NSW2340· Pop. 189Liverpool Plains

TAMWORTH

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

44

Liveability score

37

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

$625,000

NSW VG · 2026

Rent yield

Real

4.0%

computed from govt data

Annual growth

Real

-10.1%

annualised from govt data

Vacancy rate

Est.

1.9%

modelled estimate

AI insights for TAMWORTH

Investment analysis, risks & comparisons

PREMIUM

TAMWORTH 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

$480/wk

NSW Fair Trading · Apr 2026

Demand change

+1.8%

annual shift

Yield × growth index

-3.0

combined signal

Net yield (est.)

3.95%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+9.6%

est. compound, long-run avg

10-yr growth (CAGR)

+3.7%

est. compound, long-run avg

Rental demand

43 / 100

Moderate demand

Supply pipeline

Est.

0.4%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$360k
2021
$395k
2022
$450k
2023
$497k
2024
$540k
2025
$695k
2026
$625k

Source: NSW VG · 2026 · all sources

Market overview

TAMWORTH 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 4.0% with stable tenant demand
  • Access to national transport network and amenities

Risk factors

  • 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

$1,468/wk

$41k taxable p.a.

Renters

33.5%

62.7% owner-occupier

Median age

38.0 yrs

Unemployment

4.4%

Population growth

+0.6% p.a.

Investor-owned

11.0%

of all dwellings (ATO)

Houses

86%

3% apartments

Degree qualified

30.5%

bachelor's or higher (ABS)

Work from home

14.4%

of employed residents (ABS Census)

Median lot size

1.9 ha

Large block

Household size

2.5 persons

avg per dwelling (ABS Census)

Short-term rental

1.5%

Mostly long-term tenants

Market activity

Distance to CBD

282.0 km

Regional

Days on market

72 days

Slower market

Auction clearance

30.5%

Buyer's market

Walkability

0 / 100

Car-dependent

Coastal proximity

187.4 km

Inland

NBN technology

Fixed Wireless

Regional — wireless tower

Population density

77/km²

Rural / semi-rural

Schools in postcode 2340

🏫17 Primary🎓5 Secondary📚2 Combined2 Special
ACARA 2025

🏫Primary (17)

St Nicholas' Primary School

Catholic · Yrs K-6 · Inner Regional

ICSEA 1042(65%)
586 students16:1 student–teacher48% girls26% top SEA quarter

Dungowan Public School

Government · Yrs K-6 · Outer Regional

ICSEA 1004(48%)
26 students10:1 student–teacher65% girls9% top SEA quarter

Timbumburi Public School

Government · Yrs K-6 · Outer Regional

ICSEA 1003(48%)
159 students15:1 student–teacher45% girls12% top SEA quarter

St Joseph's Primary School

Catholic · Yrs K-6 · Inner Regional

ICSEA 1003(48%)
185 students13:1 student–teacher48% girls11% top SEA quarter

Tamworth Public School

Government · Yrs K-6 · Inner Regional

ICSEA 997(46%)
891 students17:1 student–teacher46% girls20% top SEA quarter

Nemingha Public School

Government · Yrs K-6 · Inner Regional

ICSEA 996(45%)
193 students15:1 student–teacher39% girls14% top SEA quarter

Carroll Public School

Government · Yrs K-6 · Outer Regional

ICSEA 987(41%)
46 students17:1 student–teacher59% girls21% top SEA quarter

St Edward's Primary School

Catholic · Yrs K-6 · Inner Regional

ICSEA 956(27%)
525 students15:1 student–teacher47% girls7% top SEA quarter

Nundle Public School

Government · Yrs K-6 · Outer Regional

ICSEA 955(27%)
27 students9:1 student–teacher52% girls5% top SEA quarter

Tamworth West Public School

Government · Yrs K-6 · Inner Regional

ICSEA 908(13%)
370 students12:1 student–teacher42% girls5% top SEA quarter

Liberty College

Independent · Yrs K-6 · Inner Regional

ICSEA 897(10%)
63 students12:1 student–teacher35% girls8% top SEA quarter

Somerton Public School

Government · Yrs K-6 · Outer Regional

ICSEA 895(10%)
17 students10:1 student–teacher65% girls

Westdale Public School

Government · Yrs K-6 · Inner Regional

ICSEA 870(6%)
370 students13:1 student–teacher52% girls2% top SEA quarter

Oxley Vale Public School

Government · Yrs K-6 · Inner Regional

ICSEA 870(6%)
377 students15:1 student–teacher51% girls4% top SEA quarter

Woolomin Public School

Government · Yrs K-6 · Outer Regional

ICSEA 840(4%)
11 students6:1 student–teacher27% girls

Tamworth South Public School

Government · Yrs K-6 · Inner Regional

ICSEA 828(4%)
477 students14:1 student–teacher48% girls2% top SEA quarter

Hillvue Public School

Government · Yrs K-6 · Inner Regional

ICSEA 761(2%)
449 students12:1 student–teacher53% girls2% top SEA quarter

🎓Secondary (5)

Farrer Memorial Agricultural High School

Government · Yrs 7-12 · Inner Regional

ICSEA 1025(58%)
606 students12:1 student–teacher0% girls19% top SEA quarter

McCarthy Catholic College

Catholic · Yrs 7-12 · Inner Regional

ICSEA 991(42%)
935 students14:1 student–teacher57% girls10% top SEA quarter

Oxley High School

Government · Yrs 7-12 · Inner Regional

ICSEA 936(20%)
1,007 students13:1 student–teacher52% girls8% top SEA quarter

Tamworth High School

Government · Yrs 7-12 · Inner Regional

ICSEA 860(6%)
663 students10:1 student–teacher50% girls3% top SEA quarter

Peel High School

Government · Yrs 7-12 · Inner Regional

ICSEA 831(4%)
629 students10:1 student–teacher48% girls3% top SEA quarter

📚Combined (2)

Calrossy Anglican School

Independent · Yrs K-12 · Inner Regional

ICSEA 1079(78%)
1,033 students10:1 student–teacher60% girls38% top SEA quarter

Carinya Christian School Tamworth

Independent · Yrs K-12 · Inner Regional

ICSEA 1034(62%)
857 students13:1 student–teacher55% girls25% top SEA quarter

Special (2)

Bullimbal School

Government · Yrs U · Inner Regional

ICSEA 870(6%)
70 students5:1 student–teacher20% girls8% top SEA quarter

Parry School

Government · Yrs U · Inner Regional

ICSEA 753(2%)
20 students3:1 student–teacher40% girls1% 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
100/ 100

0.0 offences / 100 persons

Source: NSW BOCSAR · 2024-25

School quality

Below average
930ICSEA · national avg 1000

26 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent
8/ 100
🚆 0 train🚌 2 bus

Source: State GTFS feeds

Gentrification signal

22

/ 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

low

Source: State GIS flood zone data

🔥

Bushfire risk

high

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

none

Coastal exposure + state climate

Live suburb intelligence

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Location

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