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Suburb profile ·Kempsey LGA · NSW ·2440

Hat Head NSW 2440

Hat Head is in Kempsey LGA, NSW, postcode 2440, with population 365.

The read

Growth-momentum

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$460/wk
+5.0% YoY
Mar 2025 → Apr 2026 · 14 periods
NSW Fair Trading · postcode 2440 · Apr 2026
$500
$412
Mar 2025Apr 2026
Why it fits

Recent price movement shows visible market momentum.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.1M
House median, latest period
24.3%YoY D7 vs AU
Median rent
$460/wk
Rent context available
5.0%YoY D10 vs AU
Gross yield
2.2%
Low yield band
D6 vs AU
Population
31,950
32K via Kempsey LGA · SAL undercount
Schools
No matched school data
Solar
4,749
201 added 12mo · 30MW

Price history

HousesUnits

Trend & investor depth

Cycle positionAt its peak
Low · 2013Peak · 2025

At / near its all-time high

Price growth (compound)3-yr +4.0%/yr · 5-yr +7.8%/yr · 10-yr +8.6%/yr
Indicative cashflow-$659/wk (-$34,276/yr) · interest-only @ 6.1%, 80% LVR

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection.

Affordability

Buying
20.8x
median home price as a multiple of annual household income
Stretched
Renting
46%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,860/mo, while renters pay about $1,993/mo — renting runs $133/mo higher on these medians.

Median price
$1.07M
Household income · yr
$51K
Median rent · wk
$460
Owner mortgage · mo
$1,860
Gross yield
2.2%

Household income

$51K household · yr-37.5% vs NSW suburb median
Personal
$29K
Family
$73K
Household
$51K
Crime January 2025 - December 2025
2,282
7,255 per 100k
D8 vs AU

Crime

Rate · per 100k7,255
Total incidents2,282· January 2025 - December 2025
  • Assault58354%
  • Sexual Offences13112%
  • Robbery81%
  • Break And Enter34833%

Full data detail

Hat Head NSW — Property Data and Demographics

Hat Head is a quiet locality in New South Wales within the Kempsey local government area (postcode 2440). With a population of 365, the suburb has an older demographic with a median age of 60. Households earn a median income of $51K per year, with an average household size of 2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.4% year-on-year at the LGA level. NSW employment has moved +0.3% year-on-year in the official Jobs and Skills Australia NERO series, which provides the broader jobs backdrop for this suburb. NSW also had 37 Commonwealth-backed major projects under construction, 5 underway, and 75 in planning as at 2 October 2024, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are professionals, technicians & trades, community & personal service. Employment in the area leans toward healthcare and education. The top ancestries reported are English, Australian, Irish.

The median house price in Hat Head is $1.1 million, having jumped by 24.3% over the past year. The current median weekly rent is $460. This gives a gross rental yield of approximately 2.2%. The median monthly mortgage repayment is $1,860.

Public transport access includes 2 bus stops. The crime rate in the Kempsey LGA is moderate at 7,255 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 2.2% (low yield). Property prices are near the state median ($1.1M/$1.5M). The price-to-income ratio of 20.8x is considered stretched. House prices have moved +24.3% year-on-year. Population growth of +0.4% 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 Yield2.2% Low Yield
Price vs State$1.1M/$1.5M· Near Median
Affordability20.8x Stretched
Price Momentum+24.3% Rising
Pop. Growth+0.4%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,860
Rent · wk(Census)$275
Market rent · wk(2026-04)$460
Gross yield1.3%
Price / income20.8x
Sales vol (latest Q)(2016-Q2)6
Population growth · Kempsey LGAABS ERP
Population (2025)31,950
5-year growth+0.9% CAGR
YoY change+0.4%
20012025
Development · Kempsey LGAABS Approvals
Approvals (2026)80
Houses59
Units21
YoY change+0%
Employment · Kempsey LGASALM
Unemployment (Dec-25)5.9%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 2440ATO
Negatively geared496 (4.4% of filers)
Avg rental loss$6,003/yr
Landlords (rental income)1,320
Reported capital gains620
People & prosperity
DemographicsCensus 21
Population365
Median age60
Household size2
HH income · wk$990
Personal income · wk$562
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)3/10
Education (IEO)4/10
Economic (IER)2/10
Disadvantage (IRSD)3/10
Area & amenity
TransportGTFS
Bus stops2
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Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Hat Head 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 · 2016-Q2 · 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 · 2026-04 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · January 2025 - December 2025 · 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 · 2 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.

Hat Head FAQ

Common questions
  1. What LGA is Hat Head in?

    Hat Head is in the Kempsey Local Government Area, NSW, postcode 2440. Council-level context for Kempsey LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Hat Head?

    The current median house price in Hat Head, NSW is $1.1M, 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 Hat Head?

    The median weekly rent in Hat Head is $460/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Hat Head?

    Rent context available: Hat Head 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 Hat Head a good investment?

    QuickProperty's investment signals for Hat Head 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 Hat Head?

    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 Hat Head 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.