Springfield
A population of 4,310 packed into 4.59 km2 gives Springfield a density of 940 residents per km2, higher than most Central Coast localities at this price point. The median house price of $967,750 sits well above the national median, yet mortgage-to-income sits at 24.4%, below the 30% stress threshold because household income lands in the 75th percentile nationally. The suburb runs nearly all detached housing, at 96.7%, with negligible apartment supply. Identity signals point to an established mortgage-belt area with an aging trajectory, where 81.3% of residents stayed put between 2016 and 2021, indicating a stable, settled population rather than a transient rental market.
Population
4,310
Median Age
37.0
Household IncomeiMedian weekly household income (ABS Census)
$2,008/wk
DAs (12 months)iDevelopment Applications lodged in the past year
38
Median House
$968K
2024-2025 (PSI derived)
The median house price is $967,750, rising 5.1% from $938,000 in 2024 to $986,100 in 2025. Monthly mortgage repayments average $2,120, and at a mortgage-to-income ratio of 24.4%, Springfield remains below the 30% stress threshold compared to many Sydney-adjacent markets. The stock is almost entirely detached houses at 96.7%, with only 0.9% apartments. Bedroom composition skews large: 41.6% of dwellings have 4 or more bedrooms and 47.7% have 3, so buyers targeting family-sized homes will find plentiful options rather than the scarcity that compresses choices in higher-density suburbs. Outright owners at 26.8% signal a cohort of long-hold, debt-free residents, which can slow turnover and reduce listing frequency.
For Buyers
The median house price is $967,750, rising 5.1% from $938,000 in 2024 to $986,100 in 2025. Monthly mortgage repayments average $2,120, and at a mortgage-to-income ratio of 24.4%, Springfield remains below the 30% stress threshold compared to many Sydney-adjacent markets. The stock is almost entirely detached houses at 96.7%, with only 0.9% apartments. Bedroom composition skews large: 41.6% of dwellings have 4 or more bedrooms and 47.7% have 3, so buyers targeting family-sized homes will find plentiful options rather than the scarcity that compresses choices in higher-density suburbs. Outright owners at 26.8% signal a cohort of long-hold, debt-free residents, which can slow turnover and reduce listing frequency.
For Investors
Rental demand is supported by a 28.2% renter share and a weekly rent of $390, but gross yield against the $967,750 median is modest at roughly 2.1%. The vacancy rate of 3.5% is slightly above the 3% balance point, suggesting mild oversupply in the rental pool rather than a constrained market. Development activity is active with 33 applications lodged in the past 12 months, predominantly modifications and secondary dwellings, indicating organic infill rather than large new supply. Migration is balanced, with net internal inflow of 84 and overseas inflow of 92 per year. Rent grew 13.2% over the observed period, above inflation, which supports future rental income growth compared to stagnant yield suburbs.
Development Activity
Total DAs
187
Last 12 Months
38
YoY ChangeiYear-over-year change in DA lodgements
+35.7%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Springfield iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Chertsey Primary School
K-6 · 125 students
Demographics
The median age of 37 is 3.0 years below the national figure, making Springfield younger than the national average despite an aging trajectory where the senior share rose 3.6 points over the decade. University qualifications reach 32.5%, which is 2.4 percentage points above national. The overseas-born share of 16.2% is 5.4 points below national, reflecting a predominantly locally born population. Ancestry is Anglo-Celtic led by English (1,803), Irish (523) and Scottish (455). Average household size of 2.8 is 0.3 above national, consistent with the high proportion of couples with children, who make up the largest family group. The volunteering rate of 15.9% indicates a moderately engaged community.
Age Distribution
Bedrooms
Dwelling Structure
96.7%
Houses
2.4%
Townhouse
0.9%
Apartment
Tenure
Tenure splits across 26.8% owned outright, 44.9% mortgaged and 28.2% renting. The high mortgage share of 44.9% confirms the mortgage-belt character, with most owner-occupiers still carrying debt rather than holding free and clear. The stock is overwhelmingly detached: 96.7% separate houses versus 0.9% apartments and 2.4% semi-detached. Four-plus bedroom homes at 41.6% and three-bedroom at 47.7% mean that smaller dwellings are rare, which compresses choice for buyers seeking entry-level stock. Price moved from $938,000 in 2024 to $986,100 in 2025, a 5.1% gain. The mortgage-to-income ratio of 24.4% is below the state and national stress benchmarks, meaning the current price level remains serviceable for median-income households in the suburb.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,120
Rent / wk
$390
HH Size
2.8
Personal Income / wk
$805
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
3.5%
Unoccupied
55
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
19.4%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
24.4%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
21.6%
Couples, no children
3,653
Total families
Economy & Employment
Healthcare dominates the local workforce at 23.2% (349 workers), well above the national industry share, followed by Education at 12.8% (192) and Construction at 11.2% (169). Professional/Tech and Public Admin each contribute around 8-9%, rounding out a services-heavy profile. By occupation, Professionals lead at 546, followed by Community/Personal at 295 and Clerical/Admin at 282. The unemployment rate of 5.1% is moderate, and the full-time employment rate of 60.2% reflects a mixed full-time and part-time workforce. SEIFA shows an IER decile of 8, indicating strong economic resources, while the IRSAD and IEO both sit at decile 5, placing the suburb at the national median on advantage and education/occupation. The divergence between high IER and mid-range IEO suggests that household wealth derives more from property equity than from high-skill professional incomes.
Unemployment
2.6%
Labour Force
5,051
Unemployed
131
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
60.2%
Part-time
34.7%
Participation
58.3%
Employed
1,908
Occupations
Top Industries
University
32.5%
Postgraduate
6.9%
Born Overseas
16.2%
Dwellings
1,520
Transport to Work
Springfield is heavily car-dependent: 89.6% of residents drive to work, compared to the national average where public transport use is considerably higher. Public transport captures only 1.6% of commuters, and walking or cycling accounts for 1.2%, which reflects limited transit infrastructure for the area. No schools are recorded inside the suburb boundary, so families depend on facilities in neighbouring localities within the 2250 postcode. Crime data is not available for this suburb. The IRSAD decile of 5 places Springfield at the national median on socioeconomic advantage, and rent-to-income at 19.4% is below the 30% stress level, keeping housing affordable for tenants relative to national benchmarks. The need-for-assistance rate of 6.2% is close to the national figure, indicating no unusual care burden.
Drive
89.6%
Public Transport
1.6%
Walk / Cycle
1.2%
Work from Home
N/A
Population Forecast
+1.78%/yr
(+152 people/yr)
EstablishedPopulation growth runs at 1.78% annually, adding roughly 152 residents per year, above the national average for established suburbs. Over 10 years the population grew 10.6%, and the medium forecast projects the population to reach 9,313 by 2031 from around 8,537 in 2025. Migration is balanced between internal inflow of 84 and overseas inflow of 92 annually, providing a stable dual-channel demand base. The gentrification assessment reads early signs, with signals including 24% population growth since 2011 and accelerating professional share from 3% to 21%. Affordability has improved, with mortgage-to-income falling from 45.3% in 2011 to 41.9% in 2021. The young-share declined 4.3 points while the senior share rose 3.6 points, a pattern consistent with an aging-trajectory suburb that is filling with established families rather than attracting new young arrivals.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Balanced
Net Overseas / yr
+92
Net Internal / yr
+84
Gentrification Signal
Early signs
Population +24% since 2011, Net internal migration +84/yr, Accelerating: 3% → 21%
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Springfield compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Springfield a good suburb to live in?
Springfield suits families and established owner-occupiers well. The mortgage-to-income ratio of 24.4% is below the 30% stress threshold, household income sits in the 75th percentile nationally, and 96.7% of dwellings are detached houses with 3 or more bedrooms. The main trade-offs are limited public transport at 1.6% usage and no recorded schools within the suburb boundary.
What is the median house price in Springfield?
The median house price is $967,750, up 5.1% from $938,000 in 2024 to $986,100 in 2025. Monthly mortgage repayments average $2,120, giving a mortgage-to-income ratio of 24.4%. Weekly rent averages $390.
What schools are in Springfield?
No schools are recorded inside the Springfield suburb boundary in this dataset. Families rely on schools in adjacent localities within the 2250 postcode area. The suburb has a university qualification rate of 32.5%, which is 2.4 points above the national figure.
Is Springfield safe?
Detailed crime rate data is not available for Springfield in this dataset. As a proxy, the suburb scores IRSAD decile 5 (national median on socioeconomic advantage) and only 6.2% of residents, or about 257 people, need daily assistance, neither figure suggesting elevated disadvantage linked to higher crime risk.
Is Springfield good for property investment?
Springfield offers steady capital growth with prices up 5.1% in one year and population growth at 1.78% annually. Gross rental yield is modest at roughly 2.1% against the $967,750 median and $390 weekly rent. Vacancy is 3.5%, slightly above the 3% balance point. The medium population forecast projects 9,313 residents by 2031, adding incremental demand.
How is Springfield's population changing?
Population grows at 1.78% per year, adding about 152 residents annually, above the rate typical for established NSW suburbs. Over 10 years the suburb grew 10.6%. The medium forecast puts the population at 9,313 by 2031. Migration is balanced, with internal inflow of 84 and overseas inflow of 92 per year.
How much development is happening in Springfield?
There were 33 development applications lodged in the past 12 months. Recent samples include dwelling modifications, alterations and additions, and a secondary dwelling complying development certificate. The activity reflects organic infill and home improvement rather than large-scale new supply, consistent with an established suburb at 96.7% separate houses.
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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