported are Australian, English, Irish.

The median house price in Captains Flat is $500,000, having risen steeply by 11.1% over the past year. The median weekly rent is $300 (Census 2021). This gives a gross rental yield of approximately 3.1%. The median monthly mortgage repayment is $1,309.

Captains Flat is served by 1 school, including 1 primary. The average ICSEA score is 903, which is below the national average of 1,000. Public transport access includes 13 bus stops. The crime rate in the Queanbeyan-Palerang Regional LGA is below average at 2,419 incidents per 100,000 population.

Looking at the investment signals, Captains Flat shows a gross rental yield of approximately 3.1%, rated as moderate yield. Property prices sit below the state median ($500K/$1.5M), which can point to relative value. The price-to-income ratio of 5.8x is considered affordable. House prices have moved +11.1% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield3.1%· Moderate Yield
Price vs State$500K/$1.5M Below Median
Affordability5.8x Affordable
Price Momentum+11.1% Rising
InvestmentNSW
Mortgage · mth$1,309
Rent · wk(Census)$300
Gross yield3.1%
Price / income5.8x
Sales vol (latest Q)(2025-Q3)5
Property investors · Postcode 2623ATO
Negatively geared4.1%
15 of filers
Avg rental loss$2,656/yr
Landlords (rental income)34
Reported capital gains18
People & prosperity
DemographicsCensus 21
Population611
Median age40
Household size2.4
HH income · wk$1,644
Personal income · wk$1,011
Persons / bedroom0.9
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)4/10
Economic (IER)4/10
Disadvantage (IRSD)4/10
Income momentumCensus 16→21
HH income · wk$1,388 → $1,644
Change+18.4%
vs NSW median-2.2 pp
Median rent+5.3%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining2
TransportGTFS
Bus stops13
Hospitals · Queanbeyan-Palerang Regional LGAAIHW
Public2
Private0
Braidwood Multi Purpose Servicepublic
Queanbeyan Hospitalpublic
Aged care · Queanbeyan-Palerang Regional LGAGEN
Facilities4
Residential places364
Warrigal Care Queanbeyan132 places
Heritage Queanbeyan110 places
BaptistCare George Forbes House85 places
Braidwood Multi-Purpose Service37 places
Childcare · Queanbeyan-Palerang Regional LGAACECQA
Services39
Approved places3,148
Exceeding NQS7
Googong OSHClub195 places
TeamKids - St Greg's - Queanbeyan195 places
YMCA South Queanbeyan OSHC145 places
Jerrabomberra Public School - VillageOSHC135 places
Aspire Early Education & Kindergarten Googong134 places
Camp Australia Queanbeyan Public School OSHC120 places
+33 more in Queanbeyan-Palerang Regional LGA
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Sources & freshness
Verify-heavy evidence

Much of Captains Flat rests on evidence that should be verified before a 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 falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

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-Q3 · 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
ABS Census 2021 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
Crime
BOCSAR · April 2025 - March 2026 · 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 · 13 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

Captains Flat FAQ

Common questions
  1. What LGA is Captains Flat in?

    Captains Flat is in the Queanbeyan-Palerang Regional Local Government Area, NSW, postcode 2623. Council-level context for Queanbeyan-Palerang Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Captains Flat?

    The current median house price in Captains Flat, NSW is $500K, 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 Captains Flat?

    The median weekly rent in Captains Flat is $300/wk, based on ABS Census 2021 rent fallback.

  4. Is Captains Flat a good investment?

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

  5. Where does QuickProperty get its data for Captains Flat?

    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.

  6. How often is the Captains Flat 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.