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Suburb profile ·Gilgandra LGA · NSW ·2827

Gilgandra NSW 2827

Gilgandra is in Gilgandra LGA, NSW, postcode 2827, with population 2,983.

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.

$300/wk
Flat
+0.0% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2827 · May 2026
$390
$240
Mar 2025May 2026
Why it fits

Gross yield screens at about 8.0%. Entry price sits in the lower-cost range for a first-pass screen. School coverage gives the page a stronger family/livability signal.

Median house
$195K
House median, latest period
42.6%YoY D1 vs AU
Median rent
$300/wk
Rent-led investor candidate
0.0%YoY D6 vs AU
Gross yield
8.0%
Strong yield band
D10 vs AU
Population
2,983
3K local footprint
D9 vs AU
Schools
3
Matched school context
D9 vs AU
Drive to city
6h 21m
440.7 km to Sydney CBD · free-flow
Solar
1,073
41 added 12mo · 7MW
Price cycleCorrecting
LowPeak

42.6% below peak · 95.0% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2005Peak · 2025

42.6% below peak · 95.0% above its low

Price growth (compound)% per year
3-yr
-9.4%
5-yr
+1.0%
10-yr
+1.1%
Affordability trajectoryWorsening
Price
+10.5%/yr
Income
+7.2%/yr

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

Indicative cashflow$39/wk ($2,028/yr) · interest-only @ 6.2%, 80% LVR
Market turnover3.9% of homes traded/yr (53 sales · -13% vs 3-yr avg)
Value vs advantage-65% vs suburbs of similar SEIFA advantage (decile 1)

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

Cgrade · 46/100 · top 54% of 3,605AU suburbs
Peer distributionstronger than 46% of AU suburbs
WeakerTypicalStronger
Capital growth1
Rental yield99
Stability22
Volatility-16.0ppCycle-1.0Affordability-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 Gilgandra

Owner-occupied 69%Rented 31%
Investor activityATO
Negatively geared3.7%
73 of 215 landlords
Avg rental loss$4,491/yr
Landlords (rental income)215
Reported capital gains131
Investor exposure index(moderate vs national)60.8/100
The read

Mixed owner-renter market

63% of homes here are owner-occupied and 29% rented, with 4% of landlords negatively geared.

Why it fits

A balanced 63% owner-occupier / 29% 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

20%
of household income to service a new loan
4.6 yrs
to save a 20% deposit
Comfortable
housing-stress band
Rent vs buyBuying cheaper

New-loan repayment $935/mo vs median rent $1,300/mo (-28% · -$84/wk)

If rates move

At 4.0%: $745/mo (-191) · at 6.0% (current): $935/mo · at 8.0%: $1,145/mo (+209)

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
3.5x
median home price as a multiple of annual household income
Affordable
Renting
28%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,062/mo, while renters pay about $1,300/mo — renting runs $238/mo higher on these medians.

Median price
$195K
Household income · yr
$56K
Median rent · wk
$300
Owner mortgage · mo
$1,062
Gross yield
8.0%

Household income

$56K household · yr-31.6% vs NSW suburb median
Personal
$32K
Family
$69K
Household
$56K
Household income distribution (ABS Census 2021 · weekly)68% could service the median house
Under $300
46
$300-649
243
$650-999
189
$1,000-1,499
209
$1,500-1,999
102
$2,000-2,999
158
$3,000-3,999
49
$4,000+
31

Serviceability line: a household needs about $719/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 47% of households here would spend more than 30% of income on rent (rent stress line: $1,000/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$33K → $44K

Housing stock and tenure

Tenure (1,152 households)5.9% social housing
Owned outright
39%
Owned with mortgage
24%
Rented
29%
Dwelling structure14.2% of dwellings unoccupied on census night
Separate house
91%
Townhouse / semi
3%
Flat / apartment
4%

Getting to work: 78% drive, 1% public transport, 8% walk or cycle, 8% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total3
Avg ICSEA890
Students531
Catholic1
Government2
  • Gilgandra Public SchoolPrimary · Government · ICSEA 815
  • Gilgandra High SchoolSecondary · Government · ICSEA 849
  • St Joseph's Catholic Primary School GilgandraPrimary · Catholic · ICSEA 1006

Livability

91/ 100 livability index

Top 9% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 91% of Australian suburbs
WeakerTypicalStronger
Everyday access84
Public transport (88 stops)95
Schools & hospitals81

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
253
5,877 per 100k
D7 vs AU

Crime

Rate · per 100k5,877
Total incidents253· April 2025 - March 2026
  • Assault7960%
  • Sexual Offences2418%
  • Robbery00%
  • Break And Enter2821%

Bushfire exposure

Low exposure ~6.9%
~6.9% of the suburb is Bush Fire Prone Land · ~2.9% 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 94% Residential 3% Other 2% Industrial 1% Public / Open space 1%
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

4,410 people · 20224,458 by 2032 (+1.1%)

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

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

Located in New South Wales within the Gilgandra local government area, Gilgandra is a smaller residential area (postcode 2827). With a population of 2,983, the suburb has a settled, mature resident base with a median age of 47. Households earn a median income of $56K per year, with an average household size of 2.2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.0% 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 community & personal service, professionals, managers. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are Australian, English, Aboriginal Australian.

The median house price in Gilgandra is $195,000, having dropped significantly by 42.6% over the past year. The current median weekly rent is $300. This gives a gross rental yield of approximately 8.0%. The median monthly mortgage repayment is $1,062.

Gilgandra is served by 3 schools, including 2 primary, 1 secondary. The average ICSEA score is 890, which is well below the national average of 1,000. Public transport access includes 4 rail stations, 84 bus stops. Healthcare facilities include 1 public hospital. The crime rate in the Gilgandra LGA is moderate at 5,877 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 8.0% (high yield). Property prices sit below the state median ($195K/$1.5M), which can point to relative value. The price-to-income ratio of 3.5x is considered affordable. House prices have moved -42.6% year-on-year. Population growth of +0.0% 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 Yield8.0% High Yield
Price vs State$195K/$1.5M Below Median
Affordability3.5x Affordable
Price Momentum-42.6% Falling
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,062
Rent · wk(Census)$200
Market rent · wk(2026-05)$300
Gross yield5.3%
Price / income3.5x
Sales vol (latest Q)(2025-Q4)11
Population growth · Gilgandra LGAABS ERP
Population (2025)4,304
5-year growth-0.1% CAGR
YoY change+0%
20012025
Development · Gilgandra LGAABS Approvals
Approvals (2026)10
Houses 20%Units 80%
YoY change+0%
Employment · Gilgandra LGASALM
Unemployment (Dec-25)2.6%
YoY change-0.9pp
Dec-10Dec-25
Property investors · Postcode 2827ATO
Negatively geared3.7%
73 of filers
Avg rental loss$4,491/yr
Landlords (rental income)215
Reported capital gains131
People & prosperity
DemographicsCensus 21
Population2,983
Median age47
Household size2.2
HH income · wk$1,083
Personal income · wk$606
Persons / bedroom0.7
IncomeATO 22-23
Median income$44,196
Mean income$53,429
Earners2,553
YoY change-5.5%
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)1/10
Economic (IER)1/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$914 → $1,083
Change+18.5%
vs NSW median-2.1 pp
Median rent+14.9%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets2
Pharmacies1
GP / clinics4
Fuel stations6
Cafes & dining9
iga1
TransportGTFS
Rail stations4
Bus stops84
Balladoran Railway Rd At Ellis Rd
Station St After Noreen St
Station St After Warren Rd
Warren Rd At Station St
Hospitals · Gilgandra LGAAIHW
Public1
Private0
Gilgandra Multi Purpose Servicepublic · in suburb
Aged care · Gilgandra LGAGEN
Facilities3
Residential places77
Cooee Lodge50 places · in suburb
Gilgandra Multi-Purpose Service19 places · in suburb
Jack Towney Hostel8 places · in suburb
Childcare · Gilgandra LGAACECQA
Services3
Approved places148
Exceeding NQS1
Gilgandra Preschool80 places · in suburb
Aussie Kindies Early Learning Gilgandra49 places · in suburb
Tooraweenah Preschool19 places
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Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Gilgandra 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-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 · 3 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 88 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.

Gilgandra FAQ

Common questions
  1. What LGA is Gilgandra in?

    Gilgandra is in the Gilgandra Local Government Area, NSW, postcode 2827. Council-level context for Gilgandra LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Gilgandra?

    The current median house price in Gilgandra, NSW is $195K, 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 Gilgandra?

    The median weekly rent in Gilgandra is $300/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 Gilgandra?

    Rent-led investor candidate: Gross rent yield screens at about 8.0%. 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 Gilgandra a good investment?

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

  6. Where does QuickProperty get its data for Gilgandra?

    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 Gilgandra 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.