Macquarie Hills
Household incomes in Macquarie Hills sit at the 84.7th percentile nationally, yet the suburb is remarkably owner-dominated: 57.5% of households carry a mortgage and 29.1% own outright, leaving only 13.4% renting, well below the national average. The population of 3,605 occupies 2.34 square km of land, with 98% of dwellings being separate houses. The IRSAD decile of 8 and IEO decile of 9 place residents firmly in the upper advantage tiers. Healthcare is the largest employment sector at 23.2% of workers, and the suburb has grown 21.6% over the past decade, a rate that outpaces most established NSW suburbs.
Population
3,605
Median Age
35.0
Household IncomeiMedian weekly household income (ABS Census)
$2,241/wk
DAs (12 months)iDevelopment Applications lodged in the past year
29
Median House
$880K
2024-2025 (PSI derived)
The median house price is $880,000, with recent price history showing movement from $852,500 in 2024 to $910,250 in 2025, a gain of 6.8% in one year. The stock is almost entirely separate houses at 98%, which concentrates demand into a single dwelling type. Bedroom size skews large: 50.9% of dwellings have four or more bedrooms and 47.4% have three, so buyers find few entry-level two-bedroom options at just 1.5%. Monthly mortgage repayments average $2,000, giving a mortgage-to-income ratio of 20.6%, below the 30% stress threshold, making this more affordable to service than many comparable NSW markets. The 57.5% mortgage rate signals an active buying market rather than long-held legacy wealth.
For Buyers
The median house price is $880,000, with recent price history showing movement from $852,500 in 2024 to $910,250 in 2025, a gain of 6.8% in one year. The stock is almost entirely separate houses at 98%, which concentrates demand into a single dwelling type. Bedroom size skews large: 50.9% of dwellings have four or more bedrooms and 47.4% have three, so buyers find few entry-level two-bedroom options at just 1.5%. Monthly mortgage repayments average $2,000, giving a mortgage-to-income ratio of 20.6%, below the 30% stress threshold, making this more affordable to service than many comparable NSW markets. The 57.5% mortgage rate signals an active buying market rather than long-held legacy wealth.
For Investors
The rental market is thin in Macquarie Hills, with only 13.4% of households renting, compared to the national average of around 30%. Weekly rent of $473 against an $880,000 median implies a gross yield near 2.8%, modest but not unusual for a low-vacancy outer suburb. The vacancy rate sits at 1.7%, indicating tight conditions for those who do rent. Development activity shows 28 applications in the past 12 months, including subdivision and pool construction, suggesting residents are upgrading existing properties rather than adding significant new supply. Population growth of 1.24% annually adds around 40 residents per year, supported by net overseas migration of 46 persons annually that more than offsets internal outflow of 21.
Development Activity
Total DAs
147
Last 12 Months
29
YoY ChangeiYear-over-year change in DA lodgements
+31.8%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 35 is 5 years below the national figure, placing Macquarie Hills among younger established suburbs by NSW standards. Overseas-born residents account for 9.1%, which is 12.5 percentage points below the national figure, making this one of the more locally-born communities in the state. Ancestry is Anglo-Celtic: English (1,537 residents), Scottish (434) and Irish (390) lead the counts. University qualifications reach 29.3%, roughly in line with the national rate at 0.8 percentage points below. Average household size of 2.9 is 0.4 above national, consistent with the large share of couples with children: 1,563 families fall into that category versus 752 couples with no children.
Age Distribution
Bedrooms
Dwelling Structure
98.0%
Houses
2.0%
Townhouse
N/A
Apartment
Tenure
Tenure is dominated by households with a mortgage at 57.5%, outright owners at 29.1% and renters at 13.4%, a profile that reflects a suburb still mid-way through its wealth accumulation cycle rather than the long-held heritage profile of an older inner ring. The stock is 98% separate houses with just 2% semi-detached and no meaningful apartment presence. Bedroom distribution tilts to large family homes: four or more bedrooms account for 50.9% and three bedrooms 47.4%. Prices rose from $852,500 in 2024 to $910,250 in 2025, a 6.8% gain, and the CAGR over the recorded period holds at 6.8%. Rent-to-income sits at 21.1%, below stress levels, and mortgage-to-income at 20.6% is similarly comfortable relative to most NSW markets.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,000
Rent / wk
$473
HH Size
2.9
Personal Income / wk
$968
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
1.7%
Unoccupied
21
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
21.1%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
20.6%
Community Profile
Ancestry
Household Composition
23.3%
Couples, no children
3,230
Total families
Economy & Employment
Healthcare dominates employment at 23.2% of workers (310 people), which is notably higher than the national sector average and likely reflects proximity to John Hunter Hospital and Hunter-region health infrastructure. Education follows at 11.4% (152 workers), Construction at 9.6% (128) and Public Admin at 7.6% (102). By occupation, Professionals lead at 402, followed by Clerical/Admin at 320 and Community/Personal at 244. The full-time employment rate is 64.8% and the unemployment rate is 4.0%. The IRSAD decile of 8 and IEO decile of 9 confirm an above-average advantage profile, while the IRSD decile of 6 reflects a working-to-middle-class base rather than elite wealth. Real income grew 11.6% over the decade.
Unemployment
5.7%
Labour Force
1,780
Unemployed
102
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
64.8%
Part-time
31.2%
Participation
67.8%
Employed
1,823
Occupations
Top Industries
University
29.3%
Postgraduate
6.4%
Born Overseas
9.1%
Dwellings
1,244
Transport to Work
Car dependency is very high: 93.6% of residents drive to work, well above national averages, and only 0.6% use public transport, reflecting the suburban layout of a 2.34 square km area without heavy rail. Walking and cycling account for 1.2% of commuters. Housing stress indicators are benign: mortgage-to-income at 20.6% and rent-to-income at 21.1% both sit below the 30% stress benchmark, lower than state averages. The IRSAD decile of 8 places the suburb in the top two quintiles nationally for advantage. Volunteering reaches 13.7% of residents. No schools are recorded within the suburb boundary in this dataset, so families rely on schools in the wider Lake Macquarie area. The 4.6% of residents needing daily assistance (164 people) is modest relative to the suburb's aging trajectory.
Drive
93.6%
Public Transport
0.6%
Walk / Cycle
1.2%
Work from Home
N/A
Population Forecast
+1.24%/yr
(+40 people/yr)
EstablishedMacquarie Hills grew 21.6% over the decade to 2021, a rate well above most established NSW suburbs. The current estimated population of 3,605 has climbed steadily from 3,166 in 2023 to 3,231 by 2025. Annual growth of 1.24% adds around 40 residents per year, and medium forecasts project the suburb reaching 3,451 by 2031. Overseas migration is the primary driver at a net 46 arrivals per year, partially offset by net internal outflow of 21. The gentrification score sits at early signs, with signals including population growth of 22% since 2011 and an affordability trend improving from 45.9% in 2011 to 37.1% in 2021. The aging trajectory signal notes the senior share rose 3.3 points while the young share fell 0.4 points over the decade.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Overseas Migration
Net Overseas / yr
+46
Net Internal / yr
-21
Gentrification Signal
Early signs
Population +22% since 2011, Accelerating: 4% → 17%
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Macquarie Hills compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Macquarie Hills a good suburb to live in?
Macquarie Hills ranks at IRSAD decile 8 and IEO decile 9, placing it in the upper advantage tiers nationally. Household income sits at the 84.7th percentile. Mortgage-to-income is 20.6% and rent-to-income 21.1%, both below stress levels. The main trade-off is high car dependency, with 93.6% of commuters driving and only 0.6% using public transport.
What is the median house price in Macquarie Hills?
The median house price is $880,000. Prices moved from $852,500 in 2024 to $910,250 in 2025, a 6.8% gain. Monthly mortgage repayments average $2,000 and weekly rent is $473. The 6.8% CAGR reflects steady capital growth over the recorded period.
What schools are in Macquarie Hills?
No schools are recorded within the Macquarie Hills boundary in this dataset. Families rely on schools in surrounding Lake Macquarie suburbs. The local population holds university qualifications at 29.3%, broadly in line with the national rate, and the suburb's IEO decile of 9 reflects strong educational and occupational advantage.
Is Macquarie Hills safe?
Detailed crime statistics are not available for Macquarie Hills in this dataset. As an indirect indicator, the suburb scores IRSAD decile 8, placing it in the top two quintiles for relative advantage nationally, and IRSD decile 6. Only 4.6% of residents (164 people) need daily assistance, consistent with a low-disadvantage community.
Is Macquarie Hills good for property investment?
Weekly rent of $473 against an $880,000 median implies a gross yield near 2.8%, modest but supported by a 1.7% vacancy rate that signals tight rental conditions. Population grew 21.6% over the decade and annual growth of 1.24% continues, adding roughly 40 residents per year. The 6.8% one-year price gain to $910,250 in 2025 suggests active capital growth.
How is Macquarie Hills's population changing?
The population grew from 3,166 in 2023 to an estimated 3,605 today, and medium forecasts project 3,451 residents by 2031. Annual growth runs at 1.24%, adding around 40 people per year. Overseas migration at a net 46 arrivals annually is the primary driver, partially offset by net internal outflow of 21. The 10-year growth of 21.6% is well above most established NSW suburbs.
How much development is happening in Macquarie Hills?
There were 28 development applications lodged in the past 12 months, including subdivision and pool construction works. Activity leans toward improving existing properties rather than adding new dwellings, consistent with a suburb where 98% of stock is already separate houses and the mortgage-belt profile favours home improvement over speculative development.
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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