Vincentia
A median age of 50, ten years above the national figure, and a vacancy rate of 37.7% tell most of what you need to know about Vincentia. This coastal suburb on Jervis Bay draws retirees and sea-changers rather than young families, with 49% of dwellings owned outright compared to just 27% carrying a mortgage. The median house price sits at $1,175,000, placing it well above the NSW coastal average, while the IRSAD decile of 7 signals moderate-to-high relative advantage nationally. Population grew 26.7% over the decade, and forecasts project it reaching 5,497 by 2031 at roughly 73 additional residents per year.
Population
3,870
Median Age
50.0
Household IncomeiMedian weekly household income (ABS Census)
$1,550/wk
DAs (12 months)iDevelopment Applications lodged in the past year
75
Median House
$1.2M
2024-2025 (PSI derived)
The median house price is $1,175,000, and recent price history shows steady movement from $1,150,000 in 2024 to $1,190,000 in 2025, a 3.5% gain in one year. Monthly mortgage repayments average $2,000, producing a mortgage-to-income ratio of 29.8%, just below the 30% stress threshold. The stock is heavily detached at 91.6% separate houses with apartments at only 4.6%, giving buyers a straightforward choice between large freestanding homes. Four-plus bedroom dwellings dominate at 52.1% of stock, with three-bedroom homes at 36.8%, so the suburb is sized for families and owner-occupiers rather than downsizers seeking compact units. Outright owners at 49% far outnumber mortgage holders at 26.9%, suggesting a long-held, wealth-stable buyer base rather than a high-churn market.
For Buyers
The median house price is $1,175,000, and recent price history shows steady movement from $1,150,000 in 2024 to $1,190,000 in 2025, a 3.5% gain in one year. Monthly mortgage repayments average $2,000, producing a mortgage-to-income ratio of 29.8%, just below the 30% stress threshold. The stock is heavily detached at 91.6% separate houses with apartments at only 4.6%, giving buyers a straightforward choice between large freestanding homes. Four-plus bedroom dwellings dominate at 52.1% of stock, with three-bedroom homes at 36.8%, so the suburb is sized for families and owner-occupiers rather than downsizers seeking compact units. Outright owners at 49% far outnumber mortgage holders at 26.9%, suggesting a long-held, wealth-stable buyer base rather than a high-churn market.
For Investors
A 24.1% renter share and $425 weekly rent give landlords a modest tenant pool, but the investment maths requires scrutiny. Against the $1,175,000 median, that rent implies a gross yield near 1.9%, below typical investor thresholds. The 37.7% vacancy rate is the critical risk factor, well above the 3% threshold considered balanced nationally, signalling that a meaningful share of dwellings are holiday homes or secondary residences with no rental income. Development activity remains active at 73 applications in 12 months, though samples show dwelling alterations and dual occupancies rather than large new-supply projects. Net overseas migration adds 34 residents annually, while internal migration contributes 11 net, providing a thin but positive demand base. The 66.7% rent growth over the period is a positive signal, but investors need to price the vacancy risk carefully.
Development Activity
Total DAs
513
Last 12 Months
75
YoY ChangeiYear-over-year change in DA lodgements
-7.4%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Vincentia iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Vincentia Public School
K-6 · 251 students
Vincentia High School
7-12 · 927 students
Demographics
The median age of 50 is 10 years above the national figure, and the trajectory confirms ongoing aging, with the senior share rising 2.5 points and the working-age share falling 1.1 points over the decade. University qualifications reach 32.9%, which is 2.8 points above the national average, a modest edge consistent with the professional and managerial occupations prevalent here. Overseas-born residents are 19.3%, which is 2.3 points below national. Ancestry is predominantly Anglo-Celtic, led by English (1,677), Irish (481) and Scottish (476), consistent with the suburb's identity as an established coastal community. Average household size of 2.2 is 0.3 below national, reflecting the prevalence of couples-without-children households at 41.9% of all families. Volunteering stands at 20.2%, a relatively high rate that points to an engaged and locally committed resident base.
Age Distribution
Bedrooms
Dwelling Structure
91.6%
Houses
3.8%
Townhouse
4.6%
Apartment
Tenure
Tenure in Vincentia is dominated by outright ownership at 49%, nearly double the mortgage-holder share of 26.9%, and renters make up 24.1%. This split is unusual for a suburb with a $1,175,000 median and points to wealth accumulated over long hold periods rather than recent leveraged purchases. Separate houses account for 91.6% of stock, well above NSW coastal norms, with apartments at just 4.6% and semi-detached at 3.8%. Four-plus bedroom homes dominate at 52.1%, with three-bedroom dwellings at 36.8%, giving the suburb a family-sized footprint even as the resident profile skews older. Price moved from $1,150,000 in 2024 to $1,190,000 in 2025, a 3.5% gain. Rent-to-income at 27.4% and mortgage-to-income at 29.8% both sit below the 30% stress threshold.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,000
Rent / wk
$425
HH Size
2.2
Personal Income / wk
$797
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
37.7%
Unoccupied
964
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
27.4%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
29.8%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
41.9%
Couples, no children
2,983
Total families
Economy & Employment
The local workforce concentrates in public administration (20.9%, 257 workers), healthcare (17.4%, 213) and education (15.3%, 188), a distribution typical of regional coastal towns anchored by government services. Construction accounts for 10.6% and professional and technical services 8.6%. By occupation, professionals lead at 479 workers, followed by managers at 259, which aligns with the SEIFA IEO decile 7 score for education and occupation advantage. The participation rate is 48.2%, below national norms because the older age structure leaves 1,427 residents outside the labour force. Unemployment is 3.8%, near the national average. Real incomes grew 26.5% over the decade, a stronger pace than many comparable coastal suburbs.
Unemployment
2.0%
Labour Force
2,252
Unemployed
44
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
60.0%
Part-time
36.2%
Participation
48.2%
Employed
1,520
Occupations
Top Industries
University
32.9%
Postgraduate
9.6%
Born Overseas
19.3%
Dwellings
1,590
Transport to Work
Car dependence is pronounced, with 90.4% of residents driving to work compared to the national figure that typically runs 15 to 20 points lower, which reflects the limited public transport in this coastal setting. Only 0.4% use public transport. Walking and cycling account for 5.2% of commutes, above what many regional suburbs record. The IRSAD decile of 7 places Vincentia in the upper-middle advantage tier nationally, and IRSD decile 8 signals low relative disadvantage. Only 5.4% of residents, around 199 people, need daily assistance despite the high median age of 50. No schools are recorded within Vincentia's boundary in this dataset, so families rely on nearby facilities in the broader Shoalhaven area. The 37.7% vacancy rate points to a large secondary-dwelling stock, typical of holiday-oriented coastal suburbs.
Drive
90.4%
Public Transport
0.4%
Walk / Cycle
5.2%
Work from Home
N/A
Population Forecast
+1.45%/yr
(+73 people/yr)
EstablishedVincentia grew 26.7% over the ten years to 2021, a strong pace for an established coastal area, and annual growth is now tracking at 1.45%, adding around 73 residents per year. The medium forecast projects the population rising from 5,048 in 2025 to 5,497 by 2031. The primary growth driver is balanced, with net overseas migration averaging 34 per year and net internal migration of 11. The gentrification score sits at 66 with a classification of Active, supported by signals including the 27% population rise and accelerating renovation activity captured in development applications. Affordability has worsened, with the affordability ratio moving from 47.2 in 2011 to 50.5 in 2021, meaning incomes have not kept pace with property price growth compared to the baseline period.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Balanced
Net Overseas / yr
+34
Net Internal / yr
+11
Gentrification Signal
Early signs
Population +27% since 2011, Accelerating: 8% → 18%
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Vincentia compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Vincentia a good suburb to live in?
Vincentia ranks in IRSAD decile 7 and IRSD decile 8 nationally, placing it in the upper-middle advantage tier. Household income sits at the 49.3rd percentile. The main trade-offs are a $1,175,000 median house price, a 37.7% vacancy rate pointing to a large holiday-home stock, and near-total car dependence with public transport usage at just 0.4%.
What is the median house price in Vincentia?
The median house price is $1,175,000 as of the 2024-2025 period. Prices rose 3.5% from $1,150,000 in 2024 to $1,190,000 in 2025. Monthly mortgage repayments average $2,000, and the mortgage-to-income ratio of 29.8% sits just below the 30% stress threshold.
What schools are in Vincentia?
No schools are recorded inside Vincentia's boundary in this dataset. Families rely on schools in nearby Jervis Bay area and the broader Shoalhaven LGA. University qualification rates in the suburb reach 32.9%, which is 2.8 points above the national average, suggesting residents are generally well-educated despite travelling to access schools.
Is Vincentia safe?
Detailed crime statistics are not available for Vincentia in this dataset. As an indirect indicator, the suburb scores IRSD decile 8 nationally, placing it in the low-disadvantage tier, and only 5.4% of its approximately 3,870 residents need daily assistance, both consistent with a stable, low-disadvantage coastal community.
Is Vincentia good for property investment?
The 37.7% vacancy rate is the central risk, well above the 3% balanced threshold, indicating a large holiday-home component with inconsistent rental income. Weekly rent of $425 against a $1,175,000 median gives a gross yield near 1.9%. Rent grew 66.7% over the period, and population is forecast to reach 5,497 by 2031, providing a positive long-term demand signal. Capital growth rather than yield is the more likely return driver.
How is Vincentia's population changing?
Population grew 26.7% over the decade to 2021 and is now tracking at 1.45% annually, adding about 73 residents per year. The medium forecast projects growth from 5,048 in 2025 to 5,497 by 2031. Net overseas migration averages 34 per year and net internal migration adds 11. The profile is aging, with the senior share up 2.5 points over the decade.
How much development is happening in Vincentia?
There were 73 development applications lodged in the past 12 months. Recent samples include dual occupancy projects and dwelling alterations, consistent with an established suburb adapting existing stock rather than generating major new supply. The active gentrification score of 66 reflects ongoing renovation and investment activity in the suburb.
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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