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Suburb profile ·Mid-Western Regional LGA · NSW ·2849

Rylstone NSW 2849

Rylstone is in Mid-Western Regional LGA, NSW, postcode 2849, with population 904.

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.

$450/wk
Jun 2025 → Jun 2026 · 10 periods
NSW Fair Trading · postcode 2849 · Jun 2026 · sparse signal
$820
$400
Jun 2025Jun 2026
Why it fits

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
$696K
House median, latest period
30.1%YoY D4 vs AU
Median rent
$450/wk
Rent context available
≈D10 vs AU
Gross yield
3.4%
Below investor band
D10 vs AU
Population
904
904 local footprint
D8 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
471
36 added 12mo · 4MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2007Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+9.9%
5-yr
+13.2%
10-yr
+8.0%
Indicative cashflow-$348/wk (-$18,085/yr) · interest-only @ 6.4%, 80% LVR
Market turnover7.0% of homes traded/yr (30 sales · +5% vs 3-yr avg)
Value vs advantage-1% 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 Rylstone

Owner-occupied 81%Rented 19%
Investor activityATO
Negatively geared7%
59 of 121 landlords
Avg rental loss$4,521/yr
Landlords (rental income)121
Reported capital gains68
Investor exposure index(moderate vs national)57.3/100
The read

Owner-occupier stronghold

75% of homes here are owner-occupied and 18% rented, with 7% of landlords negatively geared.

Why it fits

75% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.4% is thin — returns here lean on capital growth, not cash flow.

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

Mortgage affordability

71%
of household income to service a new loan
16.0 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,410/mo vs median rent $1,950/mo (+75% · +$337/wk)

If rates move

At 4.2%: $2,723/mo (-687) · at 6.2% (current): $3,410/mo · at 8.2%: $4,163/mo (+753)

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
12.0x
median home price as a multiple of annual household income
Stretched
Renting
40%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $1,950/mo — renting runs $650/mo higher on these medians.

Median price
$696K
Household income · yr
$58K
Median rent · wk
$450
Owner mortgage · mo
$1,300
Gross yield
3.4%

Household income

$58K household · yr-29.7% vs NSW suburb median
Personal
$30K
Family
$87K
Household
$58K
Household income distribution (ABS Census 2021 · weekly)16% could service the median house
Under $300
27
$300-649
86
$650-999
67
$1,000-1,499
45
$1,500-1,999
37
$2,000-2,999
68
$3,000-3,999
23
$4,000+
15

Serviceability line: a household needs about $2,623/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 61% of households here would spend more than 30% of income on rent (rent stress line: $1,500/wk income).

Housing stock and tenure

Tenure (393 households)2.5% social housing
Owned outright
48%
Owned with mortgage
27%
Rented
18%
Dwelling structure11.6% of dwellings unoccupied on census night
Separate house
96%
Townhouse / semi
2%
Flat / apartment
0%

Getting to work: 73% drive, 0% public transport, 5% walk or cycle, 16% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA989
Students99
Government1
  • Rylstone Public SchoolPrimary · Government · ICSEA 989

Livability

66/ 100 livability index

Top 34% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 66% of Australian suburbs
WeakerTypicalStronger
Everyday access58
Public transport (30 stops)68
Schools & hospitals56

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
890
3,395 per 100k
D5 vs AU

Crime

Rate · per 100k3,395
Total incidents890· April 2025 - March 2026
  • Assault26957%
  • Sexual Offences11925%
  • Robbery31%
  • Break And Enter7917%

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 89.5% 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 ~89.5%
~89.5% of the suburb is Bush Fire Prone Land · ~26.6% 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 61% Public / Open space 27% Residential 11%
Residential density: Low

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

3,366 people · 20223,331 by 2032 (-1.0%)

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

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

Rylstone is a small locality in New South Wales within the Mid-Western Regional local government area (postcode 2849). The area has roughly 904 residents and a settled, mature resident base, with a median age of 54. Households earn a median income of $58K per year, with an average household size of 2.1 people. 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, professionals. Employment in the area leans toward education and healthcare. The top ancestries reported are Australian, English, Irish.

The median house price in Rylstone is $696,000, having climbed sharply by 30.1% over the past year. The current median weekly rent is $450. This gives a gross rental yield of approximately 3.4%. The median monthly mortgage repayment is $1,300.

Rylstone is served by 1 school, including 1 primary. The average ICSEA score is 989, which is around the national average of 1,000. Public transport access includes 30 bus stops. Healthcare facilities include 1 public hospital. The crime rate in the Mid-Western Regional LGA is below average at 3,395 incidents per 100,000 population.

Looking at the investment signals, Rylstone shows a gross rental yield of approximately 3.4%, rated as moderate yield. Property prices sit below the state median ($696K/$1.5M), which can point to relative value. The price-to-income ratio of 12.0x is considered stretched. House prices have moved +30.1% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield3.4%· Moderate Yield
Price vs State$696K/$1.5M Below Median
Affordability12.0x Stretched
Price Momentum+30.1% Rising
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$280
Market rent · wk(2026-06)$450
Gross yield2.1%
Price / income12.0x
Sales vol (latest Q)(2024-Q3)9
Property investors · Postcode 2849ATO
Negatively geared7%
59 of filers
Avg rental loss$4,521/yr
Landlords (rental income)121
Reported capital gains68
People & prosperity
DemographicsCensus 21
Population904
Median age54
Household size2.1
HH income · wk$1,113
Personal income · wk$579
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)3/10
Education (IEO)3/10
Economic (IER)3/10
Disadvantage (IRSD)3/10
Income momentumCensus 16→21
HH income · wk$856 → $1,113
Change+30%
vs NSW median+9.4 pp
Median rent+27.3%
gentrifyingvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies0
GP / clinics0
Fuel stations2
Cafes & dining8
TransportGTFS
Bus stops30
Hospitals · Mid-Western Regional LGAAIHW
Public3
Private0
Gulgong Multi Purpose Servicepublic
Mudgee Health Servicepublic
Rylstone Multi Purpose Servicepublic · in suburb
Aged care · Mid-Western Regional LGAGEN
Facilities7
Residential places293
Kanandah Hostel96 places
Whiddon Mudgee Pioneer81 places
Mudgee Grove Care Community42 places
Wenonah Lodge25 places
Rylstone Multi-Purpose Service24 places · in suburb
Ada Cottage19 places
+1 more in Mid-Western Regional LGA
Childcare · Mid-Western Regional LGAACECQA
Services17
Approved places974
Exceeding NQS2
Mudgee Little Learners155 places
Kiddie Academy Mudgee152 places
Squeakers Childcare Centre69 places
Milestones Early Learning Mudgee63 places
Mudgee Community Preschool Incorporated60 places
PCYC - Out of School Hours Cudgegong60 places
+11 more in Mid-Western Regional LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Rylstone 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 · 2024-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 · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 30 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

Rylstone FAQ

Common questions
  1. What LGA is Rylstone in?

    Rylstone is in the Mid-Western Regional Local Government Area, NSW, postcode 2849. Council-level context for Mid-Western Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Rylstone?

    The current median house price in Rylstone, NSW is $696K, 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 Rylstone?

    The median weekly rent in Rylstone is $450/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Rylstone?

    Rent context available: Rylstone 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 Rylstone a good investment?

    QuickProperty's investment signals for Rylstone 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 Rylstone?

    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 Rylstone 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.