NSW2259· Pop. 66,236Cessnock

LAKE MUNMORAH

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

43

Liveability score

43

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

$935,000

NSW VG · 2026

Rent yield

Real

3.6%

computed from govt data

Annual growth

Real

-4.8%

annualised from govt data

Vacancy rate

Est.

1.2%

modelled estimate

AI insights for LAKE MUNMORAH

Investment analysis, risks & comparisons

PREMIUM

LAKE MUNMORAH 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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Investment analysis · Risk assessment · Suburb comparisons

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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

$650/wk

NSW Fair Trading · Apr 2026

Demand change

+3.9%

annual shift

Yield × growth index

-0.6

combined signal

Net yield (est.)

2.35%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+5.4%

est. compound, long-run avg

10-yr growth (CAGR)

+6.8%

est. compound, long-run avg

Rental demand

49 / 100

Moderate demand

Supply pipeline

Est.

1.2%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$565k
2021
$720k
2022
$585k
2023
$578k
2024
$865k
2025
$983k
2026
$935k

Source: NSW VG · 2026 · all sources

Market overview

LAKE MUNMORAH 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 3.6% with stable tenant demand
  • Very low vacancy rate — high rental 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

$1,532/wk

$47k taxable p.a.

Renters

25.9%

70.9% owner-occupier

Median age

41.0 yrs

Unemployment

3.1%

Population growth

+1.0% p.a.

Investor-owned

11.0%

of all dwellings (ATO)

Houses

81%

6% apartments

Degree qualified

21.9%

bachelor's or higher (ABS)

Work from home

18.2%

of employed residents (ABS Census)

Median lot size

2.9 ha

Large block

Household size

2.8 persons

avg per dwelling (ABS Census)

Short-term rental

2.2%

Mostly long-term tenants

Market activity

Distance to CBD

75.0 km

Regional

Days on market

53 days

Slower market

Auction clearance

36.0%

Buyer's market

Walkability

0 / 100

Car-dependent

Coastal proximity

25.5 km

Coastal fringe

NBN technology

Fixed Wireless

Regional — wireless tower

Population density

103/km²

Low density

Schools in postcode 2259

🏫17 Primary🎓4 Secondary📚4 Combined1 Special
ACARA 2025

🏫Primary (17)

St Cecilia's Catholic Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1022(57%)
335 students17:1 student–teacher54% girls14% top SEA quarter

St Brendan's Catholic Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1005(49%)
431 students16:1 student–teacher46% girls11% top SEA quarter

Tuggerah Public School

Government · Yrs K-6 · Major Cities

ICSEA 993(44%)
359 students17:1 student–teacher45% girls10% top SEA quarter

Jilliby Public School

Government · Yrs K-6 · Inner Regional

ICSEA 989(42%)
60 students15:1 student–teacher27% girls9% top SEA quarter

Porters Creek Public School

Government · Yrs K-6 · Major Cities

ICSEA 988(42%)
317 students17:1 student–teacher48% girls13% top SEA quarter

Woongarrah Public School

Government · Yrs K-6 · Major Cities

ICSEA 984(39%)
385 students18:1 student–teacher52% girls9% top SEA quarter

Warnervale Public School

Government · Yrs K-6 · Major Cities

ICSEA 979(37%)
442 students19:1 student–teacher52% girls10% top SEA quarter

Wyong Creek Public School

Government · Yrs K-6 · Major Cities

ICSEA 978(37%)
94 students18:1 student–teacher52% girls11% top SEA quarter

Wyee Public School

Government · Yrs K-6 · Major Cities

ICSEA 955(27%)
193 students16:1 student–teacher55% girls4% top SEA quarter

Gwandalan Public School

Government · Yrs K-6 · Major Cities

ICSEA 953(26%)
351 students18:1 student–teacher55% girls4% top SEA quarter

Tuggerawong Public School

Government · Yrs K-6 · Major Cities

ICSEA 953(26%)
208 students15:1 student–teacher49% girls5% top SEA quarter

Lake Munmorah Public School

Government · Yrs K-6 · Major Cities

ICSEA 950(25%)
384 students15:1 student–teacher45% girls3% top SEA quarter

Mannering Park Public School

Government · Yrs K-6 · Major Cities

ICSEA 945(23%)
193 students13:1 student–teacher47% girls5% top SEA quarter

Kanwal Public School

Government · Yrs K-6 · Major Cities

ICSEA 942(22%)
500 students16:1 student–teacher46% girls5% top SEA quarter

Tacoma Public School

Government · Yrs K-6 · Major Cities

ICSEA 938(20%)
186 students15:1 student–teacher51% girls5% top SEA quarter

Wyong Public School

Government · Yrs K-6 · Major Cities

ICSEA 931(18%)
433 students14:1 student–teacher42% girls8% top SEA quarter

Darkinjung Barker

Independent · Yrs K-6 · Inner Regional

ICSEA 809(3%)
43 students8:1 student–teacher56% girls13% top SEA quarter

🎓Secondary (4)

St Peter's Catholic College

Catholic · Yrs 7-12 · Major Cities

ICSEA 1045(66%)
1,078 students13:1 student–teacher55% girls19% top SEA quarter

St Brigid's Catholic College

Catholic · Yrs 7-12 · Major Cities

ICSEA 1006(49%)
651 students11:1 student–teacher50% girls10% top SEA quarter

Wyong High School

Government · Yrs 7-12 · Major Cities

ICSEA 946(23%)
674 students10:1 student–teacher49% girls5% top SEA quarter

Lake Munmorah High School

Government · Yrs 7-12 · Major Cities

ICSEA 925(16%)
610 students11:1 student–teacher50% girls2% top SEA quarter

📚Combined (4)

Wyong Christian Community School

Independent · Yrs K-12 · Major Cities

ICSEA 1057(71%)
904 students14:1 student–teacher50% girls25% top SEA quarter

Lakes Grammar - An Anglican School

Independent · Yrs K-12 · Major Cities

ICSEA 1054(70%)
796 students13:1 student–teacher53% girls25% top SEA quarter

MacKillop Catholic College

Catholic · Yrs K-12 · Major Cities

ICSEA 1042(65%)
1,558 students14:1 student–teacher52% girls20% top SEA quarter

Wadalba Community School

Government · Yrs K-12 · Major Cities

ICSEA 941(22%)
1,414 students13:1 student–teacher50% girls4% top SEA quarter

Special (1)

HopeTown School

Government · Yrs U · Major Cities

ICSEA 797(3%)
43 students4:1 student–teacher0% 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
99/ 100

0.2 offences / 100 persons

Source: NSW BOCSAR · 2024-25

School quality

Average
966ICSEA · national avg 1000

26 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent
7/ 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

low

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

low

Coastal exposure + state climate

Live suburb intelligence

Fetching live data…

Location

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