Cambewarra Village
With 45.2% of households owning their home outright, Cambewarra Village sits well above the national ownership norm, signalling a settled, debt-free base uncommon in most NSW suburbs. The median house price reached $1,015,000 in 2025, up 5.1% from $966,000 in 2024, in a suburb where every dwelling is a separate house and 69.6% have four or more bedrooms. Household income sits in the 83.3rd percentile nationally, while the mortgage-to-income ratio of just 20.6% means buyers here carry far less financial stress than the national average. The population of 1,211 is stable, with 86.7% of residents having remained at the same address, pointing to a community with low churn and high long-term attachment.
Population
1,211
Median Age
43.0
Household IncomeiMedian weekly household income (ABS Census)
$2,188/wk
DAs (12 months)iDevelopment Applications lodged in the past year
11
Median House
$966K
2024-2025 (PSI derived)
The median house price was $1,015,000 in 2025, rising 5.1% from $966,000 in 2024, a pace that outperforms many regional NSW markets. Monthly mortgage repayments average $1,950, and the mortgage-to-income ratio sits at 20.6%, well below the 30% stress threshold compared to the national median. The stock is entirely separate houses, with 69.6% having four or more bedrooms, so the market suits families seeking larger homes rather than downsizers or investors. Outright owners at 45.2% outnumber mortgage holders at 44.7%, suggesting much of the housing is held by long-established residents, which limits turnover and keeps listing volumes low. The 4.5% vacancy rate is moderate, meaning buyers face meaningful competition when stock becomes available.
For Buyers
The median house price was $1,015,000 in 2025, rising 5.1% from $966,000 in 2024, a pace that outperforms many regional NSW markets. Monthly mortgage repayments average $1,950, and the mortgage-to-income ratio sits at 20.6%, well below the 30% stress threshold compared to the national median. The stock is entirely separate houses, with 69.6% having four or more bedrooms, so the market suits families seeking larger homes rather than downsizers or investors. Outright owners at 45.2% outnumber mortgage holders at 44.7%, suggesting much of the housing is held by long-established residents, which limits turnover and keeps listing volumes low. The 4.5% vacancy rate is moderate, meaning buyers face meaningful competition when stock becomes available.
For Investors
Renters make up only 10.1% of the suburb, well below the national average, so the tenant pool is thin compared to larger markets. Weekly rent of $498 against a $1,015,000 median implies a gross yield near 2.6%, modest but not unusual for owner-occupier-dominant villages in the Shoalhaven region. The 4.5% vacancy rate suggests some rental demand without oversupply. Development activity is low at 10 applications in the past 12 months, including secondary dwelling and new house applications, indicating limited near-term supply pressure. The 5.1% price growth in 2024-2025 and the mortgage-belt identity signal suggest capital growth is the primary investment thesis here rather than yield, in a location where stock is tightly held and long-term resident retention runs at 86.7%.
Development Activity
Total DAs
61
Last 12 Months
11
YoY ChangeiYear-over-year change in DA lodgements
+120.0%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 43 is 3.0 years above the national figure, reflecting a population skewed toward established families and pre-retirees. University qualifications at 32.1% sit 2.0 percentage points above the national average, consistent with the strong professional and managerial occupational profile. Overseas-born residents account for 15.4%, which is 6.2 points below the national proportion, giving the suburb an Anglo-Celtic character: English ancestry leads at 569 residents, followed by Irish (148) and Scottish (146). Average household size of 2.8 is 0.3 above national, driven by the high share of couples with children (439 families versus 280 couples without children). The volunteering rate of 23.6% is notably above typical urban benchmarks, pointing to a community with high civic participation.
Age Distribution
Bedrooms
Dwelling Structure
100.0%
Houses
N/A
Townhouse
N/A
Apartment
Tenure
Every dwelling in Cambewarra Village is a separate house, a 100% rate that distinguishes it from almost all comparable NSW suburbs. The bedroom profile is skewed large: 69.6% of dwellings have four or more bedrooms and 27.5% have three, with smaller configurations accounting for under 3%. The median price moved from $966,000 in 2024 to $1,015,000 in 2025, a 5.1% gain. Outright owners hold 45.2% of dwellings and mortgage holders 44.7%, an unusually even split that signals both long-term ownership and an active buyer market. Rent-to-income sits at 22.8%, below the 30% stress threshold, while mortgage-to-income at 20.6% is lower than the state median, making housing costs here relatively manageable compared to national benchmarks.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,950
Rent / wk
$498
HH Size
2.8
Personal Income / wk
$847
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
4.5%
Unoccupied
19
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
22.8%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
20.6%
Community Profile
Ancestry
Household Composition
26.3%
Couples, no children
1,066
Total families
Economy & Employment
Healthcare leads local employment at 17.7% of workers (82 people), followed closely by Education at 17.0% (79) and Public Admin at 15.9% (74). Professional/Tech accounts for 8.4% and Construction 8.2%, the latter consistent with ongoing residential activity in the Shoalhaven hinterland. By occupation, Professionals (162) are the largest group, ahead of Managers (86) and Community/Personal Service workers (82). The unemployment rate is 2.9%, low compared to broader NSW averages, and the full-time employment rate of 56.9% reflects a mix of career-stage residents. Household weekly income of $2,188 places the suburb in the 83.3rd percentile nationally, well above average, partly because the high rate of outright ownership removes mortgage costs from household budgets.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
56.9%
Part-time
40.2%
Participation
60.9%
Employed
575
Occupations
Top Industries
University
32.1%
Postgraduate
8.7%
Born Overseas
15.4%
Dwellings
405
Transport to Work
Car dependency is very high at 90.9%, with only 2.0% walking or cycling to work, which reflects the village's location away from major transit corridors compared to Sydney or Wollongong. No schools are recorded within the suburb boundary, so families access education in nearby Nowra and Bomaderry. Crime statistics are not available for this suburb, but indirect indicators point to low disadvantage: household income in the 83.3rd percentile nationally, a 4.7% rate of residents needing daily assistance, and a volunteering rate of 23.6% all suggest a stable, well-resourced community. The rent-to-income ratio of 22.8% and mortgage-to-income of 20.6% both sit below the national stress thresholds, meaning residents carry less financial pressure than in most NSW suburbs.
Drive
90.9%
Public Transport
N/A
Walk / Cycle
2.0%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Cambewarra Village compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Cambewarra Village a good suburb to live in?
Cambewarra Village has household income in the 83.3rd percentile nationally, a mortgage-to-income ratio of just 20.6%, and a volunteering rate of 23.6%. With 86.7% of residents staying long-term, the community is stable. The main trade-offs are high car dependency at 90.9% and no schools within the suburb boundary.
What is the median house price in Cambewarra Village?
The median house price was $1,015,000 in 2025, up 5.1% from $966,000 in 2024. Monthly mortgage repayments average $1,950, and the mortgage-to-income ratio of 20.6% is well below the 30% stress threshold. Every dwelling in the suburb is a separate house.
What schools are in Cambewarra Village?
No schools are recorded inside the Cambewarra Village boundary in this dataset. Families rely on schools in nearby Nowra and Bomaderry, both within the Shoalhaven LGA. University qualifications among residents reach 32.1%, which is 2.0 percentage points above the national average.
Is Cambewarra Village safe?
Detailed crime statistics are not available for Cambewarra Village in this dataset. As indirect indicators, household income sits in the 83.3rd percentile nationally, only 4.7% of residents need daily assistance, and long-term resident retention is 86.7%, all consistent with a low-disadvantage, stable area.
Is Cambewarra Village good for property investment?
Weekly rent of $498 against a $1,015,000 median implies a gross yield near 2.6%, low but typical for owner-occupier-dominated villages. The renter share is only 10.1%, limiting the tenant pool. The 5.1% price growth in 2024-2025 and tightly held stock with 86.7% long-term residents make capital growth the primary investment case.
How is Cambewarra Village's population changing?
The current population of 1,211 is spread across 1.0 km2 at a density of 1,217 per km2. Resident stability is very high, with 86.7% staying at the same address, well above typical suburban turnover rates. Development activity recorded 10 applications in the past 12 months, including new dwellings and a secondary dwelling, signalling quiet ongoing growth.
How to read these comparisons
Phrases like "above the national average" reference the unweighted median across Australian suburbs with more than 1,000 residents, not population-weighted national figures. Suburb-level medians are more useful for ranking suburbs against each other; ABS census headlines are population-weighted (so dominated by Sydney and Melbourne) and can read very differently.
Current baseline (refreshed 2026-05-10): median age 40, university-educated 30.1%, born overseas 21.6%, average household size 2.5 people.
Data sources: ABS 2021 Census (demographics, income, tenure), state Valuer-General (house prices), Department of Jobs SALM (unemployment), ACARA (school ICSEA), state Crime Statistics agencies (offences), council DA portals (development applications). Population forecasts use a Hamilton-Perry cohort model calibrated to ABS ERP.
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