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Suburb profile ·Shellharbour LGA · NSW ·2529

Dunmore NSW 2529

Dunmore is in Shellharbour LGA, NSW, postcode 2529, with population 318.

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.

$785/wk
Rising
+6.1% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2529 · May 2026
$790
$720
Mar 2025May 2026
Why it fits

Recent price movement shows visible market momentum. Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Small local population makes the signal set more fragile.

Median house
$1.2M
House median, latest period
15.8%YoY D8 vs AU
Median rent
$785/wk
Rent-pressure candidate
6.1%YoY D10 vs AU
Gross yield
3.3%
Below investor band
D9 vs AU
Population
83,228
83K via Shellharbour LGA · SAL undercount
Schools
2
Matched school context
D8 vs AU
Drive to city
Not in commute dataset
Solar
4,843
327 added 12mo · 33MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Houses to Q3'25 · Units to 2023 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2016Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+7.7%
5-yr
+10.1%
10-yr
+1.3%
Indicative cashflow-$599/wk (-$31,137/yr) · interest-only @ 6.2%, 80% LVR
Market turnover28.8% of homes traded/yr (34 sales)
Rent stabilitystable — rents vary ±2.1% around trend (short window, 15 pts)
Value vs advantage-12% vs suburbs of similar SEIFA advantage (decile 9)

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 Dunmore

Owner-occupied 89%Rented 11%
Investor activityATO
Negatively geared7.6%
1,344 of 2,731 landlords
Avg rental loss$8,119/yr
Landlords (rental income)2,731
Reported capital gains1,437
Investor exposure index(moderate vs national)50.5/100
The read

Owner-occupier stronghold

82% of homes here are owner-occupied and 10% rented, with 8% of landlords negatively geared.

Why it fits

82% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.3% 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

62%
of household income to service a new loan
14.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $5,972/mo vs median rent $3,402/mo (+76% · +$593/wk)

If rates move

At 4.0%: $4,755/mo (-1,216) · at 6.0% (current): $5,972/mo · at 8.0%: $7,308/mo (+1,337)

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
10.8x
median home price as a multiple of annual household income
Stretched
Renting
35%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $2,234/mo, while renters pay about $3,402/mo — renting runs $1,168/mo higher on these medians.

Median price
$1.25M
Household income · yr
$115K
Median rent · wk
$785
Owner mortgage · mo
$2,234
Gross yield
3.3%

Household income

$115K household · yr+39.9% vs NSW suburb median
Personal
$46K
Family
$122K
Household
$115K
Household income distribution (ABS Census 2021 · weekly)fewer than 10% could service the median house
Under $300
4
$300-649
11
$650-999
18
$1,000-1,499
7
$1,500-1,999
11
$2,000-2,999
31
$3,000-3,999
14
$4,000+
11

Serviceability line: a household needs about $4,593/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 67% of households here would spend more than 30% of income on rent (rent stress line: $2,617/wk income).

Housing stock and tenure

Tenure (111 households)
Owned outright
44%
Owned with mortgage
38%
Rented
10%
Dwelling structure4.3% of dwellings unoccupied on census night
Separate house
95%
Townhouse / semi
5%
Flat / apartment
0%

Getting to work: 65% drive, 2% public transport, 0% walk or cycle, 33% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total2
Avg ICSEA1099
Students981
Government1
Independent1
  • Illawarra Environmental Education CentreCombined · Government
  • Shellharbour Anglican CollegeCombined · Independent · ICSEA 1099
Crime April 2025 - March 2026
2,345
2,875 per 100k
D4 vs AU

Crime

Rate · per 100k2,875
Total incidents2,345· April 2025 - March 2026
  • Assault53354%
  • Sexual Offences22523%
  • Robbery101%
  • Break And Enter21422%

Bushfire exposure

Severe exposure ~81.6%
~81.6% of the suburb is Bush Fire Prone Land · ~22.7% 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 Rural Landscape
Rural / Green wedge 53% Public / Open space 36% Other 4% Residential 3%
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

19,815 people · 202224,181 by 2032 (+22.0%)

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

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

Located in New South Wales within the Shellharbour local government area, Dunmore is a sparsely populated locality (postcode 2529). With a population of 318, the suburb has an established demographic with a median age of 41. Households earn a median income of $115K per year, with an average household size of 2.7 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.9% 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, managers, clerical & administrative. Employment in the area leans toward healthcare and construction. The top ancestries reported are English, Australian, Scottish.

Dunmore has a median house price of $1.2 million, which has climbed sharply by 15.8% year-on-year. Units have a median price of $840,000. The current median weekly rent is $785. This gives a gross rental yield of approximately 3.3%. The median monthly mortgage repayment is $2,234.

Dunmore is served by 2 schools, including 2 combined. The average ICSEA score is 1099, which is above the national average of 1,000. Public transport access includes 1 rail station, 6 bus stops. The crime rate in the Shellharbour LGA is below average at 2,875 incidents per 100,000 population.

From an investment perspective, Dunmore shows a gross rental yield of approximately 3.3%, rated as moderate yield. Property prices are near the state median ($1.2M/$1.5M). The price-to-income ratio of 10.8x is considered stretched. House prices have moved +15.8% year-on-year. Population growth of +1.9% 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 Yield3.3%· Moderate Yield
Price vs State$1.2M/$1.5M· Near Median
Affordability10.8x Stretched
Price Momentum+15.8% Rising
Pop. Growth+1.9%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,234
Rent · wk(Census)$420
Market rent · wk(2026-05)$785
Gross yield1.8%
Price / income10.8x
Sales vol (latest Q)(2025-Q3)5
Population growth · Shellharbour LGAABS ERP
Population (2025)83,228
5-year growth+2.1% CAGR
YoY change+1.9%
20012025
Development · Shellharbour LGAABS Approvals
Approvals (2026)562
Houses 67%Units 33%
YoY change+0%
Employment · Shellharbour LGASALM
Unemployment (Dec-25)6.8%
YoY change-0.2pp
Dec-10Dec-25
Property investors · Postcode 2529ATO
Negatively geared7.6%
1,344 of filers
Avg rental loss$8,119/yr
Landlords (rental income)2,731
Reported capital gains1,437
People & prosperity
DemographicsCensus 21
Population318
Median age41
Household size2.7
HH income · wk$2,214
Personal income · wk$877
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)9/10
Education (IEO)8/10
Economic (IER)9/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,775 → $2,214
Change+24.7%
vs NSW median+4.1 pp
Median rent+162.5%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Rail stations1
Bus stops6
Dunmore (Shellharbour) Station, Dunmore Rd
Hospitals · Shellharbour LGAAIHW
Public1
Private1
Shellharbour Hospitalpublic
Shellharbour Private Hospitalprivate
Aged care · Shellharbour LGAGEN
Facilities5
Residential places571
Warrigal Mount Terry151 places
Warrigal Care Albion Park Rail149 places
Warrigal Care Shell Cove131 places
Uniting Elanora Shellharbour100 places
Warrigal Care Mt Warrigal40 places
Childcare · Shellharbour LGAACECQA
Services60
Approved places3,279
Exceeding NQS20
The Grove Academy - Shell Cove142 places · in suburb
Little Zak's Academy Shellharbour138 places
Junior Einsteins Nurturing Centre - Shell Heights125 places · in suburb
MindChamps Early Learning @ Shellharbour120 places
CatholicCare OSHC- St Paul's Albion Park107 places
Little Peoples Early Learning Centre Oak Flats106 places
+54 more in Shellharbour LGA
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Current status
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Sources & freshness
Strong evidence

Dunmore 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-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
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 · 2 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 · 7 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.

Dunmore FAQ

Common questions
  1. What LGA is Dunmore in?

    Dunmore is in the Shellharbour Local Government Area, NSW, postcode 2529. Council-level context for Shellharbour LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Dunmore?

    The current median house price in Dunmore, 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 Dunmore?

    The median weekly rent in Dunmore is $785/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Dunmore?

    Rent-pressure candidate: Dunmore rents screen above the local benchmark. 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 Dunmore a good investment?

    QuickProperty's investment signals for Dunmore show: Moderate 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 Dunmore?

    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 Dunmore 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.