Skip to content
Suburb profile ·Maitland LGA · NSW ·2320

Rutherford NSW 2320

Rutherford is in Maitland LGA, NSW, postcode 2320, with population 13,091.

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. School coverage gives the page a stronger family/livability signal. Transport coverage adds a practical access signal.

Median house
$780K
House median, latest period
6.8%YoY D4 vs AU
Median rent
$630/wk
Income-stretched rent market
3.3%YoY D10 vs AU
Gross yield
4.2%
Moderate yield band
D10 vs AU
Population
13,091
13K local footprint
D10 vs AU
Schools
3
Matched school context
D9 vs AU
Drive to city
2h 11m
165.5 km to Sydney CBD · free-flow
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 · 2005Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+7.2%
5-yr
+7.8%
10-yr
+8.5%
Affordability trajectoryWorsening
Price
+11.9%/yr
Income
+3.8%/yr

Growth in median price vs median household income — worsening — prices outgrowing incomes.

Indicative cashflow-$271/wk (-$14,118/yr) · interest-only @ 6.2%, 80% LVR
Market turnover3.4% of homes traded/yr (173 sales · -36% vs 3-yr avg)
Rent stabilitystable — rents vary ±1.5% around trend (short window, 15 pts)
Value vs advantage+25% vs suburbs of similar SEIFA advantage (decile 2)

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).

Investment grade

Bgrade · 74/100 · top 26% of 3,605AU suburbs
Peer distributionstronger than 74% of AU suburbs
WeakerTypicalStronger
Capital growth40
Rental yield82
Stability78
Volatility-6.9ppCycle-2.0Affordability-1.5

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Rutherford

Owner-occupied 64%Rented 36%
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(moderate vs national)61.5/100
The read

Mixed owner-renter market

60% of homes here are owner-occupied and 34% rented, with 6% of landlords negatively geared.

Why it fits

A balanced 60% owner-occupier / 34% renter mix.

What to check

Social housing is 8% of dwellings — check tenant mix and resale demand.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

59%
of household income to service a new loan
13.6 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,741/mo vs median rent $2,730/mo (+37% · +$233/wk)

If rates move

At 4.0%: $2,979/mo (-762) · at 6.0% (current): $3,741/mo · at 8.0%: $4,579/mo (+837)

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
10.2x
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 $1,733/mo, while renters pay about $2,730/mo — renting runs $997/mo higher on these medians.

Median price
$780K
Household income · yr
$77K
Median rent · wk
$630
Owner mortgage · mo
$1,733
Gross yield
4.2%

Household income

$77K household · yr-6.8% vs NSW suburb median
Personal
$37K
Family
$92K
Household
$77K
Household income distribution (ABS Census 2021 · weekly)15% could service the median house
Under $300
123
$300-649
688
$650-999
708
$1,000-1,499
747
$1,500-1,999
616
$2,000-2,999
993
$3,000-3,999
382
$4,000+
218

Serviceability line: a household needs about $2,878/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 67% of households here would spend more than 30% of income on rent (rent stress line: $2,100/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$53K → $61K

Housing stock and tenure

Tenure (4,834 households)8.2% social housing
Owned outright
24%
Owned with mortgage
36%
Rented
34%
Dwelling structure4.5% of dwellings unoccupied on census night
Separate house
87%
Townhouse / semi
11%
Flat / apartment
2%

Getting to work: 81% drive, 1% public transport, 2% walk or cycle, 13% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total3
Avg ICSEA950
Students2,782
Catholic1
Government2
  • Rutherford Public SchoolPrimary · Government · ICSEA 933
  • Rutherford Technology High SchoolSecondary · Government · ICSEA 922
  • St Paul's Primary SchoolPrimary · Catholic · ICSEA 996

Livability

93/ 100 livability index

Top 7% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 93% of Australian suburbs
WeakerTypicalStronger
Everyday access91
Public transport (120 stops)98
Schools & hospitals71

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

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

Moderate exposure ~31.6%
~31.6% of the suburb is Bush Fire Prone Land · ~7.4% 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 General Residential
Residential 37% Other 28% Public / Open space 18% Industrial 11% Commercial / Mixed 1% Rural / Green wedge 1%
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

8,398 people · 20229,075 by 2032 (+8.1%)

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

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

Rutherford is an established suburb in New South Wales within the Maitland local government area (postcode 2320). With a population of 13,091, the suburb has a blend of families and working-age professionals with a median age of 35. Households earn a median income of $77K per year, with an average household size of 2.6 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, labourers. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are Australian, English, Scottish.

Rutherford has a median house price of $780,000, which has risen solidly by 6.8% year-on-year. Units have a median price of $590,000 (+6.3% YoY). The current median weekly rent is $630. This gives a gross rental yield of approximately 4.2%. The median monthly mortgage repayment is $1,733.

Rutherford is served by 3 schools, including 2 primary, 1 secondary. The average ICSEA score is 950, which is around the national average of 1,000. Public transport access includes 120 bus stops. The crime rate in the Maitland LGA is moderate at 4,266 incidents per 100,000 population.

On the investment side, Rutherford shows a gross rental yield of approximately 4.2%, rated as moderate yield. Property prices sit below the state median ($780K/$1.5M), which can point to relative value. The price-to-income ratio of 10.2x is considered stretched. House prices have moved +6.8% 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 Yield4.2%· Moderate Yield
Price vs State$780K/$1.5M Below Median
Affordability10.2x Stretched
Price Momentum+6.8% Rising
Pop. Growth+2.2% Strong Growth
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,733
Rent · wk(Census)$360
Market rent · wk(2026-05)$630
Gross yield2.4%
Price / income10.2x
Sales vol (latest Q)(2026-Q2)29
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
Population13,091
Median age35
Household size2.6
HH income · wk$1,475
Personal income · wk$711
Persons / bedroom0.8
IncomeATO 22-23
Median income$61,055
Mean income$72,662
Earners11,358
YoY change+8.2%
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)1/10
Economic (IER)3/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$1,202 → $1,475
Change+22.7%
vs NSW median+2.1 pp
Median rent+16.1%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets3
Pharmacies2
GP / clinics4
Fuel stations8
Cafes & dining18
aldi1
coles1
woolworths1
TransportGTFS
Bus stops120
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 · in suburb
RFBI Benhome Masonic Village124 places
Estia Health Aberglasslyn118 places
Maitland Grange Care Community80 places · in suburb
Whiddon Largs49 places
+1 more in Maitland LGA
Childcare · Maitland LGAACECQA
Services75
Approved places5,893
Exceeding NQS11
Tillys Play and Education Centre - Rutherford174 places · in suburb
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 · in suburb
St Nicholas Early Education Chisholm134 places
+69 more in Maitland LGA
Shortlist workspace

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

Current status
Add Rutherford if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Strong evidence

Rutherford 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 · 2026-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 · 3 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 · 120 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.

Rutherford FAQ

Common questions
  1. What LGA is Rutherford in?

    Rutherford 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 Rutherford?

    The current median house price in Rutherford, NSW is $780K, 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 Rutherford?

    The median weekly rent in Rutherford is $630/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Rutherford?

    Income-stretched rent market: Weekly rent screens at about 54% of annual income. 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 Rutherford a good investment?

    QuickProperty's investment signals for Rutherford 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 Rutherford?

    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 Rutherford 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.