NSW2322· Pop. 24,373Cessnock

TOMAGO

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

49

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

$850,000

NSW VG · 2026

Rent yield

Real

4.2%

computed from govt data

Annual growth

Real

-0.9%

annualised from govt data

Vacancy rate

Est.

1.3%

modelled estimate

AI insights for TOMAGO

Investment analysis, risks & comparisons

PREMIUM

TOMAGO 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

+4.3%

annual shift

Yield × growth index

1.6

combined signal

Net yield (est.)

2.03%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

-3.7%

est. compound, long-run avg

10-yr growth (CAGR)

+4.8%

est. compound, long-run avg

Rental demand

49 / 100

Moderate demand

Supply pipeline

Est.

1.0%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$460k
2021
$1024k
2022
$1980k
2023
$730k
2024
$730k
2025
$858k
2026
$850k

Source: NSW VG · 2026 · all sources

Market overview

TOMAGO 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 4.2% with stable tenant demand
  • Very low vacancy rate — high rental 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

$1,811/wk

$56k taxable p.a.

Renters

29.4%

68.6% owner-occupier

Median age

34.0 yrs

Unemployment

2.9%

Population growth

+1.5% p.a.

Investor-owned

10.0%

of all dwellings (ATO)

Houses

87%

8% apartments

Degree qualified

37.9%

bachelor's or higher (ABS)

Work from home

13.0%

of employed residents (ABS Census)

Median lot size

780 m²

Large block

Household size

2.4 persons

avg per dwelling (ABS Census)

Short-term rental

6.3%

Some Airbnb activity

Market activity

Distance to CBD

123.7 km

Regional

Days on market

52 days

Slower market

Auction clearance

46.1%

Buyer's market

Walkability

1 / 100

Car-dependent

Coastal proximity

17.0 km

Coastal fringe

NBN technology

FTTC

Good — fibre to curb

Population density

878/km²

Suburban

Schools in postcode 2322

🏫7 Primary🎓2 Secondary2 Special
ACARA 2025

🏫Primary (7)

St Aloysius Catholic Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1064(73%)
614 students19:1 student–teacher50% girls28% top SEA quarter

Our Lady of Lourdes Primary School

Catholic · Yrs K-6 · Major Cities

ICSEA 1013(53%)
260 students15:1 student–teacher51% girls12% top SEA quarter

Black Hill Public School

Government · Yrs K-6 · Major Cities

ICSEA 982(39%)
67 students13:1 student–teacher61% girls13% top SEA quarter

Thornton Public School

Government · Yrs K-6 · Major Cities

ICSEA 974(35%)
826 students18:1 student–teacher46% girls8% top SEA quarter

Beresfield Public School

Government · Yrs K-6 · Major Cities

ICSEA 918(15%)
262 students14:1 student–teacher49% girls4% top SEA quarter

Tarro Public School

Government · Yrs K-6 · Major Cities

ICSEA 892(9%)
115 students13:1 student–teacher50% girls1% top SEA quarter

Woodberry Public School

Government · Yrs K-6 · Major Cities

ICSEA 817(3%)
221 students10:1 student–teacher53% girls2% top SEA quarter

🎓Secondary (2)

St Bede's Catholic College

Catholic · Yrs 7-12 · Major Cities

ICSEA 1030(60%)
910 students11:1 student–teacher54% girls18% top SEA quarter

Francis Greenway High School

Government · Yrs 7-12 · Major Cities

ICSEA 912(13%)
742 students11:1 student–teacher50% girls3% top SEA quarter

Special (2)

Aspect Hunter School

Independent · Yrs U · Major Cities

ICSEA 1008(51%)
290 students4:1 student–teacher30% girls16% top SEA quarter

Woodberry Learning Centre

Government · Yrs U · Major Cities

ICSEA 844(5%)
26 students4:1 student–teacher23% girls2% 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
950ICSEA · national avg 1000

11 schools in postcode area

Source: ACARA My School 2025

Transit access

Limited
26/ 100
🚆 0 train🚌 9 bus

Source: State GTFS feeds

Gentrification signal

28

/ 100

Early signs

Early-stage signals only. Watch for rising rents, new café activity, and building application increases as leading indicators.

Composite: education premium · youth cohort · rental activity · price gap · transit quality

Environmental risk

🌊

Flood risk

low

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

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Location

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