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Suburb profile ·Maitland LGA · NSW ·2320

Horseshoe Bend NSW 2320

Horseshoe Bend is in Maitland LGA, NSW, postcode 2320, with population 427.

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.

$630/wk
Rising
+3.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2320 · May 2026
$630
$600
Mar 2025May 2026
Why it fits

Population movement supports a growth-led read.

What to check

Small local population makes the signal set more fragile.

Median house
$750K
House median, latest period
4.5%YoY D4 vs AU
Median rent
$630/wk
Rent-led investor candidate
3.3%YoY D10 vs AU
Gross yield
4.4%
Moderate yield band
D10 vs AU
Population
100,439
100K via Maitland LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
8,247
599 added 12mo · 69MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+9.6%
5-yr
+10.3%
10-yr
+8.8%
Indicative cashflow-$243/wk (-$12,630/yr) · interest-only @ 6.2%, 80% LVR
Market turnover13.5% of homes traded/yr (24 sales)
Rent stabilitystable — rents vary ±1.5% around trend (short window, 15 pts)
Value vs advantage+35% 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).

Investor profile

Who invests in Horseshoe Bend

Owner-occupied 69%Rented 31%
Investor activityATO
Negatively geared5.5%
1,294 of 2,414 landlords
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
Investor exposure index(high vs national)90.5/100
The read

Owner-occupier stronghold

72% of homes here are owner-occupied and 32% rented, with 6% of landlords negatively geared.

Why it fits

72% 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

60%
of household income to service a new loan
14.0 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,597/mo vs median rent $2,730/mo (+32% · +$200/wk)

If rates move

At 4.0%: $2,864/mo (-733) · at 6.0% (current): $3,597/mo · at 8.0%: $4,403/mo (+805)

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
10.5x
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 $1,344/mo, while renters pay about $2,730/mo — renting runs $1,386/mo higher on these medians.

Median price
$750K
Household income · yr
$72K
Median rent · wk
$630
Owner mortgage · mo
$1,344
Gross yield
4.4%

Household income

$72K household · yr-13.1% vs NSW suburb median
Personal
$35K
Family
$92K
Household
$72K
Household income distribution (ABS Census 2021 · weekly)19% could service the median house
Under $300
0
$300-649
18
$650-999
24
$1,000-1,499
32
$1,500-1,999
12
$2,000-2,999
36
$3,000-3,999
13
$4,000+
7

Serviceability line: a household needs about $2,767/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 63% of households here would spend more than 30% of income on rent (rent stress line: $2,100/wk income).

Housing stock and tenure

Tenure (158 households)
Owned outright
32%
Owned with mortgage
39%
Rented
32%
Dwelling structure4.0% of dwellings unoccupied on census night
Separate house
89%
Townhouse / semi
8%
Flat / apartment
2%

Getting to work: 66% drive, 2% public transport, 3% walk or cycle, 19% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
4,187
4,266 per 100k
D6 vs AU

Crime

Rate · per 100k4,266
Total incidents4,187· April 2025 - March 2026
  • Assault1,10658%
  • Sexual Offences36119%
  • Robbery171%
  • Break And Enter42822%

Bushfire exposure

Severe exposure ~75.1%
~75.1% of the suburb is Bush Fire Prone Land

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 58% Residential 25% Public / Open space 10% Commercial / Mixed 2%
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

9,146 people · 202213,476 by 2032 (+47.3%)

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

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

Located in New South Wales within the Maitland local government area, Horseshoe Bend is a sparsely populated locality (postcode 2320). The area has roughly 427 residents and an established family demographic, with a median age of 40. Households earn a median income of $72K per year, with an average household size of 2.4 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +2.2% 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 technicians & trades, community & personal service, clerical & administrative. Employment in the area leans toward construction and healthcare. The top ancestries reported are Australian, English, Scottish.

Median house prices in Horseshoe Bend stand at $750,000, having risen by 4.5% over the last twelve months. The current median weekly rent is $630. This gives a gross rental yield of approximately 4.4%. The median monthly mortgage repayment is $1,344.

The crime rate in the Maitland LGA is moderate at 4,266 incidents per 100,000 population.

On the investment side, Gross rental yield sits at around 4.4% (moderate yield). Property prices sit below the state median ($750K/$1.5M), which can point to relative value. The price-to-income ratio of 10.5x is considered stretched. House prices have moved +4.5% year-on-year. Population growth of +2.2% year-on-year points to strong growth demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield4.4%· Moderate Yield
Price vs State$750K/$1.5M Below Median
Affordability10.5x Stretched
Price Momentum+4.5%· Stable
Pop. Growth+2.2% Strong Growth
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,344
Rent · wk(Census)$330
Market rent · wk(2026-05)$630
Gross yield2.3%
Price / income10.5x
Sales vol (latest Q)(2024-Q2)6
Population growth · Maitland LGAABS ERP
Population (2025)100,439
5-year growth+2.7% CAGR
YoY change+2.2%
20012025
Development · Maitland LGAABS Approvals
Approvals (2026)1,009
Houses 51%Units 49%
YoY change+0%
Employment · Maitland LGASALM
Unemployment (Dec-25)3.7%
YoY change+0.1pp
Dec-10Dec-25
Property investors · Postcode 2320ATO
Negatively geared5.5%
1,294 of filers
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
People & prosperity
DemographicsCensus 21
Population427
Median age40
Household size2.4
HH income · wk$1,375
Personal income · wk$673
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)1/10
Economic (IER)2/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$1,027 → $1,375
Change+33.9%
vs NSW median+13.3 pp
Median rent+10%
gentrifyingvs NSW 2016–21
Area & amenity
Hospitals · Maitland LGAAIHW
Public1
Private1
Maitland Hospitalpublic
Maitland Private Hospitalprivate
Aged care · Maitland LGAGEN
Facilities7
Residential places724
Green Hills Residential Care Service168 places
Rutherford Park Care Community144 places
RFBI Benhome Masonic Village124 places
Estia Health Aberglasslyn118 places
Maitland Grange Care Community80 places
Whiddon Largs49 places
+1 more in Maitland LGA
Childcare · Maitland LGAACECQA
Services75
Approved places5,893
Exceeding NQS11
Tillys Play and Education Centre - Rutherford174 places
St Nicholas Early Education Gillieston Heights144 places
St Nicholas Early Education Lochinvar144 places
Thornton Before and After School Care and Vacation Care140 places
Rutherford Before and After School Care and Vacation Care135 places
St Nicholas Early Education Chisholm134 places
+69 more in Maitland LGA
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Current status
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Sources & freshness
Strong evidence

Horseshoe Bend carries 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 · 2024-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 · 2026-05 · 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 · 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 · No matched local transport stops
medium stability · manual file · snapshot · mixed
Missing
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.

Horseshoe Bend FAQ

Common questions
  1. What LGA is Horseshoe Bend in?

    Horseshoe Bend is in the Maitland Local Government Area, NSW, postcode 2320. Council-level context for Maitland LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Horseshoe Bend?

    The current median house price in Horseshoe Bend, NSW is $750K, 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 Horseshoe Bend?

    The median weekly rent in Horseshoe Bend is $630/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 Horseshoe Bend?

    Rent-led investor candidate: Gross rent yield screens at about 4.4%. 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 Horseshoe Bend a good investment?

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

  6. Where does QuickProperty get its data for Horseshoe Bend?

    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 Horseshoe Bend 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.