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Suburb profile ·Eurobodalla LGA · NSW ·2537

Congo NSW 2537

Congo is in Eurobodalla LGA, NSW, postcode 2537, with population 253.

The read

Income-first

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.

$565/wk
Rising
+3.7% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2537 · May 2026
$580
$505
Mar 2025May 2026
Why it fits

Gross yield screens at about 4.9%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$605K
House median, latest period
22.4%YoY D3 vs AU
Median rent
$565/wk
Rent-led investor candidate
3.7%YoY D10 vs AU
Gross yield
4.9%
Strong yield band
D10 vs AU
Population
41,309
41K via Eurobodalla LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,464
205 added 12mo · 21MW
Price cycleCorrecting
LowPeak

34.1% below peak · 72.9% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2006Peak · 2022

34.1% below peak · 72.9% above its low

Price growth (compound)% per year
3-yr
-8.9%
5-yr
-0.8%
10-yr
+4.2%
Indicative cashflow-$153/wk (-$7,973/yr) · interest-only @ 6.2%, 80% LVR
Rent stabilitytypical — rents vary ±4.0% around trend (short window, 15 pts)
Value vs advantage-46% vs suburbs of similar SEIFA advantage (decile 7)

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 Congo

Owner-occupied 83%Rented 17%
Investor activityATO
Negatively geared5.4%
402 of 1,160 landlords
Avg rental loss$5,773/yr
Landlords (rental income)1,160
Reported capital gains678
The read

Owner-occupier stronghold

73% of homes here are owner-occupied and 15% rented, with 5% of landlords negatively geared.

Why it fits

73% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

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

Mortgage affordability

43%
of household income to service a new loan
10.0 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,902/mo vs median rent $2,448/mo (+19% · +$105/wk)

If rates move

At 4.0%: $2,311/mo (-591) · at 6.0% (current): $2,902/mo · at 8.0%: $3,551/mo (+650)

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
7.5x
median home price as a multiple of annual household income
Moderate
Renting
36%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,687/mo, while renters pay about $2,448/mo — renting runs $761/mo higher on these medians.

Median price
$605K
Household income · yr
$81K
Median rent · wk
$565
Owner mortgage · mo
$1,687
Gross yield
4.9%

Household income

$81K household · yr-2.1% vs NSW suburb median
Personal
$42K
Family
$108K
Household
$81K
Household income distribution (ABS Census 2021 · weekly)37% could service the median house
Under $300
0
$300-649
17
$650-999
9
$1,000-1,499
22
$1,500-1,999
11
$2,000-2,999
17
$3,000-3,999
8
$4,000+
13

Serviceability line: a household needs about $2,232/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 59% of households here would spend more than 30% of income on rent (rent stress line: $1,883/wk income).

Housing stock and tenure

Tenure (102 households)
Owned outright
47%
Owned with mortgage
26%
Rented
15%
Dwelling structure28.7% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 81% drive, 0% public transport, 5% walk or cycle, 19% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
1,326
3,223 per 100k
D5 vs AU

Crime

Rate · per 100k3,223
Total incidents1,326· April 2025 - March 2026
  • Assault38961%
  • Sexual Offences10416%
  • Robbery41%
  • Break And Enter14022%

Bushfire exposure

Severe exposure ~97.4%
~97.4% of the suburb is Bush Fire Prone Land · ~43.2% 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 52% Public / Open space 27% Residential 15% Other 2%
Residential density: Low

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

8,588 people · 20229,086 by 2032 (+5.8%)

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

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

Located in New South Wales within the Eurobodalla local government area, Congo is a sparsely populated locality (postcode 2537). The area has roughly 253 residents and an older-leaning population, with a median age of 48. Households earn a median income of $81K 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 +0.5% 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, technicians & trades, community & personal service. Employment in the area leans toward healthcare and education. The top ancestries reported are Australian, English, Irish.

The median house price in Congo is $605,000, having fallen sharply by 22.4% over the past year. The current median weekly rent is $565. This gives a gross rental yield of approximately 4.9%. The median monthly mortgage repayment is $1,687.

Public transport access includes 8 bus stops. The crime rate in the Eurobodalla LGA is below average at 3,223 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 4.9%, which reads as moderate yield. Property prices sit below the state median ($605K/$1.5M), which can point to relative value. The price-to-income ratio of 7.5x is considered moderate. House prices have moved -22.4% year-on-year. Population growth of +0.5% 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 Yield4.9%· Moderate Yield
Price vs State$605K/$1.5M Below Median
Affordability7.5x· Moderate
Price Momentum-22.4% Falling
Pop. Growth+0.5%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,687
Rent · wk(Census)$340
Market rent · wk(2026-05)$565
Gross yield2.9%
Price / income7.5x
Sales vol (latest Q)(2020-Q4)5
Population growth · Eurobodalla LGAABS ERP
Population (2025)41,309
5-year growth+0.7% CAGR
YoY change+0.5%
20012025
Development · Eurobodalla LGAABS Approvals
Approvals (2026)179
Houses 72%Units 28%
YoY change+0%
Employment · Eurobodalla LGASALM
Unemployment (Dec-25)4.2%
YoY change-0.7pp
Dec-10Dec-25
Property investors · Postcode 2537ATO
Negatively geared5.4%
402 of filers
Avg rental loss$5,773/yr
Landlords (rental income)1,160
Reported capital gains678
People & prosperity
DemographicsCensus 21
Population253
Median age48
Household size2.3
HH income · wk$1,550
Personal income · wk$805
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)7/10
Education (IEO)8/10
Economic (IER)6/10
Disadvantage (IRSD)6/10
Income momentumCensus 16→21
HH income · wk$1,013 → $1,550
Change+53%
vs NSW median+32.4 pp
Median rent+15.3%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops8
Hospitals · Eurobodalla LGAAIHW
Public2
Private1
Batemans Bay Hospitalpublic
Moruya Hospitalpublic
Mogo Day Surgeryprivate
Aged care · Eurobodalla LGAGEN
Facilities8
Residential places673
Denhams Beach Care Community130 places
Estia Health Dalmeny115 places
Catholic Healthcare Maranatha Lodge95 places
The Glen Residential Care Service92 places
IRT Dalmeny90 places
Banksia Lodge80 places
+2 more in Eurobodalla LGA
Childcare · Eurobodalla LGAACECQA
Services23
Approved places985
Exceeding NQS3
Sunshine Bay Early Learning Centre100 places
Broulee Early Learning Centre Pty Ltd98 places
Northside Early Learning Centre69 places
Batehaven Early Learning Service59 places
Batemans Bay Out of School Hours Care50 places
Little Gumnuts Moruya50 places
+17 more in Eurobodalla LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Congo carries 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 · 2020-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 · 2026-05 · 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 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 8 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.

Congo FAQ

Common questions
  1. What LGA is Congo in?

    Congo is in the Eurobodalla Local Government Area, NSW, postcode 2537. Council-level context for Eurobodalla LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Congo?

    The current median house price in Congo, NSW is $605K, 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 Congo?

    The median weekly rent in Congo is $565/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Congo?

    Rent-led investor candidate: Gross rent yield screens at about 4.9%. 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 Congo a good investment?

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

  6. Where does QuickProperty get its data for Congo?

    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 Congo 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.