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Suburb profile ·Mid-Coast LGA · NSW ·2428

Coomba Bay NSW 2428

Coomba Bay is in Mid-Coast LGA, NSW, postcode 2428, with population 168.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$534/wk
Rising
+10.1% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2428 · Jun 2026
$580
$450
Jun 2025Jun 2026
What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.2M
House median, latest period
46.7%YoY D7 vs AU
Median rent
$534/wk
Rent context available
10.1%YoY D10 vs AU
Gross yield
2.3%
Low yield band
D7 vs AU
Population
99,448
99K via Mid-Coast LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
5,847
347 added 12mo · 34MW
Price cycleCorrecting
LowPeak

46.7% below peak · 200.6% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2018Peak · 2024

46.7% below peak · 200.6% above its low

Price growth (compound)% per year
3-yr
-2.1%
5-yr
+24.6%
10-yr
+7.5%
Indicative cashflow-$776/wk (-$40,358/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitytypical — rents vary ±5.1% around trend (short window, 13 pts)
Value vs advantage+20% vs suburbs of similar SEIFA advantage (decile 6)

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 Coomba Bay

Owner-occupied 100%Rented 0%
Investor activityATO
Negatively geared4%
520 of 1,660 landlords
Avg rental loss$7,369/yr
Landlords (rental income)1,660
Reported capital gains1,314
Investor exposure index(low vs national)33.1/100
The read

Owner-occupier stronghold

95% of homes here are owner-occupied and 0% rented, with 4% of landlords negatively geared.

Why it fits

95% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.3% 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

85%
of household income to service a new loan
19.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $5,855/mo vs median rent $2,314/mo (+153% · +$817/wk)

If rates move

At 4.2%: $4,675/mo (-1,180) · at 6.2% (current): $5,855/mo · at 8.2%: $7,149/mo (+1,293)

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
14.5x
median home price as a multiple of annual household income
Stretched
Renting
34%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,517/mo, while renters pay about $2,314/mo — renting runs $797/mo higher on these medians.

Median price
$1.20M
Household income · yr
$82K
Median rent · wk
$534
Owner mortgage · mo
$1,517
Gross yield
2.3%

Household income

$82K household · yr+0% vs NSW suburb median
Personal
$31K
Family
$96K
Household
$82K
Household income distribution (ABS Census 2021 · weekly)0% could service the median house
Under $300
0
$300-649
8
$650-999
6
$1,000-1,499
7
$1,500-1,999
13
$2,000-2,999
13
$3,000-3,999
4
$4,000+
0

Serviceability line: a household needs about $4,504/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 53% of households here would spend more than 30% of income on rent (rent stress line: $1,780/wk income).

Housing stock and tenure

Tenure (55 households)
Owned outright
62%
Owned with mortgage
33%
Rented
0%
Dwelling structure6.5% of dwellings unoccupied on census night
Separate house
98%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 64% drive, 0% public transport, 0% walk or cycle, 30% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
3,966
4,023 per 100k
D6 vs AU

Crime

Rate · per 100k4,023
Total incidents3,966· April 2025 - March 2026
  • Assault1,18859%
  • Sexual Offences29115%
  • Robbery201%
  • Break And Enter50525%

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 77.0% 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 ~77.0%
~77.0% of the suburb is Bush Fire Prone Land · ~63.8% 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

15
active listings
100%
entire homes (vs private rooms)
73%
run by multi-listing operators
Investment view Estimated
$680
median nightly (entire home)
10%
estimated occupancy
$23,498
estimated annual revenue (gross)

Estimated short-let income is 0.8× the $27,768/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 Environmental Living
Residential 86% Public / Open space 14%
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

7,067 people · 20227,844 by 2032 (+11.0%)

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

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

Coomba Bay (postcode 2428) is a quiet locality in New South Wales within the Mid-Coast local government area. With a population of 168, the suburb has an older demographic with a median age of 58. Households earn a median income of $82K per year, with an average household size of 2.4 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 technicians & trades, professionals, clerical & administrative. Employment in the area leans toward healthcare and education. The top ancestries reported are English, Australian, Scottish.

Median house prices in Coomba Bay stand at $1.2 million, having fallen sharply by 46.7% over the last twelve months. The current median weekly rent is $534. This gives a gross rental yield of approximately 2.3%. The median monthly mortgage repayment is $1,517.

Public transport access includes 4 bus stops. The crime rate in the Mid-Coast LGA is moderate at 4,023 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 2.3% (low yield). Property prices are near the state median ($1.2M/$1.5M). The price-to-income ratio of 14.5x is considered stretched. House prices have moved -46.7% 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 Yield2.3% Low Yield
Price vs State$1.2M/$1.5M· Near Median
Affordability14.5x Stretched
Price Momentum-46.7% Falling
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,517
Rent · wk(Census)$400
Market rent · wk(2026-06)$534
Gross yield1.7%
Price / income14.5x
Population growth · Mid-Coast LGAABS ERP
Population (2025)99,448
5-year growth+0.8% CAGR
YoY change+0.7%
20012025
Development · Mid-Coast LGAABS Approvals
Approvals (2026)483
Houses 87%Units 13%
YoY change+0%
Employment · Mid-Coast LGASALM
Unemployment (Dec-25)4.7%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 2428ATO
Negatively geared4%
520 of filers
Avg rental loss$7,369/yr
Landlords (rental income)1,660
Reported capital gains1,314
People & prosperity
DemographicsCensus 21
Population168
Median age58
Household size2.4
HH income · wk$1,583
Personal income · wk$594
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)4/10
Economic (IER)6/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$780 → $1,583
Change+102.9%
vs NSW median+82.3 pp
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops4
Hospitals · Mid-Coast LGAAIHW
Public4
Private2
Bulahdelah Hospitalpublic
Gloucester Soldiers' Memorial Hospitalpublic
Manning Hospitalpublic
Wingham Hospitalpublic
Forster Private Hospitalprivate
Mayo Private Hospitalprivate
Aged care · Mid-Coast LGAGEN
Facilities17
Residential places1,585
BaptistCare Kularoo Centre160 places
Glaica House146 places
Estia Health Tuncurry124 places
Estia Health Taree121 places
Anglican Care Storm Village117 places
Estia Health Tea Gardens106 places
+11 more in Mid-Coast LGA
Childcare · Mid-Coast LGAACECQA
Services67
Approved places3,690
Exceeding NQS18
Active OOSH Forster185 places
Active OOSH Taree127 places
Old Bar Little Learners126 places
Active OOSH Old Bar112 places
Faith Family Early Learning Taree103 places
Active OOSH Wingham100 places
+61 more in Mid-Coast 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 Coomba Bay if it deserves a shortlist slot.

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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

Coomba Bay has 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 · 2025 · 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 · 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 · 4 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.
Sparse locality note

This page stays indexable because Coomba Bay is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches and hospital coverage.

The main gaps on this page are school matches and hospital coverage. That narrows how much confidence you should place on a single-page read.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Start here for context, then open compare, the state hub, or larger nearby suburbs before treating this as a complete market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

Read it as a direction-setter rather than a final answer: frame the locality, then verify with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Coomba Bay feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Charlotte Bay most similar
similar price band similar rent profile similar suburb scale

pop same · house +$105K · rent -$114/wk

Similar local read: useful for context, but still compare the actual market signals.

Bundabah most similar
similar price band similar rent profile similar suburb scale

pop same · house -$60K · rent -$189/wk

Similar local read: useful for context, but still compare the actual market signals.

Bootawa most similar
similar price band similar rent profile similar suburb scale

pop same · house -$145K · rent -$249/wk

Similar local read: useful for context, but still compare the actual market signals.

Coomba Bay FAQ

Common questions
  1. What LGA is Coomba Bay in?

    Coomba Bay is in the Mid-Coast Local Government Area, NSW, postcode 2428. Council-level context for Mid-Coast LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Coomba Bay?

    The current median house price in Coomba Bay, NSW is $1.2M, 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 Coomba Bay?

    The median weekly rent in Coomba Bay is $534/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Coomba Bay?

    Rent context available: Coomba Bay has usable rent context. 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 Coomba Bay a good investment?

    QuickProperty's investment signals for Coomba Bay show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Coomba Bay?

    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 Coomba Bay 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.