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Suburb profile ·Dungog LGA · NSW ·2420

Main Creek NSW 2420

Main Creek is in Dungog LGA, NSW, postcode 2420, with population 95.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$600/wk
Rising
+33.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2420 · May 2026
$600
$415
Mar 2025May 2026
Why it fits

Recent price movement shows visible market momentum.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.3M
House median, latest period
134.2%YoY D8 vs AU
Median rent
$600/wk
Rent context available
33.3%YoY D10 vs AU
Gross yield
2.4%
Low yield band
D7 vs AU
Population
10,102
10K via Dungog LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
941
60 added 12mo · 6MW
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 · 2022

At / near its all-time high

Price growth (compound)% per year
3-yr
+41.9%
5-yr
+31.5%
Indicative cashflow-$790/wk (-$41,080/yr) · interest-only @ 6.2%, 80% LVR
Value vs advantage+65% vs suburbs of similar SEIFA advantage (decile 4)

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 Main Creek

Owner-occupied 78%Rented 22%
Investor activityATO
Negatively geared4.9%
114 of 324 landlords
Avg rental loss$6,444/yr
Landlords (rental income)324
Reported capital gains196
The read

Mixed owner-renter market

62% of homes here are owner-occupied and 18% rented, with 5% of landlords negatively geared.

Why it fits

A balanced 62% owner-occupier / 18% 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

103%
of household income to service a new loan
23.8 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $6,235/mo vs median rent $2,600/mo (+140% · +$839/wk)

If rates move

At 4.0%: $4,965/mo (-1,270) · at 6.0% (current): $6,235/mo · at 8.0%: $7,631/mo (+1,396)

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
17.9x
median home price as a multiple of annual household income
Stretched
Renting
43%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,867/mo, while renters pay about $2,600/mo — renting runs $733/mo higher on these medians.

Median price
$1.30M
Household income · yr
$73K
Median rent · wk
$600
Owner mortgage · mo
$1,867
Gross yield
2.4%

Household income

$73K household · yr-11.6% vs NSW suburb median
Personal
$35K
Family
$82K
Household
$73K
Household income distribution (ABS Census 2021 · weekly)0% could service the median house
Under $300
0
$300-649
8
$650-999
5
$1,000-1,499
6
$1,500-1,999
10
$2,000-2,999
8
$3,000-3,999
3
$4,000+
0

Serviceability line: a household needs about $4,796/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 73% of households here would spend more than 30% of income on rent (rent stress line: $2,000/wk income).

Housing stock and tenure

Tenure (45 households)
Owned outright
47%
Owned with mortgage
16%
Rented
18%
Dwelling structure8.9% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 58% drive, 0% public transport, 0% walk or cycle, 24% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
209
2,110 per 100k
D3 vs AU

Crime

Rate · per 100k2,110
Total incidents209· April 2025 - March 2026
  • Assault5859%
  • Sexual Offences1717%
  • Robbery00%
  • Break And Enter2323%

Bushfire exposure

Severe exposure ~97.8%
~97.8% of the suburb is Bush Fire Prone Land · ~80.9% 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 67% Public / Open space 32%

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

9,722 people · 202211,556 by 2032 (+18.9%)

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

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

Main Creek is a quiet locality in New South Wales within the Dungog local government area (postcode 2420). The area has roughly 95 residents and an older demographic, with a median age of 57. Households earn a median income of $73K per year, with an average household size of 2.3 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.9% 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, community & personal service, machinery operators & drivers. Employment in the area leans toward education and agriculture. The top ancestries reported are English, Australian, Scottish.

The median house price in Main Creek is $1.3 million, having climbed sharply by 134.2% over the past year. The current median weekly rent is $600. This gives a gross rental yield of approximately 2.4%. The median monthly mortgage repayment is $1,867.

Public transport access includes 4 bus stops. The crime rate in the Dungog LGA is below average at 2,110 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 2.4%, which reads as low yield. Property prices are near the state median ($1.3M/$1.5M). The price-to-income ratio of 17.9x is considered stretched. House prices have moved +134.2% year-on-year. Population growth of +1.9% 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 Yield2.4% Low Yield
Price vs State$1.3M/$1.5M· Near Median
Affordability17.9x Stretched
Price Momentum+134.2% Rising
Pop. Growth+1.9%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,867
Rent · wk(Census)$270
Market rent · wk(2026-05)$600
Gross yield1.1%
Price / income17.9x
Population growth · Dungog LGAABS ERP
Population (2025)10,102
5-year growth+1.3% CAGR
YoY change+1.9%
20012025
Development · Dungog LGAABS Approvals
Approvals (2026)47
Houses47
YoY change+0%
Employment · Dungog LGASALM
Unemployment (Dec-25)3.4%
YoY change+0pp
Dec-10Dec-25
Property investors · Postcode 2420ATO
Negatively geared4.9%
114 of filers
Avg rental loss$6,444/yr
Landlords (rental income)324
Reported capital gains196
People & prosperity
DemographicsCensus 21
Population95
Median age57
Household size2.3
HH income · wk$1,399
Personal income · wk$669
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)6/10
Economic (IER)5/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$959 → $1,399
Change+45.9%
vs NSW median+25.3 pp
Median rent+63.6%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops4
Hospitals · Dungog LGAAIHW
Public1
Private0
Dungog Hospitalpublic
Aged care · Dungog LGAGEN
Facilities1
Residential places65
Lara Aged Care65 places
Childcare · Dungog LGAACECQA
Services8
Approved places260
Exceeding NQS3
Joeys Pre-School & Early Learning Centre59 places
Thrive Kids Clarence Town OOSH44 places
Dungog Community Pre-School Kindergarten35 places
Paterson OOSH35 places
Hunter Mobile Preschool - Vacy OSHC30 places
Paterson Valley Community Pre-School27 places
+2 more in Dungog LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Main Creek 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 · 2022 · 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 · 4 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.
Sparse locality note

This page stays indexable because Main Creek is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches and hospital coverage.

The main gaps on this page are school matches and hospital coverage. That narrows how much confidence you should place on a single-page read.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Begin here, but pressure-test the read in compare, against the state hub, or a bigger nearby suburb before deciding.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

Read it as a direction-setter rather than a final answer: frame the locality, then verify with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Main Creek feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Glen William most similar
similar price band similar rent profile similar suburb scale

pop same · house +$192.5K · rent -$280/wk

Similar local read: useful for context, but still compare the actual market signals.

Glen Martin most similar
similar price band similar rent profile similar suburb scale

pop +100 · house +$50K · rent -$255/wk

Similar local read: useful for context, but still compare the actual market signals.

Fosterton most similar
similar rent profile similar suburb scale

pop same · house -$630K · rent -$340/wk

Similar local read: useful for context, but still compare the actual market signals.

Main Creek FAQ

Common questions
  1. What LGA is Main Creek in?

    Main Creek is in the Dungog Local Government Area, NSW, postcode 2420. Council-level context for Dungog LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Main Creek?

    The current median house price in Main Creek, NSW is $1.3M, 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 Main Creek?

    The median weekly rent in Main Creek is $600/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Main Creek?

    Rent context available: Main Creek 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 Main Creek a good investment?

    QuickProperty's investment signals for Main Creek 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 Main Creek?

    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 Main Creek 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.