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Suburb profile ·Shellharbour LGA · NSW ·2529

Shellharbour City Centre NSW 2529

Shellharbour City Centre is in Shellharbour LGA, NSW, postcode 2529, with population 457.

The read

Income-first

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.

$785/wk
Rising
+6.1% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2529 · May 2026
$790
$720
Mar 2025May 2026
Why it fits

Gross yield screens at about 5.4%. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
No local house series
Median rent
$785/wk
Rent-pressure candidate
6.1%YoY D10 vs AU
Gross yield
Need rent + price
Population
83,228
83K via Shellharbour LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
4,843
327 added 12mo · 33MW

Price history

Trend & investor depth

Market turnover10.5% of homes traded/yr (30 sales · +1% vs 3-yr avg)
Rent stabilitystable — rents vary ±2.1% around trend (short window, 15 pts)

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 Shellharbour City Centre

Owner-occupied 51%Rented 49%
Investor activityATO
Negatively geared7.6%
1,344 of 2,731 landlords
Avg rental loss$8,119/yr
Landlords (rental income)2,731
Reported capital gains1,437
Investor exposure index(moderate vs national)77.1/100
The read

Mixed owner-renter market

35% of homes here are owner-occupied and 33% rented, with 8% of landlords negatively geared.

Why it fits

A balanced 35% owner-occupier / 33% renter mix.

What to check

Social housing is 11% 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.

Affordability

Buying
15.4x
median home price as a multiple of annual household income
Stretched
Renting
83%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,798/mo, while renters pay about $3,402/mo — renting runs $1,604/mo higher on these medians.

Median price
$760K
Household income · yr
$49K
Median rent · wk
$785
Owner mortgage · mo
$1,798

Household income

$49K household · yr-40.1% vs NSW suburb median
Personal
$26K
Family
$68K
Household
$49K
Household income distribution (ABS Census 2021 · weekly)
Under $300
3
$300-649
55
$650-999
46
$1,000-1,499
34
$1,500-1,999
18
$2,000-2,999
20
$3,000-3,999
6
$4,000+
8

At the median asking rent, about 93% of households here would spend more than 30% of income on rent (rent stress line: $2,617/wk income).

Housing stock and tenure

Tenure (213 households)11.3% social housing
Owned outright
21%
Owned with mortgage
15%
Rented
33%
Dwelling structure6.3% of dwellings unoccupied on census night
Separate house
27%
Townhouse / semi
28%
Flat / apartment
44%

Getting to work: 64% drive, 0% public transport, 5% walk or cycle, 35% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
2,345
2,875 per 100k
D4 vs AU

Crime

Rate · per 100k2,875
Total incidents2,345· April 2025 - March 2026
  • Assault53354%
  • Sexual Offences22523%
  • Robbery101%
  • Break And Enter21422%

Bushfire exposure

Low exposure ~5.6%
~5.6% 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 Commercial Centre
Commercial / Mixed 44% Other 18% Residential 18% Public / Open space 8%
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

10,655 people · 202212,026 by 2032 (+12.9%)

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

Full data detail Census · ATO · ABS · state datasets
Shellharbour City Centre NSW — Property Data and Demographics

Shellharbour City Centre (postcode 2529) is a sparsely populated locality in New South Wales within the Shellharbour local government area. It is home to about 457 residents, with a more retirement-aged population and a median age of 71. Households earn a median income of $49K per year, with an average household size of 1.6 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.9% 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, community & personal service, clerical & administrative. Employment in the area leans toward healthcare and public admin & safety. The top ancestries reported are English, Australian, Irish.

Units have a median price of $760,000 (+5% YoY). The current median weekly rent is $785. This gives a gross rental yield of approximately 5.4%. The median monthly mortgage repayment is $1,798.

Public transport access includes 10 bus stops. The crime rate in the Shellharbour LGA is below average at 2,875 incidents per 100,000 population.

On the investment side, Gross rental yield sits at around 5.4% (high yield). Property prices sit below the state median ($760K/$1.5M), which can point to relative value. The price-to-income ratio of 15.4x is considered stretched. House prices have moved +5.0% year-on-year. Population growth of +1.9% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield5.4% High Yield
Price vs State$760K/$1.5M Below Median
Affordability15.4x Stretched
Price Momentum+5.0%· Stable
Pop. Growth+1.9%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,798
Rent · wk(Census)$400
Market rent · wk(2026-05)$785
Gross yield2.7%
Price / income15.4x
Sales vol (latest Q)(2025-Q4)7
Population growth · Shellharbour LGAABS ERP
Population (2025)83,228
5-year growth+2.1% CAGR
YoY change+1.9%
20012025
Development · Shellharbour LGAABS Approvals
Approvals (2026)562
Houses 67%Units 33%
YoY change+0%
Employment · Shellharbour LGASALM
Unemployment (Dec-25)6.8%
YoY change-0.2pp
Dec-10Dec-25
Property investors · Postcode 2529ATO
Negatively geared7.6%
1,344 of filers
Avg rental loss$8,119/yr
Landlords (rental income)2,731
Reported capital gains1,437
People & prosperity
DemographicsCensus 21
Population457
Median age71
Household size1.6
HH income · wk$949
Personal income · wk$506
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)4/10
Economic (IER)1/10
Disadvantage (IRSD)3/10
Income momentumCensus 16→21
HH income · wk$762 → $949
Change+24.5%
vs NSW median+3.9 pp
Median rent+270.4%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets4
Pharmacies1
GP / clinics0
Fuel stations1
Cafes & dining8
aldi1
coles1
woolworths2
TransportGTFS
Bus stops10
Hospitals · Shellharbour LGAAIHW
Public1
Private1
Shellharbour Hospitalpublic
Shellharbour Private Hospitalprivate
Aged care · Shellharbour LGAGEN
Facilities5
Residential places571
Warrigal Mount Terry151 places
Warrigal Care Albion Park Rail149 places
Warrigal Care Shell Cove131 places
Uniting Elanora Shellharbour100 places · in suburb
Warrigal Care Mt Warrigal40 places
Childcare · Shellharbour LGAACECQA
Services60
Approved places3,279
Exceeding NQS20
The Grove Academy - Shell Cove142 places
Little Zak's Academy Shellharbour138 places · in suburb
Junior Einsteins Nurturing Centre - Shell Heights125 places
MindChamps Early Learning @ Shellharbour120 places
CatholicCare OSHC- St Paul's Albion Park107 places
Little Peoples Early Learning Centre Oak Flats106 places
+54 more in Shellharbour LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Shellharbour City Centre 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 · 2025-Q4 · 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 · 10 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.

Shellharbour City Centre FAQ

Common questions
  1. What LGA is Shellharbour City Centre in?

    Shellharbour City Centre is in the Shellharbour Local Government Area, NSW, postcode 2529. Council-level context for Shellharbour LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the typical weekly rent in Shellharbour City Centre?

    The median weekly rent in Shellharbour City Centre is $785/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  3. What does the rent signal say about Shellharbour City Centre?

    Rent-pressure candidate: Shellharbour City Centre rents screen above the local benchmark. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  4. Is Shellharbour City Centre a good investment?

    QuickProperty's investment signals for Shellharbour City Centre show: High Yield, Below Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  5. Where does QuickProperty get its data for Shellharbour City Centre?

    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.

  6. How often is the Shellharbour City Centre 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.