suburb.guide

NSW · Mid-Coast Council

Charlotte Bay, 2428

Est. population · Jun 2025

188

Growth (1 yr)

+2.2%

Growth (5 yr)

+8.7%

Median age

47

Median income

$1,187/wk

Employment rate

52.1%

University qualified

15.2%

Work from home

32.9%

Median house price · October to December 2025

$888,000

Languages at home

2.5%non-English

Mostly English at home

2021 Census · usual residence

  • Country town
What Charlotte Bay is known for: Country town

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Charlotte Bay, NSW suburb snapshot — Suburb Guide

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Suburb Guide, “Charlotte Bay, NSW Suburb Guide”, updated 2 October 2026, https://suburb.guide/nsw/charlotte-bay

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Suburb profile

Charlotte Bay is a regional town in New South Wales, in Mid-Coast Council. It is primarily residential, without a particularly distinct commercial centre or landmark identity.

The suburb is highly walkable compared with similar places, placing it among the highest-ranked regional towns. Socio-economic advantage sits well above the peer median, and working from home is more common than in comparable places. Trade-offs centre on limited amenity for the price, thinner mapped green cover within the suburb boundary and thinner park access, with green cover 100% below the peer median.

Charlotte Bay's appeal is better explained by housing, access and location than by a strong standalone precinct or destination.

Generated from the official metrics on this page. It can omit nuance or contain errors — check the tables and source notes before relying on it.

Strengths and weaknesses

Regional town · compared with regional towns in New South Wales (192)

Strengths

  • The suburb is highly walkable compared with similar places
  • Socio-economic advantage sits well above the peer median
  • Working from home is more common than in comparable places

Weaknesses

  • Buyers pay a premium despite relatively limited amenity access
  • Green cover is thinner than in comparable places
  • Park access is thinner than in comparable places

What stands out

Nothing distinctive beyond the usual profile.

Who it suits

  • StudentsInsufficient data
  • Budget buyersInsufficient data

Housing, growth and risk

How Charlotte Bay compares

A quick read of housing, growth, livability, and risk

Median house price

$888k

+6.3% change

Median rent

$550/wk

Houses $650 · Units $460

Population (ERP)

188

+2.2% annual growth

Dwelling vacancy

11.1%

Census unoccupied dwellings

How it compares

Relative standing using percentiles, ranks, and national deciles

Crime rate

61st

percentile in state (higher = more crime)

Pop. growth

89th

percentile in NSW

Rented dwellings

15%

2021 Census tenure

Advantage (IRSAD)

8/10

national SEIFA decile

Population growth

Recent ERP change over 1 and 5 years

Housing mix

Dwelling types from the 2021 Census

Risks & flags

Quick scan — open a section below for full context

Living here

Housing

Flats / units (January to March 2026)
$460
Houses (January to March 2026)
$650
All types (January to March 2026)
$550
Rental bonds lodged (January to March 2026)
207
Median house price (October to December 2025)
$888,000
Median price change
+6.3%

Median weekly rent from NSW DCJ rent tables. Figures can be unreliable where few bonds were lodged in the quarter.

Contributes to desirability score · Housing (10%) · Future Growth (6%)

Household crowding and healthy vacancy — not cheapness Modest price change as a healthy-growth band

Data sources & freshness

Population

Estimated resident population

188(June 2025)

+2.2% annual · +8.7% over 5 years · 89th percentile in NSW

Growth figures & methodology
Annual growth
+2.2%
5-year growth
+8.7%
Change in 1 year
+4
Change in 5 years
+15
Growth rank in NSW
89th percentile

ABS Estimated Resident Population allocated to this suburb from SA2-level data. Not an official ABS suburb count.

Methodology

Figures are allocated from ABS Estimated Resident Population at Statistical Area Level 2 (SA2), using 2021 Census share within overlapping SA2 regions. Where Census data is unavailable, area overlap is used instead.

The dashed chart line is a simple growth-trend estimate to June 2030 (~200), extrapolated at +1.7% average annual growth since 2011. It is illustrative only — not an official ABS forecast.

2021 Census figures

2021 Census

Population
175
Median age
47
Median household income / week
$1,187
Dwelling vacancy
11.1%
Unoccupied private dwellings
8 of 72
Median monthly mortgage
$1,560
Median weekly rent (2021 Census)
$420
Tenure (owned / mortgaged / rented)
57.6% / 27.1% / 15.3%
Employment rate
52.1%
Travel to work (WFH / public transport / car)
32.9% / 0% / 57.9%
Walked or cycled to work
3.9%
Dwelling mix (houses / semi / flats)
57 / 0 / 0

Contributes to desirability score · Community (12%) · Accessibility (12%) · Future Growth (6%)

Employment, household income and owned-outright tenure (2021 Census) Work-from-home and public-transport commute shares (2021 Census) Five-year population change as a healthy-growth band, not a boom bonus

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

  • Estimated Resident Population — Australian Bureau of Statistics · 2025 · Updated · SA2 ERP allocated to suburb boundaries

Qualifications

15.2% of adults have a university degree, compared with 27.8% across New South Wales. 28.3% have a trade or vocational qualification.

  • University qualified15.2% · 27.8% NSW
  • Diploma qualified5.8% · 9.3% NSW
  • Trade / vocational28.3% · 15% NSW
  • Year 12 or below50.7% · 47.9% NSW

Highest qualification field

Main field of the highest non-school qualification (2021 Census).

  • Management and commerce23.5%
  • Architecture and building20%
  • Engineering and related technologies18.8%
  • Agriculture and environment10.6%
  • Education7.1%
  • Creative arts4.7%
How these groups are defined
MeasureDefinition
University qualifiedBachelor degree or higher
Diploma qualifiedAdvanced Diploma / Diploma
Trade / vocationalCertificate III + IV
Year 12Year 12 as highest attainment
Below Year 12Year 11 / 10 / 9 or below

People aged 15 years and over, 2021 Census. University, diploma and trade shares match ABS highest educational attainment (HEAP). Year 12 and below Year 12 are combined in the chart because the General Community Profile reports school-only attainment as a residual.

Contributes to desirability score · Community (12%)

University qualifications from the 2021 Census

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

Tax & income

Median taxable income (2023–24)
$45,834

15th percentile in NSW · -22% vs Australia

Median salary / wages (2023–24)
$51,951

12th percentile in NSW · -20% vs Australia

Residents with rental investments
13.0%

42nd percentile in NSW · -6% vs Australia

Median super balance (2023–24)
$80,088

65th percentile in NSW · +26% vs Australia

Residents with business income
11.0%

57th percentile in NSW · +6% vs Australia

Australian Taxation Office Taxation Statistics 2023–24, individuals Table 25. Figures describe taxpayers who live in postcode 2428 — not a suburb-level official statistic. Rental investment is the share of local taxpayers reporting rental income or loss, not the share of local properties owned by investors.

Counts, net rent & state comparison
Taxpayers in this postcode
13,274
Taxpayers reporting net rent
1,698
Median net rent
$2,562
Taxpayers reporting business income
1,449
Taxable income vs state median
-18%
Salary / wages vs state median
-17%
Rental investment vs state median
-7%
Super vs state median
+14%
Business income vs state median
+10%

Percentiles rank this postcode among unique postcodes in NSW, so suburbs that share a postcode are not counted twice. Dollar figures are compared with Australia-wide ATO medians from the same release. Median net rent is among taxpayers who reported the rent label and can be negative.

Data sources & freshness

  • Taxation Statistics 2023–24 — individuals by postcode (Table 25) — Australian Taxation Office · Updated · Annual release; taxpayer residential postcode, not suburb boundary

Community & culture

2.5% speak a language other than English at home; 15.4% born overseas

Language at home
153 English only · 4 other
Non-English at home
2.5%
Born overseas
25 (15.4%)
Aboriginal and/or Torres Strait Islander
9 (5.1%)
Australian citizens
149

Religion

50.9%No religion

No religion is the most common response at 50.9%, while Christianity accounts for 32%.

MeasureSuburbState
No religion50.9%32.8%
Christianity32%47.6%
Other / not stated17.1%19.6%
Christian denominations
DenominationSuburbState
Anglican13.1%11.9%
Catholic12.6%22.4%

2021 Census — languages spoken at home, birthplace, Indigenous status, and religious affiliation (usual residence). Religion is optional on the Census form.

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

Crime & safety

Offence counts are estimated for this suburb from postcode 2428, which is shared with other suburbs.

Reported offences decreased compared with the previous period.

Offence counts & rates
Total offences (Jan 2025 to Dec 2025)
16
Against the person
4
Against property
7
Rate per 1,000 residents
85.1
Person-crime prevalence
About 1 in 44 residents
State crime-rate percentile
61.4th (higher = more crime)
Decrease (daily rate)
-5.6%
Recorded road crashes (in suburb)
15
Crash rate per 1,000 residents (state rank)
79.79

Most common offence types

  • Breach Bail Conditions2
  • Break And Enter Dwelling1
  • Domestic Violence Related Assault1
  • Intimidation, Stalking And Harassment1
  • Non-Domestic Violence Related Assault1

Contributes to desirability score · Safety (22%)

Crime rate, offences against the person, year-on-year trend and recorded road crash rates

Data sources & freshness

Family & Lifestyle

Schools & preschools

School list
School catchments
  • GLC ForsterGovernment school catchment overlapping this suburb boundarysecondary_catchment
  • GLC Snr CGovernment school catchment overlapping this suburb boundarysecondary_catchment
  • Pacific Palms PSGovernment school catchment overlapping this suburb boundaryprimary_catchment

Government school intake zones that overlap this suburb boundary. Living in a catchment does not guarantee enrolment; check the education authority.

Contributes to desirability score · Education (14%)

Median school ICSEA first, then school and catchment counts

Data sources & freshness

  • NSW government school intake zones — NSW Department of Education · current · Updated · Open catchment polygons where published

Public transport

28 public transport stops in this suburb

  • 44 Coomba Rd
  • 94 Coomba Rd
  • The Lakes Way Before Coomba Rd
  • The Lakes Way Opp 3880
  • The Lakes Way Opp Coomba Rd

Contributes to desirability score · Accessibility (12%)

Public transport stops per 1,000 residents and walkability

Data sources & freshness

  • Timetables Complete GTFS stops (© Transport for NSW, CC BY 4.0) — Transport for NSW — Open Data Hub · current · Updated · Nightly GTFS feed

Amenities

8 mapped amenities

1 supermarkets · 1 petrol stations · 1 post offices

Local character & venue list

Local character

  • Reasonably walkable — many shops and services reachable on foot or by bus
  • Well connected by public transport — 28 public transport stops
Walkability proxy
55/100
Cafés per 1,000 residents
0
Food & drink per 1,000 residents
0
Parks per 1,000 residents
0
Shopping(1)
  • FoodworksSupermarket
Everyday services(2)
  • MetroPetrol station
  • Pacfic Palms Post OfficePost office

    209 Charlotte Bay Street

Transport(3)

3 bus stops

Other(2)
  • Scott's car upholsteryCar repair
  • Parking

Names and addresses from OpenStreetMap. Unnamed venues show as their type (e.g. Cafe). Transport stops are summarised by type rather than listed individually. Campgrounds, beaches, wineries and local trails are included when they sit inside the suburb boundary.

Contributes to desirability score · Lifestyle (12%)

Food, shopping, recreation and sport per 1,000 residents (OpenStreetMap)

Data sources & freshness

  • Local amenity insights — Suburb Guide (derived) · current · Updated
  • OpenStreetMap amenities — OpenStreetMap contributors · current · Updated

Green cover

Green cover of suburb area
0%
Woodland / forest cover
0%
Parks & woodland features (OSM)
0
Parks (OSM)
0
Typical summer maximum
28°C

Green cover is the share of this suburb's boundary overlapping OpenStreetMap parks, woodland and forest polygons — not a satellite tree-canopy product. Summer maximum is the WorldClim / Open-Meteo seasonal normal already collected for Weather.

Contributes to desirability score · Environment (12%)

Tree canopy first, then green-cover area and parks per 1,000

Data sources & freshness

  • OpenStreetMap green cover and tree canopy — OpenStreetMap contributors · current · Updated · Park/woodland polygons intersected with suburb boundaries

Health access

Nearest hospital
Forster Private Hospital (18.3 km)
Nearest hospital type
Hospital
Nearest hospital emergency
Emergency department
GP clinics in suburb
0

GP clinic counts from OpenStreetMap. Bulk-billing figures only include clinics tagged in OSM (sparse and unofficial — not a Medicare list).

Contributes to desirability score · Accessibility (12%)

Hospitals, GPs and aged care

Data sources & freshness

NDIS participation

NDIS participants (31 March 2026)
4
Participants per 1,000 residents
21.3

Active NDIS participants allocated from NDIA Statistical Area Level 2 (SA2, ASGS 2016) counts to this suburb boundary. Not an official suburb-level NDIS figure · as at 31 March 2026.

For NDIS spend and service-demand exploration by SA2 or postcode, see the Care Sector Demand Map.

Data sources & freshness

Weather

Typical conditions by season for suburbs in the same ~44 km climate area. Rainfall totals are summed from monthly WorldClim layers; rainy-day counts are approximate.

Summer (Dec–Feb)

Usual max / min
28° / 16°
Rainfall
372 mm · ~46 rainy days

Autumn (Mar–May)

Usual max / min
23° / 12°
Rainfall
329 mm · ~41 rainy days

Winter (Jun–Aug)

Usual max / min
17° / 6°
Rainfall
148 mm · ~18 rainy days

Spring (Sep–Nov)

Usual max / min
23° / 11°
Rainfall
218 mm · ~27 rainy days

Contributes to desirability score · Lifestyle (12%)

Temperature and humidity comfort

Data sources & freshness

  • Seasonal climate normals — WorldClim 2.1 · Updated

Future & Planning

Planning & development

Development applications from NSW Planning Portal.

2026· 4 proposals

  • August 2026

  • Dwelling house; Alterations or additions to an existing building or structure; Erection of a new structure
    3543 THE LAKES WAY CHARLOTTE BAY 2428Under Assessment
  • Dwelling house; Alterations or additions to an existing building or structure
    21 KOOKIE AVENUE CHARLOTTE BAY 2428Determined

  • June 2026

  • Erection of a new structure; Swimming pool
    19 KOOKIE AVENUE CHARLOTTE BAY 2428Determined

  • March 2026

  • Shed; Erection of a new structure
    U 2 22 COOMBA ROAD CHARLOTTE BAY 2428Determined
2025· 4 proposals

  • August 2025

  • Shed; Erection of a new structure
    U 2 22 COOMBA ROAD CHARLOTTE BAY 2428Determined

  • July 2025

  • Change of use of land or a building or the classification of a building under the Building Code of Australia; Camping ground
    3511 THE LAKES WAY CHARLOTTE BAY 2428Withdrawn

  • March 2025

  • Industrial development; Alterations or additions to an existing building or structure
    3481 THE LAKES WAY CHARLOTTE BAY 2428Determined

  • February 2025

  • Subdivision
    3611 THE LAKES WAY CHARLOTTE BAY 2428Determined
2024· 5 proposals

  • December 2024

  • Shed; Dwelling house; Erection of a new structure; Residential Accommodation
    209 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined
  • Shed; Dwelling house; Alterations or additions to an existing building or structure; Carport; Garage, carport or carparking space
    56 COOMBA ROAD CHARLOTTE BAY 2428Determined

  • November 2024

  • Erection of a new structure; Caravan park
    3540 THE LAKES WAY CHARLOTTE BAY 2428Determined

  • May 2024

  • Dwelling house; Erection of a new structure
    13B COOMBA ROAD CHARLOTTE BAY 2428Determined
  • Dwelling house; Erection of a new structure
    94A COOMBA ROAD CHARLOTTE BAY 2428Determined
2023· 3 proposals

  • October 2023

  • Dwelling house; Alterations or additions to an existing building or structure
    7 KOOKIE AVENUE CHARLOTTE BAY 2428Determined

  • September 2023

  • Dwelling; Shed
    209 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • February 2023

  • Retail premises
    203 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined
2022· 5 proposals

  • November 2022

  • Balconies, decks, patios, terraces or verandahs; Alterations and additions to residential development
    218 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • September 2022

  • Pools / decks / fencing
    217 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • August 2022

  • Other
    215 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • April 2022

  • Dwelling; Pools / decks / fencing
    2 KOOKIE AVENUE CHARLOTTE BAY 2428Determined

  • January 2022

  • Subdivision of land
    96 COOMBA ROAD CHARLOTTE BAY 2428Determined
2021· 7 proposals

  • December 2021

  • Alterations and additions to residential development
    224 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • November 2021

  • Shed
    3481 THE LAKES WAY CHARLOTTE BAY 2428Determined
  • Dwelling
    208 CHARLOTTE BAY STREET CHARLOTTE BAY 2428Determined

  • September 2021

  • Pools / decks / fencing; Alterations and additions to residential development
    3543 THE LAKES WAY CHARLOTTE BAY 2428Determined

  • August 2021

  • Home business
    260 BOOMERANG DRIVE CHARLOTTE BAY 2428Determined

  • March 2021

  • Other
    96 COOMBA ROAD CHARLOTTE BAY 2428Determined

  • February 2021

  • Dwelling
    2 KOOKIE AVENUE CHARLOTTE BAY 2428Withdrawn

Data sources & freshness

Hazards

Bushfire planning zone
No overlay at centroid
Flood / inundation overlay
No mapped inundation on suburb boundary

Bushfire overlay checked at suburb centroid via NSW bush fire prone land mapping. Flood cover uses NSW flood planning polygons against the suburb boundary.

Contributes to desirability score · Safety (22%)

Bushfire and flood hazard overlays

Data sources & freshness

  • Bushfire and flood planning overlays — State government hazard layers · current · Updated

Politics & representation

Federal electorate
Lyne
Member of Parliament
Alison PENFOLD (The Nationals)
Results from
2025 federal election
Electorate enrolment (2025)
129,584
Turnout (2025)
92.9%
Swing since 2022 (2025)
+4.0 pp toward Labor

Two-party preferred (2025)

Coalition 59.8%Labor 40.2%

Estimated suburb voting profile

Estimated from 8 nearby ordinary polling places (up to 22.9 km away).

Coalition 46.6%Labor 53.4%

13.2 percentage points more Labor-leaning than the electorate

Estimated swing since 2022: +4.7 pp toward Labor

Nearest polling places

  • Pacific PalmsLabor 55.1% · Coalition 44.9% TPP (2025)3.0 km away
  • BungwahlLabor 51.8% · Coalition 48.2% TPP (2025)6.8 km away
  • Coomba ParkLabor 49.6% · Coalition 50.4% TPP (2025)13.0 km away
  • Forster KeysLabor 42.4% · Coalition 57.6% TPP (2025)15.4 km away
  • Forster SouthLabor 45.0% · Coalition 55.0% TPP (2025)17.0 km away

Federal electorate from AEC federal division boundaries (2025 redistribution). Division-level results are official AEC figures from the latest general election, with by-election updates where applicable. The estimated suburb profile blends up to eight nearest ordinary polling booths in the same electorate using inverse-distance weighting from the suburb centroid — an approximation, not official AEC data. Nearest polling places are shown for reference.

Data sources & freshness

Socio-economic

IRSAD decile (2021)
8/10
IRSD decile (2021)
9/10

ABS Socio-Economic Indexes for Areas (SEIFA), 2021 release — the latest available, derived from the 2021 Census. Deciles rank suburbs nationally from 1 (lowest) to 10 (highest).

What do IRSAD and IRSD measure?

IRSAD — Index of Relative Socio-economic Advantage and Disadvantage. Combines indicators of advantage (e.g. high income, skilled occupations) and disadvantage. Higher decile = more advantaged relative to other Australian areas.

IRSD — Index of Relative Socio-economic Disadvantage. Focuses on disadvantage only (e.g. low income, unemployment, limited education). Higher decile = less disadvantage nationally.

A new SEIFA edition typically follows each census; the ABS has not announced a release date beyond 2021.

Contributes to desirability score · Community (12%)

Socio-economic advantage (IRSAD and IRSD deciles)

Data sources & freshness

More in Mid-Coast Council

Other suburbs in the same local government area.

Comparable suburbs

Similar population and socio-economic profile in other parts of New South Wales.