Umina Beach
NSWUmina Beach is a stable suburb in NSW with 17,372 residents.
- SAL code
- 14025
- SA2
- 102011040
- Population
- 17,372
Umina Beach, NSW had 17,372 residents at the 2021 Census, with the broader statistical area showing a 0.7% growth over the last five years. The predominant age group is 45-54 years, and the median age sits at 44. Households are most often couples without children, and those with a mortgage repay a median of $2,100 a month. Around 63.6% of homes are owner-occupied, with the largest single tenure being owned outright at 33.6%. Most dwellings are separate houses, making up 78.4% of the suburb's housing stock. The suburb has 23 parks and reserves mapped within its boundary. Source: ABS Census 2021 and Estimated Resident Population, with amenity counts from state Open Data and OpenStreetMap.
Suburb analysis
Umina Beach, NSW at a glance
Umina Beach is a Central Coast peninsula suburb ~80 km north of Sydney, sitting between Brisbane Water National Park and the Pacific Ocean within Central Coast Council. Long a sea-change destination of weatherboard cottages and post-war fibros, it's increasingly being rebuilt as permanent family housing. The data tiles below cover the demographic baseline; this card adds the live market, lifestyle, and council context they don't.
For homebuyers
Umina Beach is the largest of the Peninsula suburbs and trades on its 3 km golden surf beach, Brisbane Water National Park backdrop, and a working main street (West Street) of cafes, surf shops, and independents that still feels like a beach town rather than a strip mall. Most of the housing stock is single-storey weatherboard or post-war fibro on flat blocks, with steady knock-down-rebuild activity adding modern coastal homes. The Peninsula Recreation Precinct on Sydney Avenue anchors organised sport. Woy Woy station — the express stop to Sydney (~75 min to Central) and Newcastle — sits ~5 km north, with regular Busways services into it. Brisbane Water Secondary College's Umina Campus (Years 7-9) and Umina Beach Public are the in-suburb schools; Ettalong's village and ferry terminal are a 5-minute drive east. In short: a flat, walkable beach town with genuine main-street character and an express-train link to Sydney via Woy Woy.
For investors
Umina Beach is a low-yield, capital-growth coastal market that has held up well post-sea-change. Median house $1,255,000 with $653/week rent gives a ~2.5-3.2% gross yield depending on source (Your Investment Property / htag, April 2026). 12-month house growth +9.13% (units -1.71%); 272 house and 80 unit sales in the past year on ~46-48 days on market. Vacancy is tight at ~1.17%, with median hold periods near 11.8 years constraining turnover.
Strengths
- Tight rental market — vacancy ~1.17% (htag April 2026) with sub-50 days on market for houses.
- Sustained house growth (~+9.1% YoY) on a high absolute base — $1.255M median.
- Long hold periods (~11.8 years) and limited stock-on-market (~0.33%) point to constrained resale supply.
- Genuine lifestyle anchor — beachfront + national park + express rail to Sydney via Woy Woy — supports owner-occupier demand.
Trade-offs
- Yield is low — ~2.5-3.2% gross on houses; not a cashflow market.
- Unit segment is soft — median $860,000 with -1.71% 12-month growth (htag April 2026).
- Entry price is high (~$1.25M house median) on a beachy, flood- and storm-exposed peninsula — insurance + maintenance costs trend higher than inland NSW averages.
- Holiday-rental seasonality and a meaningful retiree share mean tenant pool depth varies by school catchment vs. waterfront pocket.
What's coming
Central Coast Council's $176M 2025/26 Capital Works program funds the Peninsula Recreation and Active Lifestyle Precinct upgrade at Umina sportsground — new amenities buildings at Etta Road and Melbourne Avenue, plus reconstruction of the Sydney Avenue access road to Ocean Beach Caravan Park with new stormwater drainage to address ponding. Backed by an $8.25M Federal Community Development grant.
Bottom line
For homebuyers: a flat, walkable beach town with proper main-street character and an express-rail link to Sydney. For investors: a long-hold capital-growth coastal play, not a yield play.
Population
?17,372
Suburb · Census 2021
5-Year Growth
+0.7%
3yr: +0.7% · 10yr: +4.6%
SA2 · 5yr
Household Income
$1,421/wk
Suburb · Census 2021 median
Median Age
44
Suburb · Census 2021
Socio-Economic Index
?4/10
SA2 · middle-range
Unemployment
?4.2%
SA2 · Q4 2025
Schools
1
1 primary
Hospitals
No data for this suburb
Childcare services
?2
1 long day, 1 OSHC
Parks & green space
?23
Parks, reserves
Transport stops
?93
GTFS stops
Dwelling approvals
No data for this suburb
Median Weekly Rent
Based on NSW rental bond lodgements, aggregated at postcode level. All SALs sharing this postcode show the same median.
Median House Sale Price
Source: state Valuer-General (suburb-level quarterly medians).
→ Calculate stamp duty on this suburb's median price→ Estimate mortgage repayments→ Calculate rental yield (price + median rent)
Safety & Crime
2025 Q4Reported incidents from NSW police. Offence rates may not reflect all crime.
Population over time — Umina - Booker Bay - Patonga (SA2)
ABS publishes annual estimates only at SA2; Umina Beach suburb alone is ~17,372 (Census 2021).
Source: ABS ERP (latest release · 2025) · Census 2021. Numbers refreshed quarterly.
Growth at a Glance
Population grew from 22,465 to 25,057 over 24 years, averaging 0.5% per year.
Schools
2 in suburbSector
2 public
Type
1 primary · 1 secondary
Total enrolment
1,393
Avg per school
697
Government school catchment
Intake zonePrimary
Umina Beach PS50.8%
- Woy Woy SPS 36.8%
- Ettalong PS 12.3%
Secondary
BWSC Woy Woy99.9%
- BWSC Umina 99.9%
Source: NSW Department of Education — School Intake Zones. Boundaries can be amended without notice; confirm with the school before relying on enrolment.
Profile
Census snapshot
Housing
Public housing 0.8%Almost entirely detached houses (78.4%), mixed tenure (63.6% own or mortgage), built for families (44% are 3 bed).
Dwelling mix
Tenure
NSW 33%
Number of bedrooms
Bushfire risk
Source: NSW RFS BFPL via SEED
As of May 2026
Overlap is the percentage of the suburb's land area inside the mapped bushfire polygons. Always verify the exact property address with the relevant authority before making decisions.
Flood risk
This suburb falls outside every flood polygon mapped by the relevant authority. Always confirm at the property address — local conditions and unmapped overlays can still apply.
Overlap is the percentage of the suburb's land area inside the mapped flood polygons. Always verify the exact property address with the relevant authority before making decisions. Source when available: NSW Rural Fire Service (BFPL) and NSW DPHI EPI Flood.
Planning zones
8 zones in suburb| Code | Zone | % covered | Area |
|---|---|---|---|
| R2 | ZoneResidential | 52.9% | 3.70 km² |
| R1 | ZoneResidential | 22.0% | 1.54 km² |
| RE1 | ZoneRecreation | 12.5% | 0.88 km² |
| C2 | ZoneEnvironmental | 6.0% | 0.42 km² |
| SP2 | ZoneSpecial use | 3.7% | 0.26 km² |
| E1 | ZoneEnvironmental | 1.6% | 0.11 km² |
| W2 | ZoneWaterway | 0.7% | 0.05 km² |
| RE2 | ZoneRecreation | 0.4% | 0.03 km² |
Source: NSW DPHI EPI Land Zoning (ZONE_NSW/2026-04-29/1eccf1a530fa1be5) · As of Apr 2026. Zone boundaries are amended periodically; verify the exact property with the relevant council before relying on permitted use.