NSW2289· Pop. 20,257Lake Macquarie

GARDEN SUBURB

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

Vacancy rate is a modelled estimate. Price, rent and annual growth use real government data (see source labels on each card). This is not financial advice. See full disclaimer.

Median price

$1,117,000

NSW VG · 2026

Rent yield

3.5%

computed from govt data

Annual growth

13.4%

annualised from govt data

Vacancy rate

1.6%

modelled estimate

AI insights for GARDEN SUBURB

Investment analysis, risks & comparisons

PREMIUM

GARDEN SUBURB shows strong investment fundamentals with above-average rental demand and a tightening supply pipeline. The gentrification index of 67/100 signals continued capital appreciation potential, particularly within 600m of the main retail and transit corridor.

Key risk: elevated auction clearance volatility over the past two quarters suggests shifting buyer sentiment. Net yield after typical holding costs sits at approximately 3.6%, below the state median of 4.1% — factor this into cash-flow modelling.

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Median price sourced from NSW VG · 2026 — real government transaction data. Growth, demand and vacancy figures remain modelled estimates.

Median rent

$750/wk

NSW Fair Trading · Apr 2026

Demand change

+1.3%

annual shift

Yield × growth index

8.4

combined signal

Net yield (est.)

3.22%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+10.6%

est. compound, long-run avg

10-yr growth (CAGR)

+6.8%

est. compound, long-run avg

Rental demand

45 / 100

Moderate demand

Supply pipeline

Est.

1.2%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020

$685k

2021

$675k

2022

$930k

2023

$900k

2024

$1088k

2025

$985k

2026

$1117k

Source: NSW VG · 2026 · all sources

Market overview

GARDEN SUBURB is a NSW suburb offering lower rental yield and strong price growth. The local economy supports a stable rental base, with ongoing demand from owner-occupiers and investors seeking value outside capital cities.

Highlights

Rental yield 3.5% with stable tenant demand
High annual growth of 13.4% — outperforming state average
Access to national transport network and amenities

Risk factors

High entry price may limit buyer pool
Subject to broader interest rate and economic conditions

Community profile

Source: ABS Census 2021 · ATO 2022–23

Median household income

$2,115/wk

$48k taxable p.a.

Renters

24.7%

73.5% owner-occupier

Median age

38.0 yrs

Unemployment

3.4%

Population growth

+1.1% p.a.

Investor-owned

15.0%

of all dwellings (ATO)

Houses

88%

5% apartments

Degree qualified

31.6%

bachelor's or higher (ABS)

Work from home

18.4%

of employed residents (ABS Census)

Median lot size

3.0 ha

Large block

Household size

2.7 persons

avg per dwelling (ABS Census)

Short-term rental

14.8%

Active STR market

Market activity

Distance to CBD

112.4 km

Regional

Days on market

75 days

Slower market

Auction clearance

33.6%

Buyer's market

Walkability

52 / 100

Very walkable

Coastal proximity

7.1 km

Near coast

NBN technology

FTTN

Standard — fibre to node

Population density

124/km²

Low density

Schools in postcode 2289

🏫6 Primary🎓2 Secondary⭐1 Special

ACARA 2025

🏫Primary (6)

St Columba's Primary School

Catholic · Yrs K-6

ICSEA 1107

St James' Primary School

Catholic · Yrs K-6

ICSEA 1104

Belair Public School

Government · Yrs K-6

ICSEA 1103

Adamstown Public School

Government · Yrs K-6

ICSEA 1078

Kotara South Public School

Government · Yrs K-6

ICSEA 1069

Garden Suburb Public School

Government · Yrs K-6

ICSEA 1045

🎓Secondary (2)

Trinity Catholic College

Catholic · Yrs 7-11

ICSEA 1090

Kotara High School

Government · Yrs 7-12

ICSEA 1066

⭐Special (1)

Kotara School

Government · Yrs U

ICSEA 816

ICSEA measures the socio-educational background of each school's student community — not academic results or school quality. National average = 1000. Source: ACARA My School 2025.

Liveability & safety

Safety index

Safe

95/ 100

0.6 offences / 100 persons

Source: NSW BOCSAR · 2024-25

School quality

Above average

1053ICSEA · national avg 1000

9 schools in postcode area

Source: ACARA My School 2025

Transit access

Good

44/ 100

🚆 0 train🚌 4 bus

Source: State GTFS feeds

Gentrification signal

/ 100

Stable / no signal

Established suburb with stable demographics. Consistent demand but lower gentrification upside.

Composite: education premium · youth cohort · rental activity · price gap · transit quality

Environmental risk

🌊

Flood risk

medium

Source: State GIS flood zone data

🔥

Bushfire risk

medium

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

medium

Coastal exposure + state climate

Live suburb intelligence

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Location

Properties in GARDEN SUBURB

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