NSW2529· Pop. 29,134Shellharbour

SHELL COVE

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

$1,030,000

NSW VG · 2026

Rent yield

3.8%

computed from govt data

Annual growth

-9.7%

annualised from govt data

Vacancy rate

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

$1550k

2022

$2075k

2023

$1790k

2024

$1595k

2025

$1140k

2026

$1030k

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

ICSEA 1052

Stella Maris Catholic Primary School

Catholic · Yrs K-6

ICSEA 1050

Shell Cove Public School

Government · Yrs K-6

ICSEA 1049

Flinders Public School

Government · Yrs K-6

ICSEA 1004

Shellharbour Public School

Government · Yrs K-6

ICSEA 999

Balarang Public School

Government · Yrs K-6

ICSEA 974

Oak Flats Public School

Government · Yrs P-6

ICSEA 959

🎓Secondary (2)

Corpus Christi Catholic High School

Catholic · Yrs 7-12

ICSEA 1045

Oak Flats High School

Government · Yrs 7-12

ICSEA 932

📚Combined (2)

Shellharbour Anglican College

Independent · Yrs K-12

ICSEA 1099

Illawarra Environmental Education Centre

Government

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

/ 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

Properties in SHELL COVE

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