Freshwater NSW

Postcode 2096 · Northern Beaches LGA

Freshwater is a mid-sized suburb in New South Wales within the Northern Beaches local government area (postcode 2096). With a population of 9,186, the suburb has a mix of young professionals and families with a median age of 37. Households earn a median income of $142K per year, with an average household size of 2.5 people. The most common occupations are professionals, managers, technicians & trades. The top ancestries reported are English, Australian, Irish.

The median house price in Freshwater is $4.1 million, having grown strongly 5.6% over the past year. Units have a median price of $1.0 million (-21.6% YoY). The current median weekly rent is $935. This gives a gross rental yield of approximately 1.2%. The median monthly mortgage repayment is $3,055.

Freshwater is served by 3 schools, including 2 primary, 1 secondary. The average ICSEA score is 1123, which is well above the national average of 1,000. Public transport access includes 44 bus stops. The crime rate in the Northern Beaches LGA is low at 1,499 incidents per 100,000 population.

From an investment perspective, Freshwater offers a gross rental yield of 1.2%, rated as low yield. Property prices are above the state median ($4.1M/$1.5M), placing it in the premium segment. The price-to-income ratio of 28.7x is considered stretched. House prices have moved +5.6% year-on-year.

INVESTMENT SIGNALS
Rental Yield1.2% Low Yield
Price vs State$4.1M/$1.5M Above Median
Affordability28.7x Stretched
Price Momentum+5.6% Rising
INCOME (ATO 2022-23)
Median Income$75,880
Mean Income$120,341
Earners16,909
YoY Change+3.8%
SEIFA INDEX (ABS)
Advantage10/10
Education10/10
Economic8/10
Disadvantage10/10
MEDIAN HOUSE
$4.1M
5.6% YoY
MEDIAN UNIT
$1.0M
-21.6% YoY
MEDIAN RENT /WK
$600
POPULATION
9,186
DEMOGRAPHICS
Median Age37
Household Size2.5
HH Income /wk$2,726
Personal Income /wk$1355
Mortgage /mth$3,055
CRIME (Northern Beaches LGA)
Crime Rate (per 100k)1,499
Total Incidents4,058
TRANSPORT
Bus Stops44
SCHOOLS (3)
Avg ICSEA1123
Total Students1,691
Government2
Catholic1
Harbord Public SchoolPrimary · Government · ICSEA 1137
Northern Beaches Secondary College Freshwater Senior CampusSecondary · Government · ICSEA 1098
St John the Baptist Catholic Primary SchoolPrimary · Catholic · ICSEA 1134
Data: 2025