Charlotte Bay NSW

Postcode 2428 · Mid-Coast LGA

Charlotte Bay is a quiet locality in New South Wales within the Mid-Coast local government area (postcode 2428). With a population of 175, the suburb has a mature demographic with a median age of 47. Households earn a median income of $62K per year, with an average household size of 2.7 people. The most common occupations are technicians & trades, professionals, clerical & administrative. The top ancestries reported are English, Australian, Irish.

The median house price in Charlotte Bay is $800,000, having dropped significantly 42.9% over the past year. Units have a median price of $730,000. The current median weekly rent is $500. This gives a gross rental yield of approximately 3.3%. The median monthly mortgage repayment is $1,560.

Public transport access includes 14 bus stops. The crime rate in the Mid-Coast LGA is below average at 3,753 incidents per 100,000 population.

From an investment perspective, Charlotte Bay offers a gross rental yield of 3.3%, rated as moderate yield. Property prices sit below the state median ($800K/$1.5M), suggesting a potential value opportunity. The price-to-income ratio of 13.0x is considered stretched. House prices have moved -42.9% year-on-year.

INVESTMENT SIGNALS
Rental Yield3.3% Moderate Yield
Price vs State$800K/$1.5M Below Median
Affordability13.0x Stretched
Price Momentum-42.9% Falling
SEIFA INDEX (ABS)
Advantage9/10
Education6/10
Economic9/10
Disadvantage8/10
MEDIAN HOUSE
$800K
-42.9% YoY
MEDIAN UNIT
$730K
0% YoY
MEDIAN RENT /WK
$420
POPULATION
175
DEMOGRAPHICS
Median Age47
Household Size2.7
HH Income /wk$1,187
Personal Income /wk$644
Mortgage /mth$1,560
CRIME (Mid-Coast LGA)
Crime Rate (per 100k)3,753
Total Incidents3,700
TRANSPORT
Bus Stops14
Data: 2026