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Suburb profile ·Maitland LGA · NSW ·2320

Windella NSW 2320

Windella is in Maitland LGA, NSW, postcode 2320, with population 845.

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.

$630/wk
Rising
+3.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2320 · May 2026
$630
$600
Mar 2025May 2026
Why it fits

Recent price movement shows visible market momentum. Population movement supports a growth-led read. Transport coverage adds a practical access signal.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.4M
House median, latest period
15.0%YoY D8 vs AU
Median rent
$630/wk
Rent context available
3.3%YoY D10 vs AU
Gross yield
2.4%
Low yield band
D7 vs AU
Population
845
845 local footprint
D8 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
8,247
599 added 12mo · 69MW
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
+0.2%
5-yr
+7.6%
10-yr
+8.8%
Indicative cashflow-$844/wk (-$43,878/yr) · interest-only @ 6.2%, 80% LVR
Market turnover7.8% of homes traded/yr (20 sales)
Rent stabilitystable — rents vary ±1.5% around trend (short window, 15 pts)
Value vs advantage-13% vs suburbs of similar SEIFA advantage (decile 10)

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

Dgrade · 22/100 · top 78% of 3,605AU suburbs
Peer distributionstronger than 22% of AU suburbs
WeakerTypicalStronger
Capital growth21
Rental yield29
Stability36
Volatility-13.4ppCycle-2.0

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 Windella

Owner-occupied 97%Rented 3%
Investor activityATO
Negatively geared5.5%
1,294 of 2,414 landlords
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
Investor exposure index(low vs national)30.6/100
The read

Owner-occupier stronghold

94% of homes here are owner-occupied and 3% rented, with 6% of landlords negatively geared.

Why it fits

94% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.4% 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

53%
of household income to service a new loan
12.3 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $6,619/mo vs median rent $2,730/mo (+142% · +$897/wk)

If rates move

At 4.0%: $5,271/mo (-1,348) · at 6.0% (current): $6,619/mo · at 8.0%: $8,101/mo (+1,482)

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
9.2x
median home price as a multiple of annual household income
Moderate
Renting
22%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,429/mo, while renters pay about $2,730/mo — renting runs $301/mo higher on these medians.

Median price
$1.38M
Household income · yr
$150K
Median rent · wk
$630
Owner mortgage · mo
$2,429
Gross yield
2.4%

Household income

$150K household · yr+82.3% vs NSW suburb median
Personal
$52K
Family
$145K
Household
$150K
Household income distribution (ABS Census 2021 · weekly)fewer than 29% could service the median house
Under $300
3
$300-649
9
$650-999
13
$1,000-1,499
24
$1,500-1,999
18
$2,000-2,999
40
$3,000-3,999
40
$4,000+
60

Serviceability line: a household needs about $5,092/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 34% of households here would spend more than 30% of income on rent (rent stress line: $2,100/wk income).

Housing stock and tenure

Tenure (253 households)
Owned outright
40%
Owned with mortgage
55%
Rented
3%
Dwelling structure4.2% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 68% drive, 0% public transport, 0% walk or cycle, 28% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

5/ 100 livability index

Top 95% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 5% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (5 stops)24
Schools & hospitals0

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
4,187
4,266 per 100k
D6 vs AU

Crime

Rate · per 100k4,266
Total incidents4,187· April 2025 - March 2026
  • Assault1,10658%
  • Sexual Offences36119%
  • Robbery171%
  • Break And Enter42822%

Bushfire exposure

High exposure ~54.8%
~54.8% of the suburb is Bush Fire Prone Land · ~11.3% 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 Large Lot Residential
Residential 66% Rural / Green wedge 30% Other 2% Public / Open space 1%
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

18,391 people · 202224,964 by 2032 (+35.7%)

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

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

Windella is a small locality in New South Wales within the Maitland local government area (postcode 2320). It is home to about 845 residents, with a settled mid-life population and a median age of 41. Households earn a median income of $150K per year, with an average household size of 3.3 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +2.2% 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 mining. The top ancestries reported are Australian, English, Scottish.

The median house price in Windella is $1.4 million, having climbed sharply by 15% over the past year. The current median weekly rent is $630. This gives a gross rental yield of approximately 2.4%. The median monthly mortgage repayment is $2,429.

Public transport access includes 5 bus stops. The crime rate in the Maitland LGA is moderate at 4,266 incidents per 100,000 population.

On the investment side, Windella shows a gross rental yield of approximately 2.4%, rated as low yield. Property prices are near the state median ($1.4M/$1.5M). The price-to-income ratio of 9.2x is considered moderate. House prices have moved +15.0% year-on-year. Population growth of +2.2% year-on-year points to strong growth demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield2.4% Low Yield
Price vs State$1.4M/$1.5M· Near Median
Affordability9.2x· Moderate
Price Momentum+15.0% Rising
Pop. Growth+2.2% Strong Growth
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,429
Rent · wk(Census)$400
Market rent · wk(2026-05)$630
Gross yield1.5%
Price / income9.2x
Sales vol (latest Q)(2024-Q2)5
Population growth · Maitland LGAABS ERP
Population (2025)100,439
5-year growth+2.7% CAGR
YoY change+2.2%
20012025
Development · Maitland LGAABS Approvals
Approvals (2026)1,009
Houses 51%Units 49%
YoY change+0%
Employment · Maitland LGASALM
Unemployment (Dec-25)3.7%
YoY change+0.1pp
Dec-10Dec-25
Property investors · Postcode 2320ATO
Negatively geared5.5%
1,294 of filers
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
People & prosperity
DemographicsCensus 21
Population845
Median age41
Household size3.3
HH income · wk$2,886
Personal income · wk$1,009
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)8/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,432 → $2,886
Change+18.7%
vs NSW median-1.9 pp
Median rent+0%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops5
Hospitals · Maitland LGAAIHW
Public1
Private1
Maitland Hospitalpublic
Maitland Private Hospitalprivate
Aged care · Maitland LGAGEN
Facilities7
Residential places724
Green Hills Residential Care Service168 places
Rutherford Park Care Community144 places
RFBI Benhome Masonic Village124 places
Estia Health Aberglasslyn118 places
Maitland Grange Care Community80 places
Whiddon Largs49 places
+1 more in Maitland LGA
Childcare · Maitland LGAACECQA
Services75
Approved places5,893
Exceeding NQS11
Tillys Play and Education Centre - Rutherford174 places
St Nicholas Early Education Gillieston Heights144 places
St Nicholas Early Education Lochinvar144 places
Thornton Before and After School Care and Vacation Care140 places
Rutherford Before and After School Care and Vacation Care135 places
St Nicholas Early Education Chisholm134 places
+69 more in Maitland LGA
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Current status
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Sources & freshness
Strong evidence

Windella 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 · 2024-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 · 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 · 5 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.

Windella FAQ

Common questions
  1. What LGA is Windella in?

    Windella is in the Maitland Local Government Area, NSW, postcode 2320. Council-level context for Maitland LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Windella?

    The current median house price in Windella, NSW is $1.4M, 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 Windella?

    The median weekly rent in Windella is $630/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Windella?

    Rent context available: Windella 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 Windella a good investment?

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

  6. Where does QuickProperty get its data for Windella?

    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 Windella 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.