Skip to content
Suburb profile ·Coffs Harbour LGA · NSW ·2450

Coffs Harbour NSW 2450

Coffs Harbour is in Coffs Harbour LGA, NSW, postcode 2450, with population 27,089.

The read

Growth-momentum

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$580/wk
Falling
-3.3% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2450 · Jun 2026
$620
$580
Jun 2025Jun 2026
Why it fits

Population scale is large enough to avoid reading this as a tiny locality only. Recent price movement shows visible market momentum. School coverage gives the page a stronger family/livability signal.

Median house
$900K
House median, latest period
9.8%YoY D5 vs AU
Median rent
$580/wk
Income-stretched rent market
3.3%YoY D10 vs AU
Gross yield
3.4%
Below investor band
D10 vs AU
Population
27,089
27K local footprint
D10 vs AU
Schools
12
Matched school context
D10 vs AU
Drive to city
6h 23m
525.7 km to Sydney CBD · free-flow
Solar
9,981
588 added 12mo · 67MW
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 · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+6.3%
5-yr
+4.6%
10-yr
+7.4%
Affordability trajectoryWorsening
Price
+13.0%/yr
Income
+5.0%/yr

Growth in median price vs median household income — worsening — prices outgrowing incomes.

Indicative cashflow-$451/wk (-$23,460/yr) · interest-only @ 6.4%, 80% LVR
Market turnover3.5% of homes traded/yr (407 sales · -29% vs 3-yr avg)
Rent stabilitystable — rents vary ±1.9% around trend (short window, 13 pts)
Value vs advantage+44% vs suburbs of similar SEIFA advantage (decile 2)

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).

Investment grade

Dgrade · 38/100 · top 62% of 3,604AU suburbs
Peer distributionstronger than 38% of AU suburbs
WeakerTypicalStronger
Capital growth22
Rental yield65
Stability29
Volatility-13.4ppCycle-2.0Affordability-1.5

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Coffs Harbour

Owner-occupied 59%Rented 41%
Investor activityATO
Negatively geared4.9%
1,390 of 4,090 landlords
Avg rental loss$7,548/yr
Landlords (rental income)4,090
Reported capital gains2,302
Investor exposure index(moderate vs national)68/100
The read

Mixed owner-renter market

57% of homes here are owner-occupied and 40% rented, with 5% of landlords negatively geared.

Why it fits

A balanced 57% owner-occupier / 40% renter mix.

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

Mortgage affordability

83%
of household income to service a new loan
18.7 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,410/mo vs median rent $2,513/mo (+75% · +$438/wk)

If rates move

At 4.2%: $3,521/mo (-889) · at 6.2% (current): $4,410/mo · at 8.2%: $5,384/mo (+974)

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
14.1x
median home price as a multiple of annual household income
Stretched
Renting
47%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,733/mo, while renters pay about $2,513/mo — renting runs $780/mo higher on these medians.

Median price
$900K
Household income · yr
$64K
Median rent · wk
$580
Owner mortgage · mo
$1,733
Gross yield
3.4%

Household income

$64K household · yr-22.2% vs NSW suburb median
Personal
$34K
Family
$80K
Household
$64K
Household income distribution (ABS Census 2021 · weekly)9% could service the median house
Under $300
423
$300-649
2,013
$650-999
1,654
$1,000-1,499
1,884
$1,500-1,999
1,207
$2,000-2,999
1,562
$3,000-3,999
623
$4,000+
528

Serviceability line: a household needs about $3,392/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 71% of households here would spend more than 30% of income on rent (rent stress line: $1,933/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$40K → $48K

Housing stock and tenure

Tenure (10,666 households)7.1% social housing
Owned outright
33%
Owned with mortgage
24%
Rented
40%
Dwelling structure7.7% of dwellings unoccupied on census night
Separate house
60%
Townhouse / semi
18%
Flat / apartment
21%

Getting to work: 81% drive, 1% public transport, 4% walk or cycle, 10% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total12
Avg ICSEA971
Students6,914
Catholic2
Government6
Independent4
  • Coffs Harbour Senior CollegeSecondary · Government · ICSEA 1038
  • Coffs Harbour Public SchoolPrimary · Government · ICSEA 897
  • Narranga Public SchoolPrimary · Government · ICSEA 948
  • Tyalla Public SchoolPrimary · Government · ICSEA 872
  • Coffs Harbour High SchoolSecondary · Government · ICSEA 957
  • Orara High SchoolSecondary · Government · ICSEA 896

Livability

100/ 100 livability index

Top 1% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 99% of Australian suburbs
WeakerTypicalStronger
Everyday access99
Public transport (197 stops)99
Schools & hospitals100

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
3,889
4,786 per 100k
D6 vs AU

Crime

Rate · per 100k4,786
Total incidents3,889· April 2025 - March 2026
  • Assault1,06358%
  • Sexual Offences32718%
  • Robbery352%
  • Break And Enter40822%

Development screen

Could a secondary dwelling be worth investigating?

secondary dwelling / granny flat screening context Medium broad constraint context

Policy position

Official policy reviewed

Permitted in residential zones under the Housing SEPP; may be approved by consent or as complying development when Housing SEPP and Codes SEPP standards are met.

Rental use: Secondary dwelling rental use is allowed as a dwelling use, subject to planning and tenancy rules.

Open official policy source

Separate houses

55.1%

Suburb share of occupied private dwellings recorded as separate houses.

22.4 pp below the state median

State median 77.5% · 1,253 valid suburbs

Residential-zone context

24.4%

Broad suburb sampling only; the property zoning and overlays can differ.

17.9 pp below the state median

State median 42.3% · 1,245 valid suburbs

Rental households

39.6%

Demand context only; it does not establish permission to rent a secondary dwelling.

13.7 pp above the state median

State median 25.9% · 1,253 valid suburbs

Mapped hazards

bushfire high

The staged suburb layer indicates a broad-area constraint that needs address-level checking. No broad-area layer staged for this suburb.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Source reviewed

    State policy position

    QuickProperty reviewed the official secondary dwelling / granny flat policy source.

  2. 02 Property dependent

    Planning pathway

    Test consent or complying-development eligibility, including the 450 m² lot marker and all other standards.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: Coffs Harbour unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Coffs Harbour, NSW 2450 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

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

High broad-area context

About 68.8% 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

High exposure ~68.8%
~68.8% of the suburb is Bush Fire Prone Land · ~17.0% 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.

Short-term rentals

352
active listings · ~13.0 per 1,000 residents
87%
entire homes (vs private rooms)
67%
run by multi-listing operators
Investment view Estimated
$251
median nightly (entire home)
18%
estimated occupancy
$16,381
estimated annual revenue (gross)

Estimated short-let income is 0.5× the $30,160/yr a long-term let would earn at the median rent — before management fees, cleaning, vacancy beyond the occupancy model, and short-stay regulation.

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Rural Landscape
Public / Open space 33% Rural / Green wedge 22% Residential 22% Other 14% Industrial 1% Commercial / Mixed 1%
Residential density: Low · 1% growth-zoned

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

11,367 people · 202213,240 by 2032 (+16.5%)

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

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

Coffs Harbour (postcode 2450) is a sizeable suburb in New South Wales within the Coffs Harbour local government area. The area has roughly 27,089 residents and an established family demographic, with a median age of 43. Households earn a median income of $64K 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 +0.7% 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 professionals, community & personal service, technicians & trades. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are English, Australian, Irish.

The median house price in Coffs Harbour is $900,000, having risen solidly by 9.8% over the past year. Units have a median price of $620,000 (+5.1% YoY). The current median weekly rent is $580. This gives a gross rental yield of approximately 3.4%. The median monthly mortgage repayment is $1,733.

Coffs Harbour is served by 12 schools, including 5 primary, 4 secondary, 2 combined, 1 special. The average ICSEA score is 971, which is around the national average of 1,000. Public transport access includes 1 rail station, 196 bus stops. Healthcare facilities include 1 public and 3 private hospitals. The crime rate in the Coffs Harbour LGA is moderate at 4,786 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 3.4%, which reads as moderate yield. Property prices sit below the state median ($900K/$1.5M), which can point to relative value. The price-to-income ratio of 14.1x is considered stretched. House prices have moved +9.8% 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 Yield3.4%· Moderate Yield
Price vs State$900K/$1.5M Below Median
Affordability14.1x Stretched
Price Momentum+9.8% Rising
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,733
Rent · wk(Census)$355
Market rent · wk(2026-06)$580
Gross yield2.1%
Price / income14.1x
Sales vol (latest Q)(2026-Q2)40
Population growth · Coffs Harbour LGAABS ERP
Population (2025)82,109
5-year growth+0.9% CAGR
YoY change+0.7%
20012025
Development · Coffs Harbour LGAABS Approvals
Approvals (2026)317
Houses 60%Units 40%
YoY change+0%
Employment · Coffs Harbour LGASALM
Unemployment (Dec-25)3.8%
YoY change-0.7pp
Dec-10Dec-25
Property investors · Postcode 2450ATO
Negatively geared4.9%
1,390 of filers
Avg rental loss$7,548/yr
Landlords (rental income)4,090
Reported capital gains2,302
People & prosperity
DemographicsCensus 21
Population27,089
Median age43
Household size2.3
HH income · wk$1,231
Personal income · wk$652
Persons / bedroom0.8
IncomeATO 22-23
Median income$48,356
Mean income$57,575
Earners11,443
YoY change+8.7%
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)3/10
Economic (IER)2/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$1,019 → $1,231
Change+20.8%
vs NSW median+0.2 pp
Median rent+20.3%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets8
Pharmacies5
GP / clinics7
Fuel stations9
Cafes & dining98
aldi1
coles1
iga1
woolworths2
TransportGTFS
Rail stations1
Bus stops196
Coffs Harbour Station, Platform 1
Hospitals · Coffs Harbour LGAAIHW
Public1
Private3
Coffs Harbour Hospitalpublic · in suburb
Baringa Private Hospitalprivate · in suburb
Coffs Day Hospitalprivate · in suburb
Ramsay Surgical Centre Coffs Harbourprivate · in suburb
Aged care · Coffs Harbour LGAGEN
Facilities10
Residential places843
Coffs Harbour Grange Care Community123 places
The Shoreline120 places · in suburb
Catholic Healthcare St Joseph's Aged Care112 places · in suburb
Calvary The Brelsford105 places · in suburb
Mater Christi Aged Care Facility101 places
Coffs Haven Residential Care Service100 places
+4 more in Coffs Harbour LGA
Childcare · Coffs Harbour LGAACECQA
Services56
Approved places3,052
Exceeding NQS15
Community OOSH Services Fun Factory Toormina150 places
Community OOSH Services PCYC150 places · in suburb
WHOLECHILD EARLY LEARNING COFFS HARBOUR128 places · in suburb
St Augustine's Out of School Hours Care120 places · in suburb
Faith Family Early Learning Coffs Harbour116 places · in suburb
Community OOSH Services (Woolgoolga)100 places
+50 more in Coffs Harbour 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 Coffs Harbour if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Strong evidence

There is enough direct local evidence on Coffs Harbour 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 · 2026-Q2 · 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 · 12 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 4 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 197 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.

Coffs Harbour FAQ

Common questions
  1. What LGA is Coffs Harbour in?

    Coffs Harbour is in the Coffs Harbour Local Government Area, NSW, postcode 2450. Council-level context for Coffs Harbour LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Coffs Harbour?

    The current median house price in Coffs Harbour, NSW is $900K, 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 Coffs Harbour?

    The median weekly rent in Coffs Harbour 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 Coffs Harbour?

    Income-stretched rent market: Weekly rent screens at about 62% 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 Coffs Harbour a good investment?

    QuickProperty's investment signals for Coffs Harbour show: Moderate 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 Coffs Harbour?

    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 Coffs Harbour 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.