Umina Beach
With 76.9% separate houses and only 7.5% apartments, Umina Beach remains a detached-home Peninsula market rather than a high-density beach suburb. Its 17,372 residents have a median age of 44, which is 4.0 years above the national benchmark, and household income sits at the 41.8th percentile. Compared with neighbouring Woy Woy and Ettalong Beach, it reads as the house-heavy coastal option, with family housing, older households and beach access shaping demand.
Population
17,372
Median Age
44.0
Household IncomeiMedian weekly household income (ABS Census)
$1,421/wk
DAs (12 months)iDevelopment Applications lodged in the past year
188
Median House
$1.3M
12m to Jun 2026 (PSI)
Homebuyers are paying into a coastal house market where the median house price is $1,101,500, below the latest quarterly reading of $1,150,000 but still well above the 2024 trough of $1,050,000. The stock suits families because 76.9% of dwellings are separate houses and 44.0% have 3 bedrooms, with another 29.3% at 4 or more bedrooms. The trade-off is serviceability: mortgage payments of $2,100 a month sit with a mortgage-to-income burden of 34.1%, higher than the 28.1% rent-to-income figure.
For Buyers
Homebuyers are paying into a coastal house market where the median house price is $1,101,500, below the latest quarterly reading of $1,150,000 but still well above the 2024 trough of $1,050,000. The stock suits families because 76.9% of dwellings are separate houses and 44.0% have 3 bedrooms, with another 29.3% at 4 or more bedrooms. The trade-off is serviceability: mortgage payments of $2,100 a month sit with a mortgage-to-income burden of 34.1%, higher than the 28.1% rent-to-income figure.
For Investors
Umina Beach has a sizeable rental pool, with 34.1% of homes rented, almost level with 34.8% owned outright and higher than the 31.1% under mortgage. Weekly rent is $400 (2021 Census), so income returns need to be weighed against a vacancy rate of 9.3%. The stronger investor angle is redevelopment and land use change: 164 development lodgements in 12 months, including dual occupancy and multi-dwelling housing, point to active infill rather than a passive hold market.
Development Activity
Total DAs
972
Last 12 Months
188
YoY ChangeiYear-over-year change in DA lodgements
+6.8%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Umina Beach iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Umina Beach Public School
K-6 · 606 students
Brisbane Water Secondary College Umina Campus
7-9 · 787 students
Demographics
Umina Beach skews older and more locally Australian-born than the national pattern. The median age is 44, which is 4.0 years above national, while 17.4% of residents were born overseas, 4.2 percentage points below national. University attainment is 24.8%, 5.3 points below national, and average household size is 2.4, just 0.1 lower. English ancestry is prominent at 7,603 people, followed by Irish at 2,264 and Scottish at 1,884, giving the suburb a more Anglo-leaning profile than many Sydney-linked coastal areas.
Age Distribution
Bedrooms
Dwelling Structure
76.9%
Houses
13.7%
Townhouse
7.5%
Apartment
Tenure
Housing is dominated by low-rise family stock. Separate houses account for 76.9% of dwellings, compared with 13.7% semi-detached homes and 7.5% apartments. Prices have moved higher than the 2024 level, rising from $1,050,000 to $1,150,000 in 2025, a 9.5% lift over 1 year, with the latest quarter also the peak. Tenure is balanced: 34.8% own outright, 31.1% have a mortgage and 34.1% rent. Because weekly household income is $1,421, the $1,101,500 median price creates a clear affordability stretch.
Median House Price Trend
Source: State Valuer-General (12m to Jun 2026 (PSI))
Mortgage / mo
$2,100
Rent / wkiMedian weekly rent for new bonds (January to March 2026), NSW Rental Bond Board (DCJ). Census 2021 median: $400.
$615
Bond data Mar 2026 · houses $650 · units $500
HH Size
2.4
Personal Income / wk
$688
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
9.3%
Unoccupied
693
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
28.1%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
34.1% stressed
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
27.4%
Couples, no children
13,319
Total families
Economy & Employment
The local workforce leans toward care, trades and public services rather than a single CBD commuter profile. Healthcare is the largest industry at 19.9% and 944 workers, followed by construction at 12.4% and education at 10.1%. Professional and tech roles add 9.2%, while public administration contributes 7.8%. Professionals are the top occupation group at 1,411 people, ahead of clerical and admin at 987 and community or personal service at 978. Participation is 47.1% and unemployment is 6.1%, while household income at the 41.8th percentile sits below higher-income coastal markets.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
59.9%
Part-time
34.0%
Participation
47.1%
Employed
6,299
Occupations
Top Industries
University
24.8%
Postgraduate
5.6%
Born Overseas
17.4%
Dwellings
6,772
Transport to Work
Daily life is car-oriented, with 84.6% driving to work, far higher than the 4.8% using public transport and the 4.5% walking or cycling. That suits buyers prioritising beach, shops and local errands over rail commuting. Schooling is government-sector led, with 2 local schools and an ICSEA range from 966 to 1010. Umina Beach Public School has 606 students and the stronger ICSEA at 1010, while Brisbane Water Secondary College Umina Campus adds 787 secondary enrolments. The suburb works best for households comfortable with road-based access.
Drive
84.6%
Public Transport
4.8%
Walk / Cycle
4.5%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Umina Beach compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Umina Beach a good suburb to live in?
Umina Beach suits buyers wanting a coastal, house-oriented setting, with 76.9% separate houses and a population of 17,372. It is less suited to rail-first commuters, as 84.6% drive to work and only 4.8% use public transport.
What is the median house price in Umina Beach?
The median house price in Umina Beach is $1,101,500. Recent quarterly pricing moved from $1,050,000 in 2024 to $1,150,000 in 2025, a 9.5% increase, with the latest quarter also marking the peak.
What schools are in Umina Beach?
Umina Beach has 2 local government schools. Umina Beach Public School has 606 enrolments and an ICSEA of 1010, while Brisbane Water Secondary College Umina Campus has 787 enrolments and an ICSEA of 966.
Is Umina Beach safe?
Safety should be assessed street by street, especially around shops, beach access points and school travel routes. A practical check is to inspect the same address at 2 or more times of day, since no suburb-wide crime rate is available here.
Is Umina Beach good for property investment?
Umina Beach has investor interest because 34.1% of homes are rented and 164 development lodgements were recorded over 12 months. The caution is a 9.3% vacancy rate and a weekly rent of $400 (2021 Census), so yield needs careful checking.
How is Umina Beach's population changing?
Umina Beach already has 17,372 residents in 6.99 sq km, giving it a density of 2,485.9 people per sq km. Future change is likely to come through infill, supported by 164 recent development lodgements, rather than broad land expansion.
Is there much development happening in Umina Beach?
Yes. Umina Beach recorded 164 development lodgements over 12 months, including dual occupancy and multi-dwelling housing proposals. That level of activity points to ongoing redevelopment of older sites into denser housing forms.
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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