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Suburb profile ·Wagga Wagga LGA · NSW ·2652

Ladysmith NSW 2652

Ladysmith is in Wagga Wagga LGA, NSW, postcode 2652, with population 339.

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.

$485/wk
Rising
+38.6% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2652 · Jun 2026
$500
$350
Jun 2025Jun 2026
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$579K
House median, latest period
19.4%YoY D3 vs AU
Median rent
$485/wk
Rent-led investor candidate
38.6%YoY D10 vs AU
Gross yield
4.4%
Moderate yield band
D10 vs AU
Population
69,108
69K via Wagga Wagga LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
1,097
55 added 12mo · 8MW
Price cycleRecovering
LowPeak

16.1% below peak · 191.0% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRecovering
Low · 2009Peak · 2022

16.1% below peak · 191.0% above its low

Price growth (compound)% per year
3-yr
-5.7%
5-yr
+11.4%
10-yr
+6.8%
Indicative cashflow-$206/wk (-$10,730/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-54% vs suburbs of similar SEIFA advantage (decile 8)

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 Ladysmith

Owner-occupied 89%Rented 11%
Investor activityATO
Negatively geared5.3%
163 of 404 landlords
Avg rental loss$8,170/yr
Landlords (rental income)404
Reported capital gains206
The read

Owner-occupier stronghold

88% of homes here are owner-occupied and 11% rented, with 5% of landlords negatively geared.

Why it fits

88% 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

37%
of household income to service a new loan
8.3 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,837/mo vs median rent $2,102/mo (+35% · +$170/wk)

If rates move

At 4.2%: $2,265/mo (-572) · at 6.2% (current): $2,837/mo · at 8.2%: $3,464/mo (+627)

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
6.2x
median home price as a multiple of annual household income
Moderate
Renting
27%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $2,102/mo — renting runs $802/mo higher on these medians.

Median price
$579K
Household income · yr
$93K
Median rent · wk
$485
Owner mortgage · mo
$1,300
Gross yield
4.4%

Household income

$93K household · yr+13.1% vs NSW suburb median
Personal
$46K
Family
$109K
Household
$93K
Household income distribution (ABS Census 2021 · weekly)35% could service the median house
Under $300
3
$300-649
11
$650-999
16
$1,000-1,499
16
$1,500-1,999
15
$2,000-2,999
28
$3,000-3,999
8
$4,000+
11

Serviceability line: a household needs about $2,182/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: $1,617/wk income).

Housing stock and tenure

Tenure (123 households)
Owned outright
42%
Owned with mortgage
46%
Rented
11%
Dwelling structure6.3% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 83% drive, 0% public transport, 4% walk or cycle, 10% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA987
Students33
Government1
  • Ladysmith Public SchoolPrimary · Government · ICSEA 987
Crime April 2025 - March 2026
3,748
5,436 per 100k
D7 vs AU

Crime

Rate · per 100k5,436
Total incidents3,748· April 2025 - March 2026
  • Assault86953%
  • Sexual Offences25516%
  • Robbery201%
  • Break And Enter49530%

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 99.2% 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 ~99.2%
~99.2% of the suburb is Bush Fire Prone Land · ~8.4% 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 99%

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

18,174 people · 202224,264 by 2032 (+33.5%)

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

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

Located in New South Wales within the Wagga Wagga local government area, Ladysmith is a quiet locality (postcode 2652). With a population of 339, the suburb has a settled mid-life population with a median age of 42. Households earn a median income of $93K per year, with an average household size of 2.7 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 technicians & trades, managers, labourers. Employment in the area leans toward education and retail trade. The top ancestries reported are Australian, English, Scottish.

Median house prices in Ladysmith stand at $579,000, having risen steeply by 19.4% over the last twelve months. The current median weekly rent is $485. This gives a gross rental yield of approximately 4.4%. The median monthly mortgage repayment is $1,300.

Ladysmith is served by 1 school, including 1 primary. The average ICSEA score is 987, which is around the national average of 1,000. Public transport access includes 8 bus stops. The crime rate in the Wagga Wagga LGA is moderate at 5,436 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 ($579K/$1.5M), which can point to relative value. The price-to-income ratio of 6.2x is considered moderate. House prices have moved +19.4% 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 Yield4.4%· Moderate Yield
Price vs State$579K/$1.5M Below Median
Affordability6.2x· Moderate
Price Momentum+19.4% Rising
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$265
Market rent · wk(2026-06)$485
Gross yield2.4%
Price / income6.2x
Sales vol (latest Q)(2007-Q3)5
Population growth · Wagga Wagga LGAABS ERP
Population (2025)69,108
5-year growth+0.5% CAGR
YoY change+0%
20012025
Development · Wagga Wagga LGAABS Approvals
Approvals (2026)454
Houses 68%Units 32%
YoY change+0%
Employment · Wagga Wagga LGASALM
Unemployment (Dec-25)3.6%
YoY change+0.3pp
Dec-10Dec-25
Property investors · Postcode 2652ATO
Negatively geared5.3%
163 of filers
Avg rental loss$8,170/yr
Landlords (rental income)404
Reported capital gains206
People & prosperity
DemographicsCensus 21
Population339
Median age42
Household size2.7
HH income · wk$1,791
Personal income · wk$887
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)4/10
Economic (IER)9/10
Disadvantage (IRSD)6/10
Income momentumCensus 16→21
HH income · wk$1,375 → $1,791
Change+30.3%
vs NSW median+9.7 pp
Median rent+12.8%
gentrifyingvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations1
Cafes & dining0
TransportGTFS
Bus stops8
Hospitals · Wagga Wagga LGAAIHW
Public1
Private3
Wagga Wagga Hospitalpublic
Calvary Health Care Riverinaprivate
Regional Imaging Cardiovascular Centreprivate
Riverina Day Surgeryprivate
Aged care · Wagga Wagga LGAGEN
Facilities9
Residential places674
Wagga Wagga Community Aged Care191 places
Catholic Healthcare The Haven Residential Aged Care120 places
Remembrance Village83 places
BaptistCare Caloola Centre80 places
Mary Potter Nursing Home80 places
Loreto Home of Compassion76 places
+3 more in Wagga Wagga LGA
Childcare · Wagga Wagga LGAACECQA
Services63
Approved places3,639
Exceeding NQS8
Inspire Early Learning Centre234 places
Gurwood Early Learning Centre132 places
Henschke Out of School Hours Care Incorporated121 places
Momentum Early Learning Gobbagombalin101 places
The After School Klub Wagga Wagga100 places
Wagga Wagga Christian College TheirCare100 places
+57 more in Wagga Wagga LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Ladysmith 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 · 2007-Q3 · 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 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 8 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.

Ladysmith FAQ

Common questions
  1. What LGA is Ladysmith in?

    Ladysmith is in the Wagga Wagga Local Government Area, NSW, postcode 2652. Council-level context for Wagga Wagga LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Ladysmith?

    The current median house price in Ladysmith, NSW is $579K, 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 Ladysmith?

    The median weekly rent in Ladysmith is $485/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 Ladysmith?

    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 Ladysmith a good investment?

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

  6. Where does QuickProperty get its data for Ladysmith?

    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 Ladysmith 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.