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Suburb profile ·Armidale Regional LGA · NSW ·2350

Thalgarrah NSW 2350

Thalgarrah is in Armidale Regional LGA, NSW, postcode 2350, with population 166.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$470/wk
Rising
+10.6% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2350 · Jun 2026
$480
$392
Jun 2025Jun 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case.

Median house
$1.7M
House median, latest period
0.0%YoY D9 vs AU
Median rent
$470/wk
Rent context available
10.6%YoY D10 vs AU
Gross yield
1.4%
Low yield band
D3 vs AU
Population
166
166 local footprint
D5 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
5,084
408 added 12mo · 34MW

Price history

Trend & investor depth

Indicative cashflow-$1,321/wk (-$68,710/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitytypical — rents vary ±4.6% around trend (short window, 13 pts)
Value vs advantage+21% vs suburbs of similar SEIFA advantage (decile 9)

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 Thalgarrah

Owner-occupied 74%Rented 26%
Investor activityATO
Negatively geared4.4%
657 of 1,902 landlords
Avg rental loss$6,963/yr
Landlords (rental income)1,902
Reported capital gains1,551
The read

Mixed owner-renter market

67% of homes here are owner-occupied and 23% rented, with 4% of landlords negatively geared.

Why it fits

A balanced 67% owner-occupier / 23% renter mix.

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

Mortgage affordability

138%
of household income to service a new loan
31.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $8,330/mo vs median rent $2,037/mo (+309% · +$1452/wk)

If rates move

At 4.2%: $6,651/mo (-1,679) · at 6.2% (current): $8,330/mo · at 8.2%: $10,169/mo (+1,840)

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

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
23.4x
median home price as a multiple of annual household income
Stretched
Renting
34%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,517/mo, while renters pay about $2,037/mo — renting runs $520/mo higher on these medians.

Median price
$1.70M
Household income · yr
$73K
Median rent · wk
$470
Owner mortgage · mo
$1,517
Gross yield
1.4%

Household income

$73K household · yr-11.9% vs NSW suburb median
Personal
$38K
Family
$82K
Household
$73K
Household income distribution (ABS Census 2021 · weekly)fewer than 5% could service the median house
Under $300
5
$300-649
15
$650-999
12
$1,000-1,499
3
$1,500-1,999
12
$2,000-2,999
10
$3,000-3,999
5
$4,000+
3

Serviceability line: a household needs about $6,407/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 57% of households here would spend more than 30% of income on rent (rent stress line: $1,567/wk income).

Housing stock and tenure

Tenure (60 households)
Owned outright
47%
Owned with mortgage
20%
Rented
23%
Dwelling structure20.5% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 32% drive, 0% public transport, 6% walk or cycle, 54% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
1,693
5,711 per 100k
D7 vs AU

Crime

Rate · per 100k5,711
Total incidents1,693· April 2025 - March 2026
  • Assault47053%
  • Sexual Offences14416%
  • Robbery71%
  • Break And Enter26330%

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

Moderate broad-area context

About 34.6% 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

Moderate exposure ~34.6%
~34.6% of the suburb is Bush Fire Prone Land · ~21.1% 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 100%

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

4,553 people · 20224,698 by 2032 (+3.2%)

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

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

Thalgarrah (postcode 2350) is a sparsely populated locality in New South Wales within the Armidale Regional local government area. The area has roughly 166 residents and an established demographic, with a median age of 38. Households earn a median income of $73K per year, with an average household size of 2.8 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 managers, professionals, technicians & trades. Employment in the area leans toward agriculture and education. The top ancestries reported are English, Australian, Scottish.

Thalgarrah has a median house price of $1.7 million, holding roughly steady year-on-year. The current median weekly rent is $470. This gives a gross rental yield of approximately 1.4%. The median monthly mortgage repayment is $1,517.

Public transport access includes 18 bus stops. The crime rate in the Armidale Regional LGA is moderate at 5,711 incidents per 100,000 population.

Looking at the investment signals, Gross rental yield sits at around 1.4% (low yield). Property prices are near the state median ($1.7M/$1.5M). The price-to-income ratio of 23.4x is considered stretched. House prices have moved +0.0% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield1.4% Low Yield
Price vs State$1.7M/$1.5M· Near Median
Affordability23.4x Stretched
Price Momentum+0.0%· Stable
InvestmentNSW
Mortgage · mth$1,517
Rent · wk(Census)$150
Market rent · wk(2026-06)$470
Gross yield0.5%
Price / income23.4x
Property investors · Postcode 2350ATO
Negatively geared4.4%
657 of filers
Avg rental loss$6,963/yr
Landlords (rental income)1,902
Reported capital gains1,551
People & prosperity
DemographicsCensus 21
Population166
Median age38
Household size2.8
HH income · wk$1,395
Personal income · wk$731
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)9/10
Education (IEO)10/10
Economic (IER)6/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,428 → $1,395
Change-2.3%
vs NSW median-22.9 pp
Median rent+36.4%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops18
Hospitals · Armidale Regional LGAAIHW
Public2
Private1
Armidale Hospitalpublic
Guyra Multi Purpose Servicepublic
Armidale Private Hospitalprivate
Aged care · Armidale Regional LGAGEN
Facilities6
Residential places291
Bupa Armidale66 places
Uniting Autumn Lodge Butler Street64 places
RFBI Armidale Masonic Village62 places
Uniting Autumn Lodge Glass Street50 places
Kolora Aged Care32 places
Guyra Multi-Purpose Service17 places
Childcare · Armidale Regional LGAACECQA
Services23
Approved places1,142
Exceeding NQS6
Wholechild Early Learning Armidale128 places
LITTLE SAPLINGS EEC ARMIDALE PTY LTD113 places
Milestones Early Learning Armidale90 places
Minimbah Preschool and Primary School Aboriginal Corporation75 places
TG's Child Care - Armidale75 places
TG's Child Care - Kirkwood Street66 places
+17 more in Armidale Regional LGA
Shortlist workspace

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Current status
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Sources & freshness
Usable evidence

Thalgarrah is usable, but it still needs cross-checking.

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 · 2022 · 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 · 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 · 18 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.
Sparse locality note

This page stays indexable because Thalgarrah is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches, hospital coverage, population trend data, and building approvals.

The lighter areas here are school matches, hospital coverage, population trend data, and building approvals, so a single-page read should carry less weight than usual.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Start here for context, then open compare, the state hub, or larger nearby suburbs before treating this as a complete market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

This page is useful for direction-setting, not closure. Use it to frame the locality, then confirm the story with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Thalgarrah feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Castle Doyle most similar
similar rent profile similar suburb scale

pop same · house -$800K · rent -$220/wk

Similar local read: useful for context, but still compare the actual market signals.

Dangarsleigh most similar
similar rent profile similar suburb scale

pop same · house -$800K · rent -$220/wk

Similar local read: useful for context, but still compare the actual market signals.

Metz most similar
similar rent profile similar suburb scale

pop same · house -$850K · rent -$227/wk

Similar local read: useful for context, but still compare the actual market signals.

Thalgarrah FAQ

Common questions
  1. What LGA is Thalgarrah in?

    Thalgarrah is in the Armidale Regional Local Government Area, NSW, postcode 2350. Council-level context for Armidale Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Thalgarrah?

    The current median house price in Thalgarrah, NSW is $1.7M, 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 Thalgarrah?

    The median weekly rent in Thalgarrah is $470/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Thalgarrah?

    Rent context available: Thalgarrah 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 Thalgarrah a good investment?

    QuickProperty's investment signals for Thalgarrah show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Thalgarrah?

    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 Thalgarrah 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.