Point Clare
At a median age of 46, Point Clare sits 6 years above the national figure, making it one of the older-skewing suburbs on the Central Coast. The 3,974 residents live at a density of 1,191 people per km2, with 85.8% of dwellings being separate houses on a 3.34 km2 footprint. Household income sits at the 53rd percentile nationally, a middle-income position, while SEIFA places the suburb at decile 7 on both IRSAD and IEO, above average on relative advantage and education. Owner-occupiers dominate at 73.9% combined (37.8% outright, 36.1% with a mortgage), anchoring Point Clare as an established, stability-oriented residential suburb rather than a rental-driven market.
Population
3,974
Median Age
46.0
Household IncomeiMedian weekly household income (ABS Census)
$1,623/wk
DAs (12 months)iDevelopment Applications lodged in the past year
30
Median House
$985K
2024-2025 (PSI derived)
The median house price reached $985,000 in the 2024-2025 period, with price history showing a move from $920,000 in 2024 to $1,050,000 in 2025, a 14.1% gain in a single year. The stock is overwhelmingly detached: 85.8% separate houses, 8.3% semi-detached and only 5.6% apartments, so buyers face a relatively uniform market with limited alternatives to full house purchases. Bedroom composition tilts large, with 38.9% of dwellings having 4 or more bedrooms and 38.2% having 3 bedrooms. Monthly mortgage repayments average $2,000, producing a mortgage-to-income ratio of 28.5%, below the 30% stress threshold, meaning serviceability is manageable compared to higher-stress Sydney markets.
For Buyers
The median house price reached $985,000 in the 2024-2025 period, with price history showing a move from $920,000 in 2024 to $1,050,000 in 2025, a 14.1% gain in a single year. The stock is overwhelmingly detached: 85.8% separate houses, 8.3% semi-detached and only 5.6% apartments, so buyers face a relatively uniform market with limited alternatives to full house purchases. Bedroom composition tilts large, with 38.9% of dwellings having 4 or more bedrooms and 38.2% having 3 bedrooms. Monthly mortgage repayments average $2,000, producing a mortgage-to-income ratio of 28.5%, below the 30% stress threshold, meaning serviceability is manageable compared to higher-stress Sydney markets.
For Investors
The renter share at 26.1% is lower than most urban markets, limiting the tenant pool relative to owner-dominated suburbs. Weekly rent of $380 against a $985,000 median implies a gross yield near 2.0%, modest compared to higher-yielding coastal or outer-suburban markets. The vacancy rate at 6.3% is elevated, signalling some supply overhang in the rental segment and warranting caution for investors relying on low vacancy to underpin returns. Net overseas migration adds around 17 residents a year while internal migration removes 14, a balanced but thin demand signal. Development activity logged 28 applications in the past 12 months, including secondary dwelling modifications, indicating incremental rather than transformative supply growth.
Development Activity
Total DAs
131
Last 12 Months
30
YoY ChangeiYear-over-year change in DA lodgements
+42.9%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Point Clare iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Point Clare Public School
K-6 · 479 students
Demographics
The median age of 46 is 6 years above the national figure, and the trajectory confirms continued aging: the senior share rose 5.8 points over the decade while the working-age share fell 1.4 points. University qualifications reach 31.7%, which is 1.6 percentage points above national, a modest but positive education advantage relative to the state average. The overseas-born share at 22.6% sits near the national level, about 1 point above. Ancestry is predominantly Anglo-Celtic, led by English (1,740 residents), Scottish (475) and Irish (450). Only 14.9% of residents volunteer, and average household size of 2.5 matches the national figure. Couples with children (1,308 families) outnumber couples without children (787 families), pointing to a family-oriented rather than retiree-dominant profile despite the older median age.
Age Distribution
Bedrooms
Dwelling Structure
85.8%
Houses
8.3%
Townhouse
5.6%
Apartment
Tenure
Owner-occupation dominates: 37.8% own outright and 36.1% carry a mortgage, leaving renters at just 26.1%. The outright ownership share is notably high, consistent with a long-established residential suburb where residents have held properties for decades. The stock concentrates strongly in detached houses (85.8%) and larger floor plans, with 77.1% of dwellings at 3 or more bedrooms. Prices moved from $920,000 in 2024 to $1,050,000 in 2025, a 14.1% rise, bringing the current median to $985,000. Mortgage-to-income sits at 28.5%, below the 30% stress marker, and rent-to-income at 23.4% stays comfortable. These ratios compare favourably to inner-Sydney suburbs where mortgage burdens routinely exceed 35-40% of household income.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,000
Rent / wk
$380
HH Size
2.5
Personal Income / wk
$756
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
6.3%
Unoccupied
102
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
23.4%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
28.5%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
25.6%
Couples, no children
3,075
Total families
Economy & Employment
Healthcare is the dominant local industry at 21.2% of workers (262 people), well above what a residential suburb of this size would typically generate, reflecting both local services and nearby Gosford Hospital proximity. Professional and Technical services follow at 11.7% (145 workers) and Education at 11.3% (140 workers), together accounting for nearly a third of employment. By occupation, Professionals lead with 476 workers, followed by Clerical/Admin (238) and Managers (231). The unemployment rate of 4.5% sits slightly above the national average, and the participation rate at 49.4% is relatively low, partly because the older median age of 46 contributes to a large not-in-labour-force cohort of 1,314 people. Real income growth of 12.0% over the decade and a SEIFA IEO score placing the suburb at decile 7 for education and occupation confirm above-average economic standing.
Unemployment
2.1%
Labour Force
3,460
Unemployed
73
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
57.3%
Part-time
38.2%
Participation
49.4%
Employed
1,538
Occupations
Top Industries
University
31.7%
Postgraduate
8.3%
Born Overseas
22.6%
Dwellings
1,505
Transport to Work
Car dependence is high: 87.4% of residents drive to work, compared to the national average, and only 5.4% use public transport. The walkability and cycling share at 2.3% is low, reflecting a suburban layout designed around the car. No schools are recorded within the suburb boundary in this dataset, so families depend on institutions in neighbouring areas such as East Gosford and Gosford. SEIFA IRSAD scores at decile 7 nationally indicate above-average advantage, with few residents facing serious disadvantage. Housing stress indicators are benign: mortgage-to-income at 28.5% and rent-to-income at 23.4% both stay below stress thresholds. The housing assistance need rate at 8.8% (333 people) is moderate, and the 81.2% residential stability rate shows that most residents choose to stay, signalling satisfaction with the local environment.
Drive
87.4%
Public Transport
5.4%
Walk / Cycle
2.3%
Work from Home
N/A
Population Forecast
+0.48%/yr
(+20 people/yr)
EstablishedPoint Clare is classified as an established, slow-growth suburb. Population held at around 4,185-4,223 across 2023-2025, and the 10-year growth rate was 4.3%. Medium forecasts project modest growth to roughly 4,367 by 2031, an annual increase of about 20 people (0.48% per year). The trajectory is aging, with the senior share rising 5.8 points over the decade. Migration is balanced: overseas arrivals add 17 residents annually against an internal net outflow of 14, so natural population change rather than migration drives the slow expansion. The gentrification score is 0, classifying the suburb as not gentrifying, which is consistent with an already stable, SEIFA decile 7 suburb that has limited scope for rapid socio-economic upward movement. Affordability improved slightly from 34.9% in 2011 to 33.3% in 2021.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Balanced
Net Overseas / yr
+17
Net Internal / yr
-14
Gentrification Signal
Not gentrifying
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Point Clare compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Point Clare a good suburb to live in?
Point Clare scores decile 7 on SEIFA IRSAD and IEO nationally, placing it in the above-average advantage tier. Owner-occupation stands at 73.9% (37.8% outright, 36.1% with a mortgage), mortgage-to-income sits at a comfortable 28.5%, and 81.2% of residents stayed over the measured period, all pointing to a stable, well-regarded residential environment.
What is the median house price in Point Clare?
The median house price is $985,000, derived from PSI data for the 2024-2025 period. Prices rose 14.1% from $920,000 in 2024 to $1,050,000 in 2025. Weekly rent averages $380 and monthly mortgage repayments average $2,000, giving a mortgage-to-income ratio of 28.5%.
What schools are in Point Clare?
No schools are recorded inside the Point Clare boundary in this dataset. The suburb has a 3.34 km2 footprint and families typically access schools in neighbouring areas such as East Gosford or Gosford. The local population holds university qualifications at 31.7%, which is 1.6 points above the national figure, suggesting above-average educational attainment among residents.
Is Point Clare safe?
Detailed crime statistics are not available for Point Clare in this dataset. As an indirect measure, the suburb scores decile 7 on SEIFA IRSD for relative disadvantage, meaning fewer residents face the socio-economic conditions associated with higher crime risk. The residential stability rate of 81.2% staying residents also suggests a settled, low-disruption community.
Is Point Clare good for property investment?
Weekly rent of $380 against a $985,000 median implies a gross yield near 2.0%, modest compared to higher-yielding markets. The vacancy rate at 6.3% is elevated, signalling some supply pressure in the rental segment. Prices rose 14.1% in a single year (2024 to 2025), which favours capital growth over yield. Net migration is balanced and population growth is slow at 0.48% per year through to 2031.
How is Point Clare's population changing?
Population was 4,185 in 2025, down slightly from 4,223 in 2023, and the 10-year growth rate sits at 4.3%. Medium forecasts project the population reaching around 4,367 by 2031 at 0.48% per year. The suburb is aging, with the senior share up 5.8 points over the decade and the working-age share down 1.4 points.
How much development is happening in Point Clare?
There were 28 development applications lodged in the past 12 months, including a new residential structure application in May 2026 and a secondary dwelling modification in early May 2026. This level of activity is moderate for a 3.34 km2 established suburb, reflecting incremental upgrades and granny flat additions rather than large-scale new supply.
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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