Paynes Crossing NSW

Postcode 2325 · Cessnock LGA

Paynes Crossing is a quiet locality in New South Wales within the Cessnock local government area (postcode 2325). With a population of 50, the suburb has an older demographic with a median age of 61. Households earn a median income of $71K per year, with an average household size of 2.3 people. The most common occupations are managers, community & personal service, sales. The top ancestries reported are English, Australian, Irish.

The median house price in Paynes Crossing is $615,000, having surged 66.2% over the past year. The current median weekly rent is $550. This gives a gross rental yield of approximately 4.7%. The median monthly mortgage repayment is $1,992.

The crime rate in the Cessnock LGA is moderate at 4,766 incidents per 100,000 population.

From an investment perspective, Paynes Crossing offers a gross rental yield of 4.7%, rated as moderate yield. Property prices sit below the state median ($615K/$1.5M), suggesting a potential value opportunity. The price-to-income ratio of 8.6x is considered moderate. House prices have moved +66.2% year-on-year.

INVESTMENT SIGNALS
Rental Yield4.7% Moderate Yield
Price vs State$615K/$1.5M Below Median
Affordability8.6x Moderate
Price Momentum+66.2% Rising
SEIFA INDEX (ABS)
Advantage7/10
Education9/10
Economic5/10
Disadvantage8/10
MEDIAN HOUSE
$615K
66.2% YoY
MEDIAN RENT /WK
$330
POPULATION
50
DEMOGRAPHICS
Median Age61
Household Size2.3
HH Income /wk$1,374
Personal Income /wk$409
Mortgage /mth$1,992
CRIME (Cessnock LGA)
Crime Rate (per 100k)4,766
Total Incidents3,305
Data: 2025