NSW2529· Pop. 7,591Shellharbour

SHELL COVE

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

46

Liveability score

50

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

Real

$1,030,000

NSW VG · 2026

Rent yield

Real

3.8%

computed from govt data

Annual growth

Real

-9.7%

annualised from govt data

Vacancy rate

Est.

1.8%

modelled estimate

AI insights for SHELL COVE

Investment analysis, risks & comparisons

PREMIUM

SHELL COVE 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

+1.9%

annual shift

Yield × growth index

-2.9

combined signal

Net yield (est.)

3.69%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

-7.8%

est. compound, long-run avg

10-yr growth (CAGR)

+5.2%

est. compound, long-run avg

Rental demand

49 / 100

Moderate demand

Supply pipeline

Est.

0.8%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$745k
2021
$1.55m
2022
$2.08m
2023
$1.79m
2024
$1.59m
2025
$1.14m
2026
$1.03m

Source: NSW VG · 2026 · all sources

Market overview

SHELL COVE is a NSW suburb offering moderate rental yield and moderate 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 3.8% with stable tenant demand
  • Access to national transport network and amenities

Risk factors

  • High entry price may limit buyer pool
  • Below-average growth — limited capital appreciation signal
  • Subject to broader interest rate and economic conditions

Community profile

Source: ABS Census 2021 · ATO 2022–23

Median household income

$1,878/wk

$46k taxable p.a.

Renters

24.9%

72.3% owner-occupier

Median age

40.0 yrs

Unemployment

4.2%

Population growth

+1.0% p.a.

Investor-owned

16.0%

of all dwellings (ATO)

Houses

94%

1% apartments

Degree qualified

18.8%

bachelor's or higher (ABS)

Work from home

15.7%

of employed residents (ABS Census)

Median lot size

2.3 ha

Large block

Household size

2.7 persons

avg per dwelling (ABS Census)

Short-term rental

4.8%

Some Airbnb activity

Market activity

Distance to CBD

87.1 km

Regional

Days on market

47 days

Slower market

Auction clearance

25.9%

Buyer's market

Walkability

12 / 100

Car-dependent

Coastal proximity

19.3 km

Coastal fringe

NBN technology

Fixed Wireless

Regional — wireless tower

Population density

90/km²

Rural / semi-rural

Schools in postcode 2529

🏫7 Primary🎓2 Secondary📚2 Combined
ACARA 2025

🏫Primary (7)

Nazareth Catholic Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1052(69%)
413 students17:1 student–teacher48% girls22% top SEA quarter

Stella Maris Catholic Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1050(68%)
405 students15:1 student–teacher53% girls21% top SEA quarter

Shell Cove Public School

Government · Yrs K-6 · Major Cities

ICSEA 1049(68%)
463 students18:1 student–teacher48% girls25% top SEA quarter

Flinders Public School

Government · Yrs K-6 · Major Cities

ICSEA 1004(49%)
518 students17:1 student–teacher46% girls12% top SEA quarter

Shellharbour Public School

Government · Yrs K-6 · Major Cities

ICSEA 999(46%)
368 students17:1 student–teacher40% girls13% top SEA quarter

Balarang Public School

Government · Yrs K-6 · Major Cities

ICSEA 974(35%)
268 students17:1 student–teacher44% girls9% top SEA quarter

Oak Flats Public School

Government · Yrs P-6 · Major Cities

ICSEA 959(28%)
416 students17:1 student–teacher47% girls4% top SEA quarter

🎓Secondary (2)

Corpus Christi Catholic High School

Catholic · Yrs 7-12 · Major Cities

ICSEA 1045(66%)
1,126 students13:1 student–teacher49% girls20% top SEA quarter

Oak Flats High School

Government · Yrs 7-12 · Major Cities

ICSEA 932(19%)
648 students10:1 student–teacher48% girls2% top SEA quarter

📚Combined (2)

Shellharbour Anglican College

Independent · Yrs K-12 · Major Cities

ICSEA 1099(84%)
981 students14:1 student–teacher50% girls42% top SEA quarter

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

Average
1016ICSEA · national avg 1000

10 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent
9/ 100
🚆 0 train🚌 3 bus

Source: State GTFS feeds

Gentrification signal

11

/ 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

high

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

medium

Coastal exposure + state climate

Live suburb intelligence

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Location

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