Niagara Park
Almost 9 in 10 dwellings in Niagara Park are separate houses, a proportion well above the national average, and that detached-dominant stock anchors a suburb where 45.7% of residents carry a mortgage rather than renting or owning outright. The median house price sits at $855,750, placing the suburb comfortably into Central Coast territory without the premium of beachside postcodes. Household income ranks at the 62.8th percentile nationally, modestly above the midpoint, while the IRSD and IRSAD indexes both land at decile 7, indicating below-average disadvantage compared to the national spread. The population of 2,779 skews slightly younger than national at a median age of 37, and the community is predominantly Australian-born at 84%, reflecting an Anglo-leaning profile that aligns with the broader Central Coast character.
Population
2,779
Median Age
37.0
Household IncomeiMedian weekly household income (ABS Census)
$1,780/wk
DAs (12 months)iDevelopment Applications lodged in the past year
9
Median House
$856K
2024-2025 (PSI derived)
The median house price of $855,750 moved up 1.2% from $850,000 in 2024 to $860,000 in 2025, a modest but positive trajectory. Detached houses account for 87.1% of stock, with semi-detached homes at 12% and apartments at just 1%, so buyers who want a house face limited competition from alternative dwelling types. Three-bedroom homes dominate at 52.7% of dwellings and four-plus bedroom homes at 38%, meaning the market skews toward family-sized stock rather than starter apartments. Monthly mortgage repayments average $1,943, and the mortgage-to-income ratio sits at 25.2%, below the 30% stress threshold, which means the suburb is more accessible than many comparable NSW markets. Ownership is split between mortgage holders at 45.7% and outright owners at 29%, with renters making up 25.3%. Nine development applications were lodged in the past 12 months, suggesting a mature suburb with limited new supply.
For Buyers
The median house price of $855,750 moved up 1.2% from $850,000 in 2024 to $860,000 in 2025, a modest but positive trajectory. Detached houses account for 87.1% of stock, with semi-detached homes at 12% and apartments at just 1%, so buyers who want a house face limited competition from alternative dwelling types. Three-bedroom homes dominate at 52.7% of dwellings and four-plus bedroom homes at 38%, meaning the market skews toward family-sized stock rather than starter apartments. Monthly mortgage repayments average $1,943, and the mortgage-to-income ratio sits at 25.2%, below the 30% stress threshold, which means the suburb is more accessible than many comparable NSW markets. Ownership is split between mortgage holders at 45.7% and outright owners at 29%, with renters making up 25.3%. Nine development applications were lodged in the past 12 months, suggesting a mature suburb with limited new supply.
For Investors
Investors face a constrained rental market: weekly rent averages $410 against an $855,750 median house price, implying a gross yield around 2.5%, which is below typical investment benchmarks. The vacancy rate stands at 4.7%, higher than the national average, suggesting that rental demand does not outpace supply in this suburb. The renter share is 25.3%, providing a modest tenant pool, but the rental growth of 44.1% over the decade shows that rents have risen significantly faster than wages, improving the long-run income position. Net internal migration averages minus 42 residents per year while overseas migration adds 35, resulting in thin natural growth of around 19 persons annually. Development activity is low at 9 applications in 12 months, mostly modifications and single-dwelling builds, so supply pressure on rentals is limited. Population is forecast to reach 8,435 by 2031 at a moderate 0.23% annual rate, offering steady rather than speculative demand.
Development Activity
Total DAs
88
Last 12 Months
9
YoY ChangeiYear-over-year change in DA lodgements
-40.0%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Niagara Park iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Niagara Park Public School
K-6 · 412 students
Demographics
The median age of 37 is 3.0 years below the national figure, making Niagara Park comparatively younger than most established NSW suburbs. Overseas-born residents account for 16%, which is 5.6 percentage points below the national average, reflecting the suburb's Anglo-leaning character. English ancestry leads at 1,297 residents, followed by Irish (358) and Scottish (310), with no significant non-English language groups recorded. University qualifications reach 28.8% of the population, which is 1.3 percentage points below the national rate, consistent with a trade and service-oriented workforce. Average household size is 2.7, marginally above the national average, and couples with children account for 1,020 of 2,332 total family structures. Volunteering engagement is solid at 15.8% of residents, and only 6.5% of the population requires daily assistance, indicating a relatively healthy and self-sufficient community.
Age Distribution
Bedrooms
Dwelling Structure
87.1%
Houses
12.0%
Townhouse
1.0%
Apartment
Tenure
Tenure is weighted toward owner-occupiers: 29% own outright and 45.7% carry a mortgage, while only 25.3% rent, a ratio that signals a stable, owner-dominated market compared to higher-density suburbs. The stock is overwhelmingly detached houses at 87.1%, with semi-detached homes at 12% and apartments at 1%, so the suburb functions almost exclusively as a house market. Bedroom distribution leans toward larger homes, with three-bedroom properties at 52.7% and four-plus bedroom at 38%, leaving only small shares for one-to-two bedroom dwellings. Median house price moved from $850,000 in 2024 to $860,000 in 2025, a 1.2% increase, with the current PSI-derived estimate at $855,750. Rent-to-income at 23.0% stays below the 30% stress threshold, meaning renters are not under significant financial pressure relative to their incomes. Monthly mortgage repayments of $1,943 represent a mortgage-to-income ratio of 25.2%, also below the stress line.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,943
Rent / wk
$410
HH Size
2.7
Personal Income / wk
$785
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
4.7%
Unoccupied
49
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
23.0%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
25.2%
Community Profile
Ancestry
Household Composition
20.8%
Couples, no children
2,332
Total families
Economy & Employment
Healthcare leads the local employment mix at 20.1% of workers (175 people), followed by Education at 11.6% (101), Construction at 11.0% (96), Professional/Tech at 8.8% (77) and Retail at 8.3% (72). This spread reflects the broader Central Coast economy where health, education and trade sectors dominate over finance and corporate services. By occupation, Professionals lead at 308 workers, followed by Clerical/Admin (157), Community/Personal (153) and Labourers (140), pointing to a mixed white and blue-collar base. The unemployment rate is 4.8% and the full-time employment rate reaches 59.8%. Participation sits at 56.4% with 734 residents not in the labour force, partly explained by the aging trajectory with senior share rising 6.4 points over the decade. The SEIFA IEO decile is 6, meaning education and occupation outcomes rank below the national median, while the IER decile reaches 9, indicating relatively strong economic resource access compared to most suburbs nationally.
Unemployment
1.8%
Labour Force
4,560
Unemployed
81
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
59.8%
Part-time
35.4%
Participation
56.4%
Employed
1,183
Occupations
Top Industries
University
28.8%
Postgraduate
6.0%
Born Overseas
16.0%
Dwellings
1,004
Transport to Work
Car dependence is high: 88.8% of residents drive to work, well above the national average, and only 3.7% use public transport, reflecting the suburb's location away from heavy rail corridors. Walkable or cycleable commuting is minimal at 1.6%. No schools are recorded inside the 4.78 km2 boundary in this dataset, so families rely on schools in adjoining suburbs such as Gosford and Narara. Rent-to-income at 23.0% and mortgage-to-income at 25.2% both sit below stress thresholds, making the suburb financially accessible for both tenants and buyers relative to many NSW postcodes. The IRSAD decile of 7 indicates below-average disadvantage nationally, and the IER decile of 9 places the suburb in the top bracket for economic resource access. Household income sits at the 62.8th percentile nationally, above the midpoint, and the housing stress flags are absent for both renters and mortgage holders.
Drive
88.8%
Public Transport
3.7%
Walk / Cycle
1.6%
Work from Home
N/A
Population Forecast
+0.23%/yr
(+19 people/yr)
EstablishedAnnual population growth registers 0.23%, adding around 19 persons per year, and medium forecasts project the population reaching 8,435 by 2031 from a current 8,264. The 10-year population change was 1.9%, modest but consistent with an established suburb on a slow-growth trajectory. Internal migration averages a net loss of 42 residents per year while overseas migration adds 35, meaning the suburb relies on natural increase rather than migration gain. The aging trajectory is notable: the senior share rose 6.4 points and the young share fell 3.0 points over the decade, while the working-age share declined 1.8 points. Real income grew 11.9% over the same period, and rent rose 44.1%, meaning affordability has worsened from 50.9% in 2011 to 53.3% in 2021. The gentrification score of 26 suggests early signs of price-driven change, though the gentrification stage in the data registers as not advanced, placing the suburb in a transitional position compared to more established gentrifying areas.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Overseas Migration
Net Overseas / yr
+35
Net Internal / yr
-42
Gentrification Signal
Not gentrifying
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Niagara Park compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Niagara Park a good suburb to live in?
Niagara Park offers a stable owner-occupier environment with household income at the 62.8th percentile nationally. The IRSAD decile of 7 indicates below-average disadvantage, and both rent-to-income at 23% and mortgage-to-income at 25.2% sit below financial stress thresholds. The main trade-off is high car dependence at 88.8% of commuters and no schools recorded inside the suburb boundary.
What is the median house price in Niagara Park?
The median house price is $855,750, derived from PSI data. Prices rose from $850,000 in 2024 to $860,000 in 2025, a 1.2% increase over one year. Monthly mortgage repayments average $1,943, representing a mortgage-to-income ratio of 25.2%, below the 30% stress level.
What schools are in Niagara Park?
No schools are recorded inside the Niagara Park boundary in this dataset. Families rely on schools in neighbouring suburbs. University qualifications in the suburb reach 28.8% of residents, which is 1.3 percentage points below the national figure, consistent with a trades and services-oriented local workforce.
Is Niagara Park safe?
Detailed crime statistics by rate per 1,000 residents are not available for Niagara Park in this dataset. As an indirect measure, the suburb scores decile 7 on the IRSD index of relative disadvantage, placing it in the lower-disadvantage tier nationally, and only 6.5% of its 2,779 residents require daily assistance, both suggesting a stable community profile.
Is Niagara Park good for property investment?
Rental yield is constrained: $410 weekly rent against an $855,750 median implies a gross yield around 2.5%, below typical benchmarks. The vacancy rate at 4.7% is above the national average, indicating moderate oversupply in the rental segment. Rent growth of 44.1% over the decade and a forecast population of 8,435 by 2031 support long-run demand, but returns are more capital-growth than yield driven.
How is Niagara Park's population changing?
Population growth runs at 0.23% annually, adding roughly 19 persons per year. The current population of 2,779 sits within a broader SA2 area projected to reach 8,435 by 2031 under medium forecasts. Internal migration averages a net loss of 42 per year, offset partially by overseas arrivals of 35, and the community is aging with the senior share up 6.4 points over the decade.
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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