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Suburb profile ·Maitland LGA · NSW ·2320

Oakhampton NSW 2320

Oakhampton is in Maitland LGA, NSW, postcode 2320, with population 165.

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.

$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

The page is thin enough that nearby alternatives should be checked before shortlisting. Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case.

Median house
$4.7M
House median, latest period
0.0%YoY D10 vs AU
Median rent
$630/wk
Rent context available
3.3%YoY D10 vs AU
Gross yield
0.7%
Low yield band
D1 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 history

Trend & investor depth

Indicative cashflow-$3,963/wk (-$206,070/yr) · interest-only @ 6.2%, 80% LVR
Rent stabilitystable — rents vary ±1.5% around trend (short window, 15 pts)
Value vs advantage+564% vs suburbs of similar SEIFA advantage (decile 3)

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 Oakhampton

Owner-occupied 89%Rented 11%
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
The read

Mixed owner-renter market

62% of homes here are owner-occupied and 7% rented, with 6% of landlords negatively geared.

Why it fits

A balanced 62% owner-occupier / 7% 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

458%
of household income to service a new loan
106.0 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $22,303/mo vs median rent $2,730/mo (+717% · +$4517/wk)

If rates move

At 4.0%: $17,760/mo (-4,543) · at 6.0% (current): $22,303/mo · at 8.0%: $27,296/mo (+4,993)

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

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
79.5x
median home price as a multiple of annual household income
Stretched
Renting
56%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,595/mo, while renters pay about $2,730/mo — renting runs $1,135/mo higher on these medians.

Median price
$4.65M
Household income · yr
$59K
Median rent · wk
$630
Owner mortgage · mo
$1,595
Gross yield
0.7%

Household income

$59K household · yr-28.9% vs NSW suburb median
Personal
$23K
Family
$92K
Household
$59K
Household income distribution (ABS Census 2021 · weekly)fewer than 7% could service the median house
Under $300
0
$300-649
22
$650-999
0
$1,000-1,499
9
$1,500-1,999
14
$2,000-2,999
4
$3,000-3,999
4
$4,000+
4

Serviceability line: a household needs about $17,156/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 79% of households here would spend more than 30% of income on rent (rent stress line: $2,100/wk income).

Housing stock and tenure

Tenure (55 households)
Owned outright
44%
Owned with mortgage
18%
Rented
7%
Dwelling structure6.8% of dwellings unoccupied on census night
Separate house
78%
Townhouse / semi
27%
Flat / apartment
0%

Getting to work: 80% drive, 0% public transport, 0% walk or cycle, 23% 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 ~97.8%
~97.8% 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 68% Residential 12% Public / Open space 12% Other 4%
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

18,391 people · 202224,964 by 2032 (+35.7%)

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

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

Oakhampton is a small, quiet locality in New South Wales within the Maitland local government area (postcode 2320). It is home to about 165 residents, with a predominantly older resident base and a median age of 68. Households earn a median income of $59K per year, with an average household size of 2 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 professionals, machinery operators & drivers, managers. Employment in the area leans toward manufacturing and education. The top ancestries reported are English, Australian, Irish.

Median house prices in Oakhampton sit at $4.7 million, little changed on a year ago. The current median weekly rent is $630. This gives a gross rental yield of approximately 0.7%. The median monthly mortgage repayment is $1,595.

Public transport access includes 4 bus stops. The crime rate in the Maitland LGA is moderate at 4,266 incidents per 100,000 population.

From an investment perspective, Oakhampton shows a gross rental yield of approximately 0.7%, rated as low yield. Property prices are above the state median ($4.7M/$1.5M), placing it in the premium segment. The price-to-income ratio of 79.5x is considered stretched. House prices have moved +0.0% 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 Yield0.7% Low Yield
Price vs State$4.7M/$1.5M Above Median
Affordability79.5x Stretched
Price Momentum+0.0%· Stable
Pop. Growth+2.2% Strong Growth
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,595
Rent · wk(Census)$325
Market rent · wk(2026-05)$630
Gross yield0.4%
Price / income79.5x
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
Population165
Median age68
Household size2
HH income · wk$1,125
Personal income · wk$435
Persons / bedroom0.6
SEIFA indexABS
Advantage (IRSAD)3/10
Education (IEO)5/10
Economic (IER)4/10
Disadvantage (IRSD)4/10
Income momentumCensus 16→21
HH income · wk$1,062 → $1,125
Change+5.9%
vs NSW median-14.7 pp
Median rent+62.5%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops4
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
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Oakhampton 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 · 2025 · 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 Oakhampton 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 lighter areas here are school matches and hospital coverage, so a single-page read should carry less weight than usual.

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

Start here for context, then open compare, the state hub, or larger nearby suburbs before treating this as a complete market decision.

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

Use this page to set direction, not to close a decision — frame the locality here, then confirm with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

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

Berry Park most similar
similar rent profile similar suburb scale

pop same · house -$2650K · rent -$323/wk

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

Oakhampton Heights most similar
similar rent profile similar suburb scale

pop same · house -$3790K · rent -$310/wk

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

Luskintyre most similar
similar rent profile similar suburb scale

pop +100 · house -$3300K · rent -$240/wk

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

Oakhampton FAQ

Common questions
  1. What LGA is Oakhampton in?

    Oakhampton 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 Oakhampton?

    The current median house price in Oakhampton, NSW is $4.7M, 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 Oakhampton?

    The median weekly rent in Oakhampton is $630/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Oakhampton?

    Rent context available: Oakhampton 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 Oakhampton a good investment?

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

  6. Where does QuickProperty get its data for Oakhampton?

    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 Oakhampton 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.