Point Frederick
With a median age of 48, Point Frederick sits 8 years above the national figure, making it one of the more distinctly older-skewing suburbs in the Central Coast region. Packed into just 0.6 square kilometres at a density of 3,430 residents per km2, the suburb is apartment-dominant: 54% of dwellings are flats or units compared with only 34% separate houses. The median house price sits at $980,000 in 2025, down 12% from the $1,114,000 peak in 2024. University qualifications reach 41.2% of residents, which is 11.1 percentage points above the national average, and nearly half of all households are renters at 47.9%.
Population
2,043
Median Age
48.0
Household IncomeiMedian weekly household income (ABS Census)
$1,631/wk
DAs (12 months)iDevelopment Applications lodged in the past year
22
Median House
$1.1M
2024-2025 (PSI derived)
The current median house price of $980,000 represents a 12% fall from the 2024 peak of $1,114,000, offering buyers a potential entry point below recent highs. The stock profile matters: 54% of dwellings are apartments and only 34% are separate houses, so buyers seeking a detached home face limited supply in a small 0.6 km2 footprint. Two-bedroom dwellings account for 40.3% of stock, with three-bedroom at 28.5% and four-plus at 21.6%. Monthly mortgage repayments average $1,947, and the mortgage-to-income ratio sits at 27.6%, below the 30% stress threshold, making current prices more serviceable than many Sydney markets. Outright owners at 30.8% slightly exceed mortgage holders at 21.2%, suggesting an established, lower-debt owner base.
For Buyers
The current median house price of $980,000 represents a 12% fall from the 2024 peak of $1,114,000, offering buyers a potential entry point below recent highs. The stock profile matters: 54% of dwellings are apartments and only 34% are separate houses, so buyers seeking a detached home face limited supply in a small 0.6 km2 footprint. Two-bedroom dwellings account for 40.3% of stock, with three-bedroom at 28.5% and four-plus at 21.6%. Monthly mortgage repayments average $1,947, and the mortgage-to-income ratio sits at 27.6%, below the 30% stress threshold, making current prices more serviceable than many Sydney markets. Outright owners at 30.8% slightly exceed mortgage holders at 21.2%, suggesting an established, lower-debt owner base.
For Investors
A 47.9% renter share, well above average for NSW, means Point Frederick has a deep and established tenant pool. Weekly rent of $390 is the starting point, but the 9.4% vacancy rate is elevated and warrants attention before committing. The suburb recorded 22 development applications in the past 12 months, including flat building modifications and house additions, indicating ongoing activity in a constrained land area. Prices fell 12% from the 2024 peak to $980,000 in 2025, so investors buying now are entering at a lower base than recent years. The aging resident profile, with median age 8 years above national, and small household size of 2.0 persons support demand for compact two-bedroom apartments, which make up 40.3% of all dwellings.
Development Activity
Total DAs
98
Last 12 Months
22
YoY ChangeiYear-over-year change in DA lodgements
+15.8%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 48 is 8 years above the national figure, one of the clearest aging signals in the brief. Overseas-born residents account for 26.7%, which is 5.1 percentage points above the national average, with English (790), Irish (296) and Scottish (200) ancestry dominating. University qualifications at 41.2% run 11.1 points above national, indicating a well-educated resident base despite the older age profile. Average household size is 2.0 persons, half a person below the national average, consistent with a suburb of retirees, couples without children (39.2% of families) and empty-nesters. A volunteering rate of 16.5% and a 72.4% stay-in-place rate after five years both reinforce that this is a settled, community-rooted population rather than a high-turnover rental market.
Age Distribution
Bedrooms
Dwelling Structure
34.0%
Houses
12.1%
Townhouse
54.0%
Apartment
Tenure
The housing mix tilts heavily toward apartments at 54% of all dwellings, with semi-detached at 12.1% and separate houses at just 34%, low for a suburb of this price level. Two-bedroom stock leads at 40.3%, followed by three-bedroom at 28.5% and four-plus at 21.6%. The price fell from $1,114,000 in 2024 to $980,000 in 2025, a 12% correction from peak that repositions the suburb closer to the broader Central Coast range. Tenure splits into roughly three groups: 30.8% own outright, 21.2% hold a mortgage and 47.9% rent, a rental proportion notably higher than typical NSW owner-occupier suburbs. The rent-to-income ratio of 23.9% stays comfortably below stress levels, and the mortgage-to-income ratio of 27.6% also sits below the 30% stress threshold.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,947
Rent / wk
$390
HH Size
2.0
Personal Income / wk
$882
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
9.4%
Unoccupied
98
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
23.9%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
27.6%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
39.2%
Couples, no children
1,458
Total families
Economy & Employment
Healthcare is the dominant industry at 30.6% of employed residents (212 workers), a share well above national norms, which partly reflects the suburb's aging demographic driving local health service demand. Professional and technical services follow at 9.8% (68 workers), Education at 9.1% (63) and Retail at 7.4% (51). By occupation, Professionals lead at 290, followed by Clerical and Admin at 154 and Managers at 150. The unemployment rate sits at 6.1%, somewhat higher than national trends, and the participation rate at 50.9% is low compared with younger, working-age dominated suburbs. This is consistent with a large portion of residents being retired or semi-retired: 668 people are classified as not in the labour force, roughly half the suburb's employed population.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
61.5%
Part-time
32.4%
Participation
50.9%
Employed
859
Occupations
Top Industries
University
41.2%
Postgraduate
11.9%
Born Overseas
26.7%
Dwellings
945
Transport to Work
Car dependence is very high: 85.7% of residents drive to work, compared with only 5.3% using public transport and 3.4% walking or cycling, placing Point Frederick well above the national average for car reliance. No schools are recorded within the suburb boundary, so families must travel to neighbouring areas. The need-for-assistance rate is 6.5% (125 residents), somewhat elevated relative to younger suburbs, consistent with an aging population where median age of 48 exceeds national by 8 years. Housing stress is low on both measures: rent-to-income at 23.9% and mortgage-to-income at 27.6% both fall below the 30% threshold. The low average household size of 2.0 and high proportion of couples without children at 39.2% of families point to a quiet, low-activity residential setting rather than a suburb with high demand for family infrastructure.
Drive
85.7%
Public Transport
5.3%
Walk / Cycle
3.4%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Point Frederick compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Point Frederick a good suburb to live in?
Point Frederick suits residents who prefer a compact, apartment-style setting with an older, well-educated community. University qualifications at 41.2% sit 11.1 points above national average. The 47.9% renter share and a 9.4% vacancy rate mean finding a rental is generally possible, though the suburb is small at just 0.6 km2 with 2,043 residents.
What is the median house price in Point Frederick?
The median house price is $980,000 in 2025, down 12% from the 2024 peak of $1,114,000. Monthly mortgage repayments average $1,947. Weekly rent is $390, and the mortgage-to-income ratio of 27.6% sits below the 30% stress threshold, making repayments relatively manageable compared with many Sydney suburbs.
What schools are in Point Frederick?
No schools are recorded within the Point Frederick boundary in this dataset. With a median age of 48 and 39.2% of families being couples without children, the suburb's resident base has limited demand for local schools. Families with children rely on schools in neighbouring Central Coast suburbs.
Is Point Frederick safe?
Detailed crime statistics are not available for Point Frederick in this dataset. As indirect indicators, housing stress is low, with rent-to-income at 23.9% and mortgage-to-income at 27.6%, both below the 30% stress threshold. Household income sits at the 56.5th national percentile and the resident base skews older and well-educated.
Is Point Frederick good for property investment?
The renter share of 47.9% is well above NSW norms, supporting demand, but the 9.4% vacancy rate is elevated and indicates some oversupply risk in the apartment segment which makes up 54% of dwellings. Weekly rent is $390 against a $980,000 median, giving a gross yield around 2.1%. The 12% price fall from the 2024 peak provides a lower entry base.
How is Point Frederick's population changing?
Point Frederick has a population of 2,043 across 0.6 km2. The aging signal is strong, with median age of 48 sitting 8 years above the national figure. A 72.4% five-year stay rate indicates low turnover. The suburb's density of 3,430 residents per km2 and constrained land size limit large-scale population expansion.
How much development is happening in Point Frederick?
There were 22 development applications lodged in the past 12 months, including residential flat building modifications, house alterations and complying development certificates for new dwellings. Activity is incremental rather than large-scale, consistent with an established, compact suburb where 54% of existing dwellings are already apartments.
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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