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Suburb profile ·Albury LGA · NSW ·2641

Hamilton Valley NSW 2641

Hamilton Valley is in Albury LGA, NSW, postcode 2641, with population 834.

The read

Affordability-first

Price, rent, or affordability signals are lining up without a clear local red flag, and the broader demand backdrop is at least supportive. Treat this as a suburb worth comparing seriously, then stress-test it in the calculator before making a conviction call.

$480/wk
Rising
+6.7% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2641 · Jun 2026
$485
$435
Jun 2025Jun 2026
Why it fits

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
$591K
House median, latest period
6.5%YoY D3 vs AU
Median rent
$480/wk
Rent-led investor candidate
6.7%YoY D10 vs AU
Gross yield
4.2%
Moderate yield band
D10 vs AU
Population
834
834 local footprint
D8 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,080
184 added 12mo · 20MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2010Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+10.5%
5-yr
+9.4%
10-yr
+5.9%
Indicative cashflow-$222/wk (-$11,539/yr) · interest-only @ 6.4%, 80% LVR
Market turnover8.3% of homes traded/yr (24 sales)
Rent stabilitystable — rents vary ±2.4% around trend (short window, 13 pts)
Value vs advantage-33% vs suburbs of similar SEIFA advantage (decile 5)

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

Bgrade · 72/100 · top 28% of 3,604AU suburbs
Peer distributionstronger than 72% of AU suburbs
WeakerTypicalStronger
Capital growth52
Rental yield83
Stability29
Volatility-14.7ppCycle-2.0

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 Hamilton Valley

Owner-occupied 70%Rented 30%
Investor activityATO
Negatively geared2.8%
264 of 678 landlords
Avg rental loss$5,625/yr
Landlords (rental income)678
Reported capital gains480
Investor exposure index(high vs national)85/100
The read

Owner-occupier stronghold

70% of homes here are owner-occupied and 30% rented, with 3% of landlords negatively geared.

Why it fits

70% 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

35%
of household income to service a new loan
7.9 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,896/mo vs median rent $2,080/mo (+39% · +$188/wk)

If rates move

At 4.2%: $2,312/mo (-584) · at 6.2% (current): $2,896/mo · at 8.2%: $3,535/mo (+640)

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
5.9x
median home price as a multiple of annual household income
Affordable
Renting
25%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,590/mo, while renters pay about $2,080/mo — renting runs $490/mo higher on these medians.

Median price
$591K
Household income · yr
$100K
Median rent · wk
$480
Owner mortgage · mo
$1,590
Gross yield
4.2%

Household income

$100K household · yr+21.5% vs NSW suburb median
Personal
$50K
Family
$109K
Household
$100K
Household income distribution (ABS Census 2021 · weekly)39% could service the median house
Under $300
3
$300-649
9
$650-999
23
$1,000-1,499
51
$1,500-1,999
52
$2,000-2,999
81
$3,000-3,999
28
$4,000+
13

Serviceability line: a household needs about $2,228/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 37% of households here would spend more than 30% of income on rent (rent stress line: $1,600/wk income).

Housing stock and tenure

Tenure (277 households)
Owned outright
24%
Owned with mortgage
46%
Rented
30%
Dwelling structure5.8% of dwellings unoccupied on census night
Separate house
95%
Townhouse / semi
3%
Flat / apartment
0%

Getting to work: 84% drive, 0% public transport, 2% walk or cycle, 9% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

11/ 100 livability index

Top 89% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 11% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (12 stops)37
Schools & hospitals0

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
3,717
6,374 per 100k
D8 vs AU

Crime

Rate · per 100k6,374
Total incidents3,717· April 2025 - March 2026
  • Assault94460%
  • Sexual Offences19913%
  • Robbery221%
  • Break And Enter39725%

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 92.9% 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 ~92.9%
~92.9% of the suburb is Bush Fire Prone Land · ~50.0% 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 Environmental Conservation
Public / Open space 78% Residential 11% Other 8%
Residential density: Standard

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

10,506 people · 202211,387 by 2032 (+8.4%)

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

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

Hamilton Valley (postcode 2641) is a close-knit residential community in New South Wales within the Albury local government area. With a population of 834, the suburb has a mix of families and early-career residents with a median age of 33. Households earn a median income of $100K per year, with an average household size of 2.9 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.3% 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, clerical & administrative. Employment in the area leans toward healthcare and construction. The top ancestries reported are Australian, English, Irish.

Median house prices in Hamilton Valley stand at $591,000, having grown strongly by 6.5% over the last twelve months. The current median weekly rent is $480. This gives a gross rental yield of approximately 4.2%. The median monthly mortgage repayment is $1,590.

Public transport access includes 12 bus stops. The crime rate in the Albury LGA is moderate at 6,374 incidents per 100,000 population.

From an investment perspective, Hamilton Valley shows a gross rental yield of approximately 4.2%, rated as moderate yield. Property prices sit below the state median ($591K/$1.5M), which can point to relative value. The price-to-income ratio of 5.9x is considered affordable. House prices have moved +6.5% year-on-year. Population growth of +1.3% 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 Yield4.2%· Moderate Yield
Price vs State$591K/$1.5M Below Median
Affordability5.9x Affordable
Price Momentum+6.5% Rising
Pop. Growth+1.3%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,590
Rent · wk(Census)$345
Market rent · wk(2026-06)$480
Gross yield3.0%
Price / income5.9x
Sales vol (latest Q)(2025-Q4)5
Population growth · Albury LGAABS ERP
Population (2025)59,538
5-year growth+1.4% CAGR
YoY change+1.3%
20012025
Development · Albury LGAABS Approvals
Approvals (2026)377
Houses 86%Units 14%
YoY change+0%
Employment · Albury LGASALM
Unemployment (Dec-25)4.8%
YoY change+0.9pp
Dec-10Dec-25
Property investors · Postcode 2641ATO
Negatively geared2.8%
264 of filers
Avg rental loss$5,625/yr
Landlords (rental income)678
Reported capital gains480
People & prosperity
DemographicsCensus 21
Population834
Median age33
Household size2.9
HH income · wk$1,924
Personal income · wk$952
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)4/10
Economic (IER)7/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,472 → $1,924
Change+30.7%
vs NSW median+10.1 pp
Median rent+9.5%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops12
Hospitals · Albury LGAAIHW
Public2
Private4
Albury Wodonga Health [Albury Campus]public
Mercy Care Hospital - Alburypublic
Albury Day Surgeryprivate
Albury Wodonga Private Hospitalprivate
Insight Private Hospitalprivate
The Border Cancer Hospitalprivate
Aged care · Albury LGAGEN
Facilities8
Residential places561
Dellacourt122 places
Mercy Place Albury120 places
Estia Health Albury80 places
Borella House66 places
Murray Vale Shalem Hostel60 places
Yallaroo60 places
+2 more in Albury LGA
Childcare · Albury LGAACECQA
Services43
Approved places2,707
Exceeding NQS4
Albury Treetops Early Education, Care and Preschool129 places
AlburyCity - St Pats OOSH120 places
AlburyCity Trinity OOSH120 places
Guardian Childcare & Education Kinfolk Albury112 places
Albury Preschool100 places
GREEN LEAVES EARLY LEARNING ALBURY100 places
+37 more in Albury LGA
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Current status
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Sources & freshness
Strong evidence

Hamilton Valley 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-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 · 2026-06 · 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 · 12 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.

Hamilton Valley FAQ

Common questions
  1. What LGA is Hamilton Valley in?

    Hamilton Valley is in the Albury Local Government Area, NSW, postcode 2641. Council-level context for Albury LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Hamilton Valley?

    The current median house price in Hamilton Valley, NSW is $591K, 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 Hamilton Valley?

    The median weekly rent in Hamilton Valley is $480/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 Hamilton Valley?

    Rent-led investor candidate: Gross rent yield screens at about 4.2%. 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 Hamilton Valley a good investment?

    QuickProperty's investment signals for Hamilton Valley show: Moderate 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 Hamilton Valley?

    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 Hamilton Valley 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.