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Suburb profile ·Wagga Wagga LGA · NSW ·2650

Wagga Wagga NSW 2650

Wagga Wagga is in Wagga Wagga LGA, NSW, postcode 2650, with population 7,198.

The read

Livability-led

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.

$500/wk
Rising
+2.0% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2650 · May 2026
$560
$450
Mar 2025May 2026
Why it fits

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

Median house
$785K
House median, latest period
4.7%YoY D4 vs AU
Median rent
$500/wk
Income-stretched rent market
2.0%YoY D10 vs AU
Gross yield
3.3%
Below investor band
D9 vs AU
Population
7,198
7K local footprint
D10 vs AU
Schools
23
Matched school context
D10 vs AU
Solar
11,065
693 added 12mo · 76MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Houses to Q2'26 · Units to Q4'25 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+4.6%
5-yr
+8.5%
10-yr
+7.4%
Affordability trajectoryWorsening
Price
+12.5%/yr
Income
+3.2%/yr

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

Indicative cashflow-$374/wk (-$19,436/yr) · interest-only @ 6.2%, 80% LVR
Market turnover3.6% of homes traded/yr (135 sales · -32% vs 3-yr avg)
Rent stabilitytypical — rents vary ±4.1% around trend (short window, 15 pts)
Value vs advantage-0% vs suburbs of similar SEIFA advantage (decile 4)

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

Cgrade · 56/100 · top 44% of 3,605AU suburbs
Peer distributionstronger than 56% of AU suburbs
WeakerTypicalStronger
Capital growth34
Rental yield62
Stability80
Volatility-6.7ppCycle-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 Wagga Wagga

Owner-occupied 47%Rented 53%
Investor activityATO
Negatively geared5.2%
1,944 of 4,736 landlords
Avg rental loss$7,528/yr
Landlords (rental income)4,736
Reported capital gains3,018
Investor exposure index(moderate vs national)73.8/100
The read

Renter-heavy market

45% of homes here are owner-occupied and 51% rented, with 5% of landlords negatively geared.

What to check

51% rented — renter-heavy areas turn over faster and are more exposed to rate moves and investor sentiment. Gross yield 3.3% is thin for a rental-led market.

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

Mortgage affordability

64%
of household income to service a new loan
14.9 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,765/mo vs median rent $2,167/mo (+74% · +$369/wk)

If rates move

At 4.0%: $2,998/mo (-767) · at 6.0% (current): $3,765/mo · at 8.0%: $4,608/mo (+843)

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
11.1x
median home price as a multiple of annual household income
Stretched
Renting
37%
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 $2,167/mo — renting runs $650/mo higher on these medians.

Median price
$785K
Household income · yr
$70K
Median rent · wk
$500
Owner mortgage · mo
$1,517
Gross yield
3.3%

Household income

$70K household · yr-14.4% vs NSW suburb median
Personal
$43K
Family
$100K
Household
$70K
Household income distribution (ABS Census 2021 · weekly)16% could service the median house
Under $300
126
$300-649
564
$650-999
459
$1,000-1,499
573
$1,500-1,999
404
$2,000-2,999
535
$3,000-3,999
229
$4,000+
233

Serviceability line: a household needs about $2,896/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 60% of households here would spend more than 30% of income on rent (rent stress line: $1,667/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$52K → $59K

Housing stock and tenure

Tenure (3,297 households)4.4% social housing
Owned outright
27%
Owned with mortgage
17%
Rented
51%
Dwelling structure11.0% of dwellings unoccupied on census night
Separate house
54%
Townhouse / semi
21%
Flat / apartment
24%

Getting to work: 73% drive, 1% public transport, 14% walk or cycle, 9% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total23
Avg ICSEA973
Students8,239
Catholic3
Government15
Independent5
  • Saint Mary MacKillop Colleges LimitedCombined · Independent · ICSEA 1078
  • Shepherds Park SchoolSpecial · Government · ICSEA 870
  • Riverina Environmental Education CentreCombined · Government
  • Wagga Wagga Public SchoolPrimary · Government · ICSEA 1008
  • North Wagga Public SchoolPrimary · Government · ICSEA 999
  • South Wagga Public SchoolPrimary · Government · ICSEA 1027Zoned

1 of 23 schools here operate published enrolment zones (catchments). Zone boundaries set eligibility — check the official source for the exact catchment. Not enrolment advice.

Livability

97/ 100 livability index

Top 3% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 97% of Australian suburbs
WeakerTypicalStronger
Everyday access96
Public transport (52 stops)85
Schools & hospitals100

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 January 2025 - December 2025
3,693
5,374 per 100k
D7 vs AU

Crime

Rate · per 100k5,374
Total incidents3,693· January 2025 - December 2025
  • Assault90955%
  • Sexual Offences26116%
  • Robbery211%
  • Break And Enter44727%

Bushfire exposure

Moderate exposure ~24.7%
~24.7% of the suburb is Bush Fire Prone Land · ~5.7% 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 29% Public / Open space 20% Other 20% Commercial / Mixed 9% Industrial 5% Rural / Green wedge 3%
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

11,827 people · 202212,084 by 2032 (+2.2%)

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

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

Wagga Wagga (postcode 2650) is a medium-sized suburb in New South Wales within the Wagga Wagga local government area. With a population of 7,198, the suburb has a settled mid-life population with a median age of 38. Households earn a median income of $70K per year, with an average household size of 1.9 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.0% 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, technicians & trades, managers. Employment in the area leans toward healthcare and education. The top ancestries reported are English, Australian, Irish.

Wagga Wagga has a median house price of $785,000, which has moved higher by 4.7% year-on-year. Units have a median price of $455,000 (+5.5% YoY). The current median weekly rent is $500. This gives a gross rental yield of approximately 3.3%. The median monthly mortgage repayment is $1,517.

Wagga Wagga is served by 23 schools, including 12 primary, 3 secondary, 5 combined, 3 special. The average ICSEA score is 973, which is around the national average of 1,000. Public transport access includes 1 rail station, 51 bus stops. Healthcare facilities include 1 public and 3 private hospitals. The crime rate in the Wagga Wagga LGA is moderate at 5,374 incidents per 100,000 population.

On the investment side, Wagga Wagga shows a gross rental yield of approximately 3.3%, rated as moderate yield. Property prices sit below the state median ($785K/$1.5M), which can point to relative value. The price-to-income ratio of 11.1x is considered stretched. House prices have moved +4.7% year-on-year. Population growth of +0.0% 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 Yield3.3%· Moderate Yield
Price vs State$785K/$1.5M Below Median
Affordability11.1x Stretched
Price Momentum+4.7%· Stable
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,517
Rent · wk(Census)$295
Market rent · wk(2026-05)$500
Gross yield2.0%
Price / income11.1x
Sales vol (latest Q)(2026-Q2)8
Population growth · Wagga Wagga LGAABS ERP
Population (2025)69,108
5-year growth+0.5% CAGR
YoY change+0%
20012025
Development · Wagga Wagga LGAABS Approvals
Approvals (2026)416
Houses 68%Units 32%
YoY change+0%
Employment · Wagga Wagga LGASALM
Unemployment (Dec-25)3.6%
YoY change+0.3pp
Dec-10Dec-25
Property investors · Postcode 2650ATO
Negatively geared5.2%
1,944 of filers
Avg rental loss$7,528/yr
Landlords (rental income)4,736
Reported capital gains3,018
People & prosperity
DemographicsCensus 21
Population7,198
Median age38
Household size1.9
HH income · wk$1,355
Personal income · wk$819
Persons / bedroom0.8
IncomeATO 22-23
Median income$58,952
Mean income$66,724
Earners14,460
YoY change+4.1%
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)7/10
Economic (IER)1/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,195 → $1,355
Change+13.4%
vs NSW median-7.2 pp
Median rent+11.3%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets5
Pharmacies1
GP / clinics11
Fuel stations10
Cafes & dining25
aldi1
coles1
woolworths2
TransportGTFS
Rail stations1
Bus stops51
Wagga Wagga Station, Coach Bay 1
Hospitals · Wagga Wagga LGAAIHW
Public1
Private3
Wagga Wagga Hospitalpublic · in suburb
Calvary Health Care Riverinaprivate · in suburb
Regional Imaging Cardiovascular Centreprivate · in suburb
Riverina Day Surgeryprivate · in suburb
Aged care · Wagga Wagga LGAGEN
Facilities9
Residential places674
Wagga Wagga Community Aged Care191 places
Catholic Healthcare The Haven Residential Aged Care120 places
Remembrance Village83 places
BaptistCare Caloola Centre80 places
Mary Potter Nursing Home80 places · in suburb
Loreto Home of Compassion76 places
+3 more in Wagga Wagga LGA
Childcare · Wagga Wagga LGAACECQA
Services63
Approved places3,639
Exceeding NQS8
Inspire Early Learning Centre234 places · in suburb
Gurwood Early Learning Centre132 places · in suburb
Henschke Out of School Hours Care Incorporated121 places · in suburb
Momentum Early Learning Gobbagombalin101 places
The After School Klub Wagga Wagga100 places · in suburb
Wagga Wagga Christian College TheirCare100 places
+57 more in Wagga Wagga LGA
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Sources & freshness
Strong evidence

Wagga Wagga carries 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 · January 2025 - December 2025 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 23 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 4 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 52 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.

Wagga Wagga FAQ

Common questions
  1. What LGA is Wagga Wagga in?

    Wagga Wagga is in the Wagga Wagga Local Government Area, NSW, postcode 2650. Council-level context for Wagga Wagga LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Wagga Wagga?

    The current median house price in Wagga Wagga, NSW is $785K, 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 Wagga Wagga?

    The median weekly rent in Wagga Wagga is $500/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 Wagga Wagga?

    Income-stretched rent market: Weekly rent screens at about 44% 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 Wagga Wagga a good investment?

    QuickProperty's investment signals for Wagga Wagga 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 Wagga Wagga?

    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 Wagga Wagga 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.