UPPER FINE FLOWER
Investor score
48
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
$562,500
NSW VG · 2026
Rent yield
4.6%
computed from govt data
Annual growth
1.4%
annualised from govt data
Vacancy rate
1.5%
modelled estimate
AI insights for UPPER FINE FLOWER
Investment analysis, risks & comparisons
UPPER FINE FLOWER 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.
Median rent
$500/wk
NSW Fair Trading · Apr 2026
Demand change
+3.4%
annual shift
Yield × growth index
3.0
combined signal
Net yield (est.)
2.99%
after mgmt, rates, insurance, maintenance
5-yr growth (CAGR)
+6.4%
est. compound, long-run avg
10-yr growth (CAGR)
+5.0%
est. compound, long-run avg
Rental demand
52 / 100
Moderate demand
Supply pipeline
Est.0.7%
new dwellings approved / stock · Modelled estimate
Low supply pressure
5-year price history
Source: NSW VG · 2026 · all sources
Market overview
UPPER FINE FLOWER 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 4.6% 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 2022–23Median household income
$1,165/wk
$51k taxable p.a.
Renters
25.1%
71.4% owner-occupier
Median age
45.0 yrs
Unemployment
3.5%
Population growth
+1.4% p.a.
Investor-owned
12.0%
of all dwellings (ATO)
Houses
79%
3% apartments
Degree qualified
16.9%
bachelor's or higher (ABS)
Work from home
18.5%
of employed residents (ABS Census)
Median lot size
3.0 ha
Large block
Household size
2.6 persons
avg per dwelling (ABS Census)
Short-term rental
3.0%
Some Airbnb activity
Market activity
Distance to CBD
542.1 km
Regional
Days on market
43 days
Normal turnover
Auction clearance
30.4%
Buyer's market
Walkability
15 / 100
Car-dependent
Coastal proximity
15.5 km
Coastal fringe
NBN technology
SatelliteRemote — satellite connection
Population density
20/km²
Rural / semi-rural
Schools in postcode 2460
🏫Primary (12)
St Mary's Primary School
Catholic · Yrs K-6
St Joseph's Primary School
Catholic · Yrs K-6
Lawrence Public School
Government · Yrs K-6
Westlawn Public School
Government · Yrs K-6
Nymboida Public School
Government · Yrs K-6
Grafton Public School
Government · Yrs K-6
South Grafton Public School
Government · Yrs K-6
Copmanhurst Public School
Government · Yrs K-6
Coutts Crossing Public School
Government · Yrs K-6
Baryulgil Public School
Government · Yrs K-6
Cowper Public School
Government · Yrs K-6
Gillwinga Public School
Government · Yrs K-6
🎓Secondary (3)
McAuley Catholic College
Catholic · Yrs 7-12
Grafton High School
Government · Yrs 7-12
South Grafton High School
Government · Yrs 7-12
📚Combined (2)
Clarence Valley Anglican School
Independent · Yrs K-12
St Andrew's Christian School
Independent · Yrs K-12
⭐Special (1)
Induna School
Government · Yrs U
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
Safe0.1 offences / 100 persons
Source: NSW BOCSAR · 2024-25
School quality
Below average18 schools in postcode area
Source: ACARA My School 2025
Transit access
LimitedSource: State GTFS feeds
Gentrification signal
11
/ 100
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
Source: State GIS flood zone data
Bushfire risk
Source: CFA / RFS / DFES zone data
Storm risk
Coastal exposure + state climate
Live suburb intelligence
Fetching live data…Location
Properties in UPPER FINE FLOWER
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