Silverdale
Household income at the 94.4th percentile nationally, yet an IEO decile of just 3 on education and occupation: that gap is the defining tension in Silverdale. The suburb's 4,543 residents sit across 48.42 square kilometres of outer-Sydney greenfield, with 99.5% of dwellings being separate houses and 79.7% carrying four or more bedrooms. The population skews young at a median age of 35, five years below the national figure, and average household size of 3.3 is 0.8 above national, pointing to a suburb of growing families buying large lots. Construction accounts for 20.3% of local employment, well above typical suburban averages, reflecting both the character of residents and the area's ongoing development.
Population
4,543
Median Age
35.0
Household IncomeiMedian weekly household income (ABS Census)
$2,654/wk
DAs (12 months)iDevelopment Applications lodged in the past year
144
Median House
$1.3M
2024-2025 (PSI derived)
At $1,254,798 the median house price is high in absolute terms, though the 2024-to-2025 change of -0.1% shows the market effectively flat over the most recent year. Monthly mortgage repayments average $2,600, producing a mortgage-to-income ratio of 22.6%, below the 30% stress threshold, meaning the income profile here supports the price level without excessive financial strain. Stock is almost entirely separate houses at 99.5%, and 79.7% of those carry four or more bedrooms, so buyers get genuine space compared with most Sydney markets. The 60.6% mortgage rate is high relative to the 29.5% who own outright, indicating a suburb still mid-accumulation rather than settled wealth. Weekly rent of $500 anchors the rental comparison for those not ready to buy.
For Buyers
At $1,254,798 the median house price is high in absolute terms, though the 2024-to-2025 change of -0.1% shows the market effectively flat over the most recent year. Monthly mortgage repayments average $2,600, producing a mortgage-to-income ratio of 22.6%, below the 30% stress threshold, meaning the income profile here supports the price level without excessive financial strain. Stock is almost entirely separate houses at 99.5%, and 79.7% of those carry four or more bedrooms, so buyers get genuine space compared with most Sydney markets. The 60.6% mortgage rate is high relative to the 29.5% who own outright, indicating a suburb still mid-accumulation rather than settled wealth. Weekly rent of $500 anchors the rental comparison for those not ready to buy.
For Investors
The rental market in Silverdale is thin: only 10.0% of dwellings are rented, well below the national average, and weekly rent of $500 against a $1,254,798 median implies a gross yield near 2.1%, low by most investor benchmarks. Vacancy sits at 3.2%, which is moderate rather than tight, reducing the case for strong rental pricing power. Development activity tells a different story: 134 applications were lodged in the past 12 months, including active subdivision and new dwelling work, signalling ongoing population and land-release growth in the area. At 93.6% car dependency and 0.4% public transport use, the suburb is transport-reliant, which can limit the tenant pool to those with vehicles and steady outer-suburban employment.
Development Activity
Total DAs
928
Last 12 Months
144
YoY ChangeiYear-over-year change in DA lodgements
+2.1%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
Silverdale's population of 4,543 is younger than national, with a median age of 35 versus the national 40. Average household size of 3.3 is 0.8 above national, consistent with the couples-with-children profile where 2,059 of 4,160 families include dependent children. Overseas-born residents represent just 10.7% of the population, roughly 10.9 percentage points below the national figure, and English is the clear dominant tongue, with Croatian, Italian and Arabic present in small numbers. Ancestry is Anglo-leaning, led by English (1,587), Maltese (463) and Italian (433). University qualifications reach 20.5%, which sits 9.6 points below national, consistent with the IEO decile 3 score that reflects the occupational and educational mix of a predominantly trade and services workforce.
Age Distribution
Bedrooms
Dwelling Structure
99.5%
Houses
0.2%
Townhouse
0.3%
Apartment
Tenure
The housing stock is one of the most uniform you will find anywhere near Sydney: 99.5% separate houses, 0.3% apartments and 0.2% semi-detached. Four-plus bedroom dwellings dominate at 79.7%, with three-bedroom at 17.1% and two-bedroom at just 2.8%, so demand is concentrated at the larger end of the market. Tenure leans heavily toward mortgage holders at 60.6%, with outright owners at 29.5% and renters at just 10.0%, the lowest renter share compared with most Sydney suburbs. The median house price held nearly flat at $1,254,798 in 2025 versus $1,255,500 in 2024, a decline of just 0.1% and a CAGR of -0.1% over the one available data year. Rent-to-income at 18.8% and mortgage-to-income at 22.6% both sit below common stress thresholds.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,600
Rent / wk
$500
HH Size
3.3
Personal Income / wk
$1,024
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
3.2%
Unoccupied
45
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
18.8%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
22.6%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
20.8%
Couples, no children
4,160
Total families
Economy & Employment
Construction dominates local employment at 20.3% of workers (310 people), a proportion significantly above the national average and reflecting both the trade-skilled resident base and the area's own housing pipeline. Education follows at 13.3% (204 workers) and Healthcare at 11.7% (179), then Manufacturing at 8.4% and Public Administration at 6.5%. By occupation, Clerical and Admin is the largest group at 440, followed by Professionals (345), Managers (323), Machinery and Drivers (244) and Community and Personal services (210). The unemployment rate is low at 2.6% and the full-time employment rate is 65.2%. SEIFA shows an anomaly: despite the 94.4th-percentile household income, the IEO decile is 3, meaning educational qualifications and professional occupations are below most of Australia, while the IER economic resources decile reaches 10, reflecting mortgage-backed asset wealth.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
65.2%
Part-time
32.2%
Participation
62.3%
Employed
2,132
Occupations
Top Industries
University
20.5%
Postgraduate
4.1%
Born Overseas
10.7%
Dwellings
1,340
Transport to Work
Car ownership is effectively universal here: 93.6% of residents drive to work and only 0.4% use public transport, making a car non-negotiable for daily life. No schools are recorded within the suburb boundary in the available dataset, so families commute to neighbouring areas for education. The IRSAD decile of 7 places Silverdale above the national median on the combined advantage-disadvantage index, meaning most residents have access to reasonable resources despite the low IEO score. Housing stress is absent by both measures: rent-to-income at 18.8% and mortgage-to-income at 22.6% are both comfortably below the 30% stress threshold. The volunteering rate of 10.2% and only 3.7% of residents needing daily assistance suggest a capable, engaged population with relatively few dependency pressures.
Drive
93.6%
Public Transport
0.4%
Walk / Cycle
1.5%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Silverdale compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Silverdale a good suburb to live in?
Silverdale suits families wanting large homes on generous lots, with 79.7% of dwellings having four or more bedrooms and 99.5% being separate houses. Household income sits in the 94.4th percentile nationally and housing stress is low, with mortgage-to-income at just 22.6%. The trade-off is near-total car dependency, as only 0.4% use public transport.
What is the median house price in Silverdale?
The median house price is $1,254,798 (2025, PSI derived). Prices were almost flat over the available data period, down just 0.1% from $1,255,500 in 2024. Weekly rent averages $500 and monthly mortgage repayments are approximately $2,600.
What schools are in Silverdale?
No schools are recorded within the Silverdale boundary in the available dataset. With 4,543 residents spread across 48.42 square kilometres, families typically access schools in surrounding areas. The local population has a university qualification rate of 20.5%, which is 9.6 points below the national figure.
Is Silverdale safe?
Detailed crime statistics are not available for Silverdale in this dataset. As an indirect measure, the suburb scores decile 7 on the IRSAD index, placing it above the national median on the combined advantage-disadvantage scale. Only 3.7% of the 4,543 residents need daily assistance, consistent with a capable, low-disadvantage community.
Is Silverdale good for property investment?
The rental market is limited, with only 10.0% of dwellings rented and a weekly rent of $500 against a $1,254,798 median, implying a gross yield near 2.1%. Vacancy of 3.2% is moderate. Active development with 134 applications in 12 months suggests ongoing growth, but low rental demand means the investment case relies primarily on capital growth.
How is Silverdale's population changing?
Active subdivision and 134 development applications in 12 months point to a growing suburb. Community stability is high: 81.6% of residents stayed put in the prior year, versus a turnover rate of 18.4%. The median age of 35 is 5 years below national, and average household size of 3.3 is 0.8 above national, indicating continued family-formation growth.
How much development is happening in Silverdale?
There were 134 development applications lodged in the past 12 months, including new dwelling houses, subdivisions and demolition-rebuild works. This activity is high for a suburb of 4,543 people and reflects Silverdale's position as an active outer-Sydney land-release area with considerable remaining developable area across its 48.42 square kilometres.
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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