Saratoga NSW

Postcode 2251 · Central Coast (NSW) LGA

Saratoga is a smaller suburb in New South Wales within the Central Coast (NSW) local government area (postcode 2251). With a population of 3,982, the suburb has an established demographic with a median age of 43. Households earn a median income of $103K per year, with an average household size of 2.7 people. The most common occupations are professionals, technicians & trades, managers. The top ancestries reported are English, Australian, Irish.

The median house price in Saratoga is $1.2 million, having dropped significantly 13% over the past year. Units have a median price of $1.0 million (+3.3% YoY). The current median weekly rent is $840. This gives a gross rental yield of approximately 3.7%. The median monthly mortgage repayment is $2,167.

Saratoga is served by 1 school, including 1 primary. The average ICSEA score is 1014, which is around the national average of 1,000. Public transport access includes 1 ferry wharf, 22 bus stops. The crime rate in the Central Coast (NSW) LGA is below average at 3,528 incidents per 100,000 population.

From an investment perspective, Saratoga offers a gross rental yield of 3.7%, rated as moderate yield. Property prices are near the state median ($1.2M/$1.5M). The price-to-income ratio of 11.4x is considered stretched. House prices have moved -13.0% year-on-year.

INVESTMENT SIGNALS
Rental Yield3.7% Moderate Yield
Price vs State$1.2M/$1.5M Near Median
Affordability11.4x Stretched
Price Momentum-13.0% Falling
INCOME (ATO 2022-23)
Median Income$55,781
Mean Income$71,944
Earners4,727
YoY Change+9%
SEIFA INDEX (ABS)
Advantage9/10
Education8/10
Economic9/10
Disadvantage9/10
MEDIAN HOUSE
$1.2M
-13% YoY
MEDIAN UNIT
$1.0M
3.3% YoY
MEDIAN RENT /WK
$485
POPULATION
3,982
DEMOGRAPHICS
Median Age43
Household Size2.7
HH Income /wk$1,989
Personal Income /wk$869
Mortgage /mth$2,167
CRIME (Central Coast (NSW) LGA)
Crime Rate (per 100k)3,528
Total Incidents12,518
TRANSPORT
Bus Stops22
Ferry Wharves1
Henderson Rd Opp Saratoga Veterans Hall Wharf
SCHOOLS (1)
Avg ICSEA1014
Total Students358
Government1
Brisbania Public SchoolPrimary · Government · ICSEA 1014
Data: 2026