NSW2420· Pop. 4,016Dungog

UPPER CHICHESTER

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

$825,000

NSW VG · 2026

Rent yield

3.5%

computed from govt data

Annual growth

-3.2%

annualised from govt data

Vacancy rate

2.0%

modelled estimate

AI insights for UPPER CHICHESTER

Investment analysis, risks & comparisons

PREMIUM

UPPER CHICHESTER 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

$550/wk

NSW Fair Trading · Apr 2026

Demand change

+4.1%

annual shift

Yield × growth index

0.1

combined signal

Net yield (est.)

4.22%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+11.8%

est. compound, long-run avg

10-yr growth (CAGR)

+4.8%

est. compound, long-run avg

Rental demand

54 / 100

Moderate demand

Supply pipeline

Est.

0.7%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020

$440k

2021

$473k

2022

$615k

2023

$725k

2024

$610k

2025

$853k

2026

$825k

Source: NSW VG · 2026 · all sources

Market overview

UPPER CHICHESTER is a NSW suburb offering lower 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 3.5% 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

$1,235/wk

$51k taxable p.a.

Renters

20.2%

75.0% owner-occupier

Median age

50.0 yrs

Unemployment

5.3%

Population growth

+1.3% p.a.

Investor-owned

14.0%

of all dwellings (ATO)

Houses

86%

4% apartments

Degree qualified

14.2%

bachelor's or higher (ABS)

Work from home

15.8%

of employed residents (ABS Census)

Median lot size

2.3 ha

Large block

Household size

2.6 persons

avg per dwelling (ABS Census)

Short-term rental

0.8%

Mostly long-term tenants

Market activity

Distance to CBD

186.5 km

Regional

Days on market

36 days

Normal turnover

Auction clearance

31.1%

Buyer's market

Walkability

12 / 100

Car-dependent

Coastal proximity

77.1 km

Inland

NBN technology

FTTN

Standard — fibre to node

Population density

50/km²

Rural / semi-rural

Schools in postcode 2420

🏫3 Primary🎓1 Secondary

ACARA 2025

🏫Primary (3)

St Joseph's Primary School

Catholic · Yrs K-6

ICSEA 986

Dungog Public School

Government · Yrs K-6

ICSEA 914

Martins Creek Public School

Government · Yrs K-6

🎓Secondary (1)

Dungog High School

Government · Yrs 7-12

ICSEA 937

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

946ICSEA · national avg 1000

3 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent

15/ 100

🚆 0 train🚌 5 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

high

Source: State GIS flood zone data

🔥

Bushfire risk

high

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

low

Coastal exposure + state climate

Live suburb intelligence

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Location

Properties in UPPER CHICHESTER

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