St Huberts Island
A median house price of $1,960,000 on an island of just 0.54 square kilometres tells most of the story. St Huberts Island holds 1,080 residents with a median age of 58, which is 18 years above the national figure, making it one of the most distinctly aged communities on the Central Coast. Car dependence is near-total at 95.9% of commuters, reflecting the island geography. Vacancy sits at 12.9%, a signal that a notable share of dwellings serve as holiday or investment properties rather than permanent homes. Almost 62% of households own outright, far above the national average, pointing to long-established, wealth-holding owner-occupiers rather than a market driven by new buyers.
Population
1,080
Median Age
58.0
Household IncomeiMedian weekly household income (ABS Census)
$1,605/wk
DAs (12 months)iDevelopment Applications lodged in the past year
13
Median House
$2.0M
2024-2025 (PSI derived)
The median house price of $1,960,000 places St Huberts Island well above the broader Central Coast market. Prices peaked at $2,133,500 in 2024 before easing 8.6% to $1,950,000 in 2025. The stock is almost entirely detached houses at 97.7%, with no apartments, so supply is structurally constrained. The bedroom profile leans large: 57.3% of dwellings have four or more bedrooms and 39.5% have three. Monthly mortgage repayments average $2,800, and the mortgage-to-income ratio of 40.3% sits above the 30% stress threshold, meaning buyers carry meaningful repayment pressure relative to local incomes.
For Buyers
The median house price of $1,960,000 places St Huberts Island well above the broader Central Coast market. Prices peaked at $2,133,500 in 2024 before easing 8.6% to $1,950,000 in 2025. The stock is almost entirely detached houses at 97.7%, with no apartments, so supply is structurally constrained. The bedroom profile leans large: 57.3% of dwellings have four or more bedrooms and 39.5% have three. Monthly mortgage repayments average $2,800, and the mortgage-to-income ratio of 40.3% sits above the 30% stress threshold, meaning buyers carry meaningful repayment pressure relative to local incomes.
For Investors
Only 8.9% of residents rent, so the tenant pool is narrow compared to mainland suburbs. Weekly rent of $560 against a $1,960,000 median implies a gross yield below 1.5%, low even by premium coastal standards. The 12.9% vacancy rate signals a material holiday-property component where dwellings sit idle for extended periods. Only 13 development applications were lodged in the past 12 months, all alterations or single new dwellings, so no supply overhang is forming. The investment case is capital-preservation oriented rather than yield-driven, suited to buyers who value island scarcity over rental income.
Development Activity
Total DAs
126
Last 12 Months
13
YoY ChangeiYear-over-year change in DA lodgements
-31.6%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 58 is 18 years above the national figure, the sharpest identifier of the island's character. Only 41.6% of residents participate in the labour force, with 468 people outside the workforce entirely, reflecting a large retirement cohort. Overseas-born residents at 20.0% sit 1.6 percentage points below the national rate; ancestry is Anglo-Celtic led, with English (465), Irish (120) and Scottish (105) dominating. University qualifications at 23.0% are 7.1 points below national. Average household size of 2.3 is below the national figure, consistent with the couples-without-children pattern at 43.8% of families.
Age Distribution
Bedrooms
Dwelling Structure
97.7%
Houses
2.3%
Townhouse
N/A
Apartment
Tenure
Outright ownership at 61.8% is well above the national average, meaning most homeowners hold their property debt-free. Only 29.4% carry a mortgage and 8.9% rent, a tenure split that reflects an older, wealth-holding community. The stock is almost exclusively separate houses (97.7%), with four-plus bedroom homes at 57.3% dominating. Prices fell 8.6% from $2,133,500 in 2024 to $1,950,000 in 2025. The 12.9% vacancy rate is above typical residential norms, pointing to a dual-use pattern where some owners treat the property as a second home rather than a primary residence.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,800
Rent / wk
$560
HH Size
2.3
Personal Income / wk
$753
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
12.9%
Unoccupied
66
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
34.9% stressed
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
40.3% stressed
Community Profile
Ancestry
Household Composition
43.8%
Couples, no children
893
Total families
Economy & Employment
Construction leads industry employment at 21.3% (65 workers), disproportionately high and likely reflecting both island renovation activity and tradespeople commuting to the broader Central Coast. Healthcare follows at 13.8% (42 workers) and Retail at 9.2%. Professionals (99) and Managers (75) lead by occupation, consistent with a retired-professional base. The unemployment rate is 3.3%, but participation is only 41.6%, meaning most non-workers have left the workforce rather than being unemployed. Weekly household income of $1,605 sits at the 52.8th percentile nationally, moderate relative to the premium house prices because a retired cohort's income understates its wealth.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
62.6%
Part-time
34.1%
Participation
41.6%
Employed
382
Occupations
Top Industries
University
23.0%
Postgraduate
6.2%
Born Overseas
20.0%
Dwellings
444
Transport to Work
Car dependency at 95.9% is higher than the national average because no meaningful public transport serves the causeway-linked location. The volunteering rate of 14.1% is solid for a community of 1,080, reflecting social cohesion among long-term residents. About 5.8% of residents need daily assistance, above national norms and consistent with the elderly median age of 58. No schools are recorded within the suburb boundary, so families travel to the mainland for schooling. Crime data is unavailable for this locality. The 0.54 square kilometre footprint makes the island itself compact, but all external services and amenities require driving across the causeway.
Drive
95.9%
Public Transport
N/A
Walk / Cycle
N/A
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How St Huberts Island compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is St Huberts Island a good suburb to live in?
St Huberts Island suits retired or semi-retired buyers seeking a quiet waterfront lifestyle on a 0.54 square kilometre island. The median age of 58 is 18 years above the national figure, 61.8% of owners hold their homes debt-free and 82.2% of residents stayed in the same address over the survey period, all pointing to high residential satisfaction among the established community.
What is the median house price in St Huberts Island?
The median house price is $1,960,000, based on 2024-2025 data. Prices peaked at $2,133,500 in 2024 and eased 8.6% to $1,950,000 in 2025. Monthly mortgage repayments average $2,800, and weekly rent is $560.
What schools are in St Huberts Island?
No schools are recorded inside the St Huberts Island boundary. With only 1,080 residents across 0.54 square kilometres, families rely on schools in neighbouring Central Coast suburbs accessible via the causeway. The island's median age of 58 means school-aged children make up a small share of the population.
Is St Huberts Island safe?
Detailed crime statistics are not available for St Huberts Island. As indirect indicators, the community has a 14.1% volunteering rate and 82.2% of residents remained at the same address over the reference period, both consistent with a stable, low-turnover neighbourhood. The small population of 1,080 and island geography also limit exposure to high-traffic crime patterns.
Is St Huberts Island good for property investment?
Weekly rent of $560 against a $1,960,000 median implies a gross yield below 1.5%, and the 12.9% vacancy rate signals a significant holiday-property component. Only 8.9% of residents rent, so the tenant pool is thin. Investment returns depend on capital growth rather than rental income, and prices fell 8.6% from the 2024 peak, making entry timing important.
How is St Huberts Island's population changing?
Population growth data is limited, but the stability indicators are clear: 82.2% of residents stayed at the same address and only 17.8% turned over. The median age of 58, which is 18 years above national, and a 41.6% labour force participation rate point to a community aging in place rather than attracting younger in-migrants at scale.
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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