Speers Point
Nearly 4 in 10 Speers Point homes are owned outright, while another 36.2% are held with a mortgage, giving the suburb a strongly established owner-occupier base. The 3,400 residents live across just 3.06 sq km, and the median age of 45 is 5.0 years above the national level. Household income sits at the 62.1st percentile nationally. Compared with nearby Boolaroo and Warners Bay, Speers Point is defined by detached housing, mature households and a compact, relatively stable residential setting close to Lake Macquarie facilities.
Population
3,400
Median Age
45.0
Household IncomeiMedian weekly household income (ABS Census)
$1,766/wk
DAs (12 months)iDevelopment Applications lodged in the past year
88
Speers Point suits buyers seeking established houses rather than apartment-led housing, because 80.0% of dwellings are separate houses and only 3.4% are apartments. The bedroom mix is practical for families, with 42.8% of homes containing 3 bedrooms and 33.9% containing 4 or more. A monthly mortgage of $2,167 compares with weekly rent of $393, while mortgage payments represent 28.3% of household income versus 22.3% for rent. Compared with a more transient or apartment-oriented market, the 39.6% outright ownership rate and 36.2% mortgage rate point to a settled buyer base, although detached-house competition may remain stronger than for smaller dwellings.
For Buyers
Speers Point suits buyers seeking established houses rather than apartment-led housing, because 80.0% of dwellings are separate houses and only 3.4% are apartments. The bedroom mix is practical for families, with 42.8% of homes containing 3 bedrooms and 33.9% containing 4 or more. A monthly mortgage of $2,167 compares with weekly rent of $393, while mortgage payments represent 28.3% of household income versus 22.3% for rent. Compared with a more transient or apartment-oriented market, the 39.6% outright ownership rate and 36.2% mortgage rate point to a settled buyer base, although detached-house competition may remain stronger than for smaller dwellings.
For Investors
The investment case is supported by a 22.8% renter share, weekly rent of $393 and 84 development matters recorded over 12 months. The 7.4% vacancy rate suggests tenants may have more choice than in a tighter rental market, so property condition, parking and exact location will matter when competing for demand. Compared with suburbs where renters form the majority of households, Speers Point has a more owner-occupier-led profile, which can reduce rental depth but may support lower turnover. Recent activity includes dwelling work, subdivision, alterations and carport applications, so investors should check whether future supply is concentrated in new homes or small-scale upgrades.
Development Activity
Total DAs
430
Last 12 Months
88
YoY ChangeiYear-over-year change in DA lodgements
+4.8%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Speers Point
Open-register school locations for education access. This is not a school-quality ranking.
Demographics
Speers Point has an older resident profile, with a median age of 45, or 5.0 years above the national comparison. Overseas-born residents account for 12.4%, which is 9.2 percentage points below the national share, reinforcing an Anglo-leaning profile. Reported ancestries include English at 1,466 people, Irish at 456 and Scottish at 424, while Christianity is recorded for 1,768 residents and no religion for 1,295. The average household size of 2.4 is 0.1 below the national figure. Compared with more culturally mixed parts of the Lake Macquarie area, the suburb appears more established, with 78.1% of residents staying at the same address and a 21.9% turnover rate.
Age Distribution
Bedrooms
Dwelling Structure
80.0%
Houses
16.2%
Townhouse
3.4%
Apartment
Tenure
Housing is overwhelmingly detached, with separate houses accounting for 80.0% of dwellings, followed by semi-detached homes at 16.2% and apartments at 3.4%. The 3-bedroom category leads at 42.8%, while 4 or more bedrooms account for 33.9%, so larger family homes are more common than compact dwellings. Tenure is also relatively settled: 39.6% of homes are owned outright, 36.2% have a mortgage and 22.8% are rented. Compared with an apartment-heavy precinct, Speers Point offers more land-based housing but fewer obvious small-dwelling options. Mortgage-to-income is 28.3%, higher than rent-to-income at 22.3%, without either stress flag being triggered.
Mortgage / mo
$2,167
Rent / wkiMedian weekly rent for new bonds (April to June 2026), NSW Rental Bond Board (DCJ). Census 2021 median: $393.
$680
Bond data Jun 2026 · houses $750 · units $530
HH Size
2.4
Personal Income / wk
$851
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
7.4%
Unoccupied
107
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
22.3%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
28.3%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
38.9%
Couples with children
42.8%
Couples, no children
17.1%
Single parent
970
Total families
Economy & Employment
Healthcare is Speers Point's largest listed employment industry, accounting for 22.6% or 267 workers, followed by Education at 12.3% and 146 workers. Construction contributes 11.3% and 134 workers, Professional and Technical services 9.0% and 107 workers, and Public Administration 6.9% and 82 workers. The leading occupations are Professionals at 422 people, Clerical and Administrative workers at 224, Managers at 220 and Trades workers at 210. Healthcare's 22.6% share is higher than every other listed industry, giving the local workforce a clear service-sector anchor. Compared with a purely commuter economy, the 59.9% participation rate, 57.3% full-time rate and 3.7% unemployment rate indicate a broad mix of work patterns.
Unemployment
3.7%
Labour Force
1,703
Unemployed
63
Source: ABS Census 2021
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
57.3%
Part-time
35.3%
Participation
59.9%
Employed
1,640
Full-time and part-time are shares of the employed. Source: ABS Census 2021
Occupations
Top Industries
University
32.3%
Postgraduate
7.6%
Born Overseas
12.4%
Dwellings
1,354
Transport to Work
Speers Point is compact, with 3,400 residents across 3.06 sq km and a density of 1,112.7 people per sq km. Daily travel is strongly car-oriented: 65.3% drive to work, compared with 0.7% using public transport and 1.3% walking or cycling. The 29.3% working-from-home rate may reduce commuting pressure for some households. Families have access to one named local school, Speers Point Public School, a government primary school; enrolment zones should be checked against the exact address. Compared with a rail-oriented suburb, transport independence is more important here. No suburb-level crime rate or SEIFA decile is available, so safety should be assessed using current NSW Police records and the specific street.
Drive
65.3%
Public Transport
0.7%
Walk / Cycle
1.3%
Work from Home
29.3%
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Speers Point compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Speers Point a good suburb to live in?
Speers Point can suit households wanting detached housing, established neighbours and a compact Lake Macquarie setting. The median age is 45, density is 1,112.7 people per sq km and 80.0% of homes are separate houses. Compared with a higher-density suburb, it is more car-dependent, with 65.3% driving and only 0.7% using public transport.
What is the median house price in Speers Point?
A current median house price is not stated for Speers Point. Buyers can still frame the local market through its housing mix: 80.0% of dwellings are separate houses, 42.8% have 3 bedrooms and 33.9% have 4 or more. Compared with apartment-oriented areas, these proportions suggest that house listings and land size will be more relevant than unit pricing.
What schools are in Speers Point?
Speers Point Public School is the named local school, and it is a government primary school. Families should confirm the catchment for the exact address, as enrolment boundaries can differ across nearby streets. Compared with a suburb with several school sectors, Speers Point has 1 clearly identified local school and a housing profile dominated by 80.0% separate houses.
Is Speers Point safe?
No suburb-level crime rate is available, so Speers Point cannot be ranked numerically against NSW or Australia for safety. The suburb covers 3.06 sq km and has 3,400 residents, making street-level conditions important. Compare current NSW Police records with nearby streets and inspect the address at different times before making a decision.
Is Speers Point good for property investment?
Speers Point has an established rental market, with weekly rent of $393, a 22.8% renter share and a 7.4% vacancy rate. There were 84 development matters over 12 months, which may create both renovation opportunities and additional competition. Compared with a renter-dominated suburb, the owner-occupier base is stronger, with 39.6% owning outright and 36.2% holding a mortgage.
How is Speers Point's population changing?
Speers Point has 3,400 residents today, with 78.1% staying at the same address and a 21.9% turnover rate. Eighty-four development matters over 12 months indicate active household investment, including dwelling and subdivision work. Compared with a highly transient suburb, the retention rate suggests gradual change rather than wholesale replacement, but long-range growth should be checked against current regional forecasts.
What development is occurring in Speers Point?
There were 84 development matters over 12 months. The recent examples include a 1-dwelling complying development, a subdivision with alterations and additions, and a new carport. Compared with a major estate release, this points to small-scale, property-by-property change. Buyers and investors should check approvals, timing and the effect on parking or neighbouring lots before relying on the pipeline.
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 education open registers (school locations), 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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