Summer Hill
With a population of just 128 residents spread across 44.99 square kilometres, Summer Hill is one of NSW's most sparsely settled localities, recording a density of 2.8 persons per km2 compared to urban state norms. Yet its median house price of $1,232,000 places it well above most regional benchmarks, reflecting the premium attached to large land holdings in this rural-residential setting. Household income sits at the 71.1st percentile nationally, a figure that runs higher than the suburb's SEIFA education index decile of 4 would suggest. All dwellings are separate houses, vacancy runs at 16.3%, and 84.4% of residents stayed put over the five-year period, pointing to a stable, owner-occupier community with limited rental market activity.
Population
128
Median Age
43.0
Household IncomeiMedian weekly household income (ABS Census)
$1,906/wk
DAs (12 months)iDevelopment Applications lodged in the past year
60
Median House
$1.2M
2024-2025 (PSI derived)
Buyers here compete for a uniform stock of large rural properties, every one a separate house with 51.1% holding four or more bedrooms and 27.7% having three, because acreage lots make smaller builds uncommon. The median house price is $1,232,000 on PSI-derived data, but prices eased 3.6% from $1,245,000 in 2024 to $1,200,000 in 2025, so the market is softer than the headline figure implies. Monthly mortgage repayments average $2,550, producing a mortgage-to-income ratio of 30.9%, just above the 30% stress threshold despite household income ranking at the 71.1st percentile nationally. Tenure is split 47.5% mortgage holders versus 35.0% outright owners, indicating the buyer base skews toward working families carrying debt rather than debt-free retirees. The 16.3% vacancy rate suggests rental pressure on existing owners is minimal, which removes one traditional driver of buy-side competition.
For Buyers
Buyers here compete for a uniform stock of large rural properties, every one a separate house with 51.1% holding four or more bedrooms and 27.7% having three, because acreage lots make smaller builds uncommon. The median house price is $1,232,000 on PSI-derived data, but prices eased 3.6% from $1,245,000 in 2024 to $1,200,000 in 2025, so the market is softer than the headline figure implies. Monthly mortgage repayments average $2,550, producing a mortgage-to-income ratio of 30.9%, just above the 30% stress threshold despite household income ranking at the 71.1st percentile nationally. Tenure is split 47.5% mortgage holders versus 35.0% outright owners, indicating the buyer base skews toward working families carrying debt rather than debt-free retirees. The 16.3% vacancy rate suggests rental pressure on existing owners is minimal, which removes one traditional driver of buy-side competition.
For Investors
The rental case is thin relative to purchase prices. Weekly rent averages $300 against a $1,232,000 median, implying a gross yield well below 2%, low even by regional NSW standards, because this is primarily an owner-occupier acreage market where only 17.5% of households rent. The 16.3% vacancy rate signals rental supply exceeds demand, further compressing the yield argument. Development activity reached 58 applications in 12 months, mostly alterations, pools and demolition works rather than new dwelling supply, so stock growth is slow. Demand support comes from net internal migration of 117 residents a year, which is the primary growth engine compared to just 14 from overseas. Returns depend on long-run capital appreciation rather than rental income, and the recent 3.6% price decline below the 2024 peak of $1,245,000 suggests limited near-term capital momentum.
Development Activity
Total DAs
342
Last 12 Months
60
YoY ChangeiYear-over-year change in DA lodgements
-14.3%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Summer Hill iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Trinity Grammar School
K-12 · 2296 students
Summer Hill Public School
K-6 · 662 students
St Patrick's Catholic Primary School
K-6 · 163 students
Demographics
The resident profile is older than the national average, with a median age of 43, which is 3.0 years above national, and the trend is aging: the senior share rose 4.3 points while the working-age share fell 2.5 points over the decade. Ancestry is predominantly English (51 residents), followed by Irish (12), German (10) and Scottish (8), with no significant non-English language community recorded. University qualifications reach 23.3%, which is 6.8 points below the national figure, consistent with the trades and primary-industry workforce that dominates local employment. Average household size is 3.0, half a person above the national figure, reflecting the couples-with-children families numbering 43 against 30 couples with no children across 104 total families. Volunteering runs at 28.7%, above typical metropolitan rates, suggesting strong community participation relative to the small resident base.
Age Distribution
Bedrooms
Dwelling Structure
100.0%
Houses
N/A
Townhouse
N/A
Apartment
Tenure
The housing stock is entirely separate houses, with no apartments or semi-detached dwellings recorded, making Summer Hill one of the more uniform markets in NSW by dwelling type. The four-plus bedroom segment accounts for 51.1% of dwellings, three-bedroom for 27.7% and two-bedroom for 21.3%, oriented around family-sized rural homes rather than entry-level or downsizer product. The median house price eased from $1,245,000 in 2024 to $1,200,000 in 2025, a 3.6% decline that puts the current level 3.6% below the peak. Tenure shows 47.5% carrying a mortgage, 35.0% owning outright and 17.5% renting, with the 16.3% vacancy rate indicating soft rental demand. Mortgage-to-income at 30.9% exceeds the standard stress threshold, while rent-to-income at 15.7% stays well below 30%, a divergence showing that buying stretches household budgets far more than renting does here.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,550
Rent / wk
$300
HH Size
3.0
Personal Income / wk
$850
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
16.3%
Unoccupied
7
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
15.7%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
30.9% stressed
Community Profile
Ancestry
Household Composition
28.8%
Couples, no children
104
Total families
Economy & Employment
The local workforce combines healthcare and primary industry in proportions unusual for any market. Healthcare leads at 29.0% of employed residents (9 workers) and Agriculture follows at 25.8% (8), with Wholesale and Other Services each at 12.9% and Mining at 9.7%, reflecting both the Hunter region's resource base and the area's rural service needs. By occupation, Managers (17) outnumber Professionals (13), with Labourers (7) next, a structure that helps explain why university attainment of 23.3% runs 6.8 points below national. Unemployment is high at 9.6% and the participation rate is 53.1%, partly because 34 residents are not in the labour force in an aging community. SEIFA reads mid-tier, with IRSAD and IRSD both at decile 5, while economic resources (IER) reach decile 8, lifted by widespread house and land ownership despite lower formal qualifications. Real incomes grew 19.3% over the decade.
Unemployment
3.4%
Labour Force
4,813
Unemployed
165
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
53.2%
Part-time
37.2%
Participation
53.1%
Employed
47
Occupations
Top Industries
University
23.3%
Postgraduate
N/A
Born Overseas
N/A
Dwellings
36
Transport to Work
Daily life in Summer Hill is car-dependent by necessity, with 100% of commuters driving and no public transport or active travel recorded across the 44.99 square kilometres at 2.8 residents per km2. The suburb scores decile 5 on both IRSAD and IRSD nationally, a mid-range position indicating neither concentrated advantage nor disadvantage relative to other NSW localities. Community engagement stands out: volunteering runs at 28.7%, well above typical metropolitan rates, and only 3.7% of residents need daily assistance despite the older median age of 43. No schools are recorded inside the boundary, so families depend on institutions in nearby Hunter towns, a practical consideration for households with children. Rent-to-income at 15.7% keeps the small renter cohort comfortable relative to most markets nationally.
Drive
100.0%
Public Transport
N/A
Walk / Cycle
N/A
Work from Home
N/A
Population Forecast
+0.92%/yr
(+93 people/yr)
EstablishedSummer Hill has grown steadily, rising 14.7% over the decade and tracking from 9,770 residents in 2023 to 10,102 in 2025. Annual growth runs at 0.92%, about 93 residents per year, with medium forecasts projecting 10,531 by 2031. Internal migration is the primary driver, adding a net 117 residents a year compared to just 14 from overseas, so growth reflects domestic relocation rather than international migration. The gentrification score is 21 at the early signs stage, with population up 18% since 2011 as the key signal. Real incomes grew 19.3% over the decade, and affordability has been broadly stable, moving from 41.3% in 2011 to 42.3% in 2021, meaning prices and incomes have tracked each other without the sharp escalation seen in gentrifying urban markets. The aging trajectory, with the senior share up 4.3 points over 10 years, is the main demographic headwind.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Internal Migration
Net Overseas / yr
+14
Net Internal / yr
+117
Gentrification Signal
Early signs
Population +18% since 2011, Net internal migration +117/yr
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Summer Hill compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Summer Hill a good suburb to live in?
Summer Hill suits buyers seeking large rural properties, with 100% detached housing and 51.1% of dwellings having four or more bedrooms across 44.99 square kilometres. It scores decile 5 on IRSAD, a mid-range position nationally, and volunteering runs at 28.7%. The trade-offs are complete car dependence and no schools inside the boundary, so proximity to nearby Hunter towns matters for families.
What is the median house price in Summer Hill?
The median house price is $1,232,000 on PSI-derived 2024-2025 data, down 3.6% from the 2024 peak of $1,245,000. Monthly mortgage repayments average $2,550, representing 30.9% of household income, just above the standard 30% mortgage stress threshold. Weekly rent averages $300.
What schools are in Summer Hill?
No schools are recorded inside the 44.99 square kilometre Summer Hill locality boundary in this dataset, so families travel to schools in nearby Hunter region towns. University qualifications sit at 23.3% locally, which is 6.8 points below the national figure, consistent with the trades and primary-industry workforce that dominates employment here.
Is Summer Hill safe?
Specific crime statistics are not available for Summer Hill at this locality level. As an indirect indicator, the suburb scores SEIFA IRSD decile 5, placing it at the national median for relative disadvantage rather than in a high-disadvantage band. Only 3.7% of residents need daily assistance, consistent with a stable, low-density rural community of 128 people.
Is Summer Hill good for property investment?
Rent of $300 a week against a $1,232,000 median implies a gross yield well below 2%, low by most investor benchmarks. The 16.3% vacancy rate signals that rental supply exceeds demand in this owner-occupier market where only 17.5% of households rent. Net internal migration of 117 residents a year supports long-run demand, but the recent 3.6% price decline below the 2024 peak limits the near-term capital growth case.
How is Summer Hill's population changing?
Population reached 10,102 in 2025, up 14.7% over the decade, growing at 0.92% annually or about 93 residents per year. Medium forecasts project 10,531 by 2031. Internal migration drives growth at a net 117 arrivals per year compared to 14 from overseas. The profile is aging, with the senior share up 4.3 points over 10 years.
How much development is happening in Summer Hill?
There were 58 development applications lodged in the past 12 months, including dwelling additions, new structures, balconies, decks and swimming pools. Activity is oriented toward upgrading existing properties rather than generating new supply, consistent with an established rural area at 0.92% annual population growth where 35.0% of residents already own their homes outright.
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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