NSW · Mid-Coast Council

North Arm Cove, 2324

Est. population · Jun 2025

553

Growth (1 yr)

-0.4%

Growth (5 yr)

+3.4%

Median age

56

Median income

$1,272/wk

Employment rate

40%

University qualified

17.9%

Work from home

23.2%

Median house price · October to December 2025

$820,000

Languages at home

5.4%non-English

Most common: German, Greek

2021 Census · usual residence

Desirability score

45.3/100
Average

Top 48% of New South Wales' suburbs

Verified 87% confidence

How this score is calculated
  • Beach
  • Green suburb
  • Rural living
What North Arm Cove is known for: Beach, Green suburb, Rural living

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North Arm Cove, NSW suburb snapshot — Suburb Guide

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Suburb Guide, “North Arm Cove, NSW Suburb Guide”, updated 2 October 2026, https://suburb.guide/nsw/north-arm-cove

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Suburb profile

North Arm Cove is a rural locality in New South Wales, in Mid-Coast Council.

Local amenities is an exceptional strength, well above typical levels for rural localities. Walkability is a very strong feature of the suburb. Open-space access is better than in most comparable places. Green cover is a relative strength. Trade-offs centre on higher housing costs and weaker employment, with median house prices 17% above the peer median.

Overall, North Arm Cove suits people prioritising local amenities and open space over lower housing costs.

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

Rural locality · compared with rural localities in New South Wales (2685)

Strengths

  • Green cover is a relative strength
  • Local amenity access is stronger than in most comparable places
  • Open-space access is better than in most comparable places
  • Walkability is a relative strength

Weaknesses

  • Housing is expensive relative to comparable places
  • Employment rates sit below those of comparable places

What stands out

  • North Arm Cove Beach
  • Heros Beach

Who it suits

  • Families
  • Professionals
  • Retirees
  • Students
  • Budget buyers

Housing, growth and risk

How North Arm Cove compares

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

Median house price

$820k

+13% change

Median rent

$578/wk

Houses $610 · Units $498

Population (ERP)

553

-0.4% annual growth

Dwelling vacancy

31.2%

Census unoccupied dwellings

Livability profile

Desirability pillars vs the peer median (50th percentile)

How it compares

Relative standing using percentiles, ranks, and national deciles

Desirability

#190

among Country & regional · Mature

Crime rate

77th

percentile in state (higher = more crime)

Pop. growth

5th

percentile in NSW

Rented dwellings

16%

2021 Census tenure

Advantage (IRSAD)

5/10

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

Desirability

Ranks & confidence
Desirability score
45.3/100 — Average
State standing
Top 48% of New South Wales' suburbs
National rank
3044th in Australia
State rank
1025th in NSW
Peer rank
#190 among Country & regional · Mature suburbs
Cohort rank
#337 among Country & regional suburbs
Data confidence
87%

Data sources & freshness

  • Suburb Guide desirability index — Suburb Guide (derived) · current · Updated

Housing

Flats / units (January to March 2026)
$498
Houses (January to March 2026)
$610
All types (January to March 2026)
$578
Rental bonds lodged (January to March 2026)
194
Median house price (October to December 2025)
$820,000
Median price change
+13.1%

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

553(June 2025)

-0.4% annual · +3.4% over 5 years · 5th percentile in NSW

Growth figures & methodology
Annual growth
-0.4%
5-year growth
+3.4%
Change in 1 year
-2
Change in 5 years
+18
Growth rank in NSW
5th 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 (~600), extrapolated at +1.5% average annual growth since 2011. It is illustrative only — not an official ABS forecast.

2021 Census figures

2021 Census

Population
552
Median age
56
Median household income / week
$1,272
Dwelling vacancy
31.2%
Unoccupied private dwellings
97 of 311
Median monthly mortgage
$1,950
Median weekly rent (2021 Census)
$340
Tenure (owned / mortgaged / rented)
51.7% / 32.1% / 16.3%
Employment rate
40%
Travel to work (WFH / public transport / car)
23.2% / 0% / 58.8%
Walked or cycled to work
2.1%
Dwelling mix (houses / semi / flats)
214 / 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

17.9% of adults have a university degree, compared with 27.8% across New South Wales. 20.4% have a trade or vocational qualification.

  • University qualified17.9% · 27.8% NSW
  • Diploma qualified10.5% · 9.3% NSW
  • Trade / vocational20.4% · 15% NSW
  • Year 12 or below51.1% · 47.9% NSW

Highest qualification field

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

  • Management and commerce24.3%
  • Engineering and related technologies20.1%
  • Society and culture12.4%
  • Health11.2%
  • Architecture and building8.5%
  • Education7.7%
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)
$52,532

38th percentile in NSW · -11% vs Australia

Median salary / wages (2023–24)
$60,716

45th percentile in NSW · -7% vs Australia

Residents with rental investments
10.0%

10th percentile in NSW · -27% vs Australia

Median super balance (2023–24)
$73,319

54th percentile in NSW · +16% vs Australia

Residents with business income
7.0%

2nd percentile in NSW · -33% vs Australia

Australian Taxation Office Taxation Statistics 2023–24, individuals Table 25. Figures describe taxpayers who live in postcode 2324 — 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
14,383
Taxpayers reporting net rent
1,491
Median net rent
$903
Taxpayers reporting business income
996
Taxable income vs state median
-6%
Salary / wages vs state median
-3%
Rental investment vs state median
-29%
Super vs state median
+4%
Business income vs state median
-30%

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

5.4% speak a language other than English at home; 20.3% born overseas

Language at home
473 English only · 27 other
Non-English at home
5.4%
Born overseas
102 (20.3%)
Aboriginal and/or Torres Strait Islander
29 (5.3%)
Australian citizens
479
Languages spoken at home (other than English)
2

Top languages other than English

Share of residents who speak a language other than English at home (2021 Census).

  • German5 · 55.6%
  • Greek4 · 44.4%

Religion

45.7%Most common religion · Christianity

Christianity is the most common response at 45.7%, while 40.6% reported no religion.

MeasureSuburbState
No religion40.6%32.8%
Christianity45.7%47.6%
Other / not stated13.8%19.6%
Christian denominations
DenominationSuburbState
Anglican15.9%11.9%
Catholic15.2%22.4%
Uniting Church3.6%2.1%
Presbyterian and Reformed2.5%1.9%
Baptist2%1.2%
Christian (not further defined)2%2.4%

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 2324, which is shared with other suburbs.

Reported offences decreased compared with the previous period.

Offence counts & rates
Total offences (Jan 2025 to Dec 2025)
59
Against the person
18
Against property
20
Rate per 1,000 residents
106.7
Person-crime prevalence
About 1 in 31 residents
State crime-rate percentile
77.4th (higher = more crime)
Decrease (daily rate)
-10.4%
Recorded road crashes (in suburb)
10
Crash rate per 1,000 residents (state rank)
18.08

Most common offence types

  • Breach Bail Conditions8
  • Domestic Violence Related Assault5
  • Intimidation, Stalking And Harassment7
  • Malicious Damage To Property5
  • Non-Domestic Violence Related Assault3

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
  • Bulahdelah CSGovernment school catchment overlapping this suburb boundaryprimary_catchment
  • Hunter River HSGovernment school catchment overlapping this suburb boundarysecondary_catchment
  • Karuah PSGovernment school catchment overlapping this suburb boundaryprimary_catchment
  • Tea Gardens 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

18 public transport stops in this suburb

  • Booral St Opp The Ridgeway
  • Merriwa Bvd After Gloucester St
  • Promontory Way After The Esplanade
  • The Rock Roadhouse, Gooreengi Rd
  • Uralla St At Market Way

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

5 mapped amenities

3 beaches · 1 campgrounds

Local character & venue list

Local character

  • Limited walkable amenities nearby
  • Well connected by public transport — 18 public transport stops
Walkability proxy
27/100
Cafés per 1,000 residents
0
Food & drink per 1,000 residents
0
Parks per 1,000 residents
1.81
Sport & outdoors(3)
  • Beach (2)
  • Heros BeachBeach
Camping & holiday parks(1)
  • The Rock RoadhouseCampground
Other(1)
  • 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

Parks & reserves

1 parks and public open space in this suburb

  • Casurina ParkPark

Data sources & freshness

Green cover

Green cover of suburb area
44.4%
Woodland / forest cover
44.4%
Parks & woodland features (OSM)
22
Parks (OSM)
1
Typical summer maximum
27°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
Hospital (14.7 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)
9
Participants per 1,000 residents
16.3

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
27° / 18°
Rainfall
295 mm · ~37 rainy days

Autumn (Mar–May)

Usual max / min
23° / 14°
Rainfall
366 mm · ~46 rainy days

Winter (Jun–Aug)

Usual max / min
18° / 8°
Rainfall
272 mm · ~34 rainy days

Spring (Sep–Nov)

Usual max / min
23° / 13°
Rainfall
230 mm · ~29 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· 11 proposals
  • September 2026

  • Dwelling house; Alterations or additions to an existing building or structure
    56 EASTSLOPE WAY NORTH ARM COVE 2324Under Assessment
  • Alterations or additions to an existing building or structure; Highway service centre
    652 GOOREENGI ROAD NORTH ARM COVE 2324Under Assessment
  • Shed; Erection of a new structure
    27 DUNN STREET NORTH ARM COVE 2324Under Assessment
  • August 2026

  • Dwelling house; Alterations or additions to an existing building or structure
    67 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • July 2026

  • Erection of a new structure; Water recreation structure
    28 THE ESPLANADE NORTH ARM COVE 2324Determined
  • June 2026

  • Demolition; Dwelling house; Erection of a new structure; Residential Accommodation
    28 THE ESPLANADE NORTH ARM COVE 2324Determined
  • May 2026

  • Dwelling house; Alterations or additions to an existing building or structure
    5 THE ESPLANADE NORTH ARM COVE 2324Determined
  • February 2026

  • Erection of a new structure; Swimming pool
    356 GOOREENGI ROAD NORTH ARM COVE 2324Determined
  • Erection of a new structure; Supporting Development
    356 GOOREENGI ROAD NORTH ARM COVE 2324Determined
  • Signage; Advertising and signage
    59 HUNTERVIEW ROAD NORTH ARM COVE 2324Determined
  • January 2026

  • Alterations or additions to an existing building or structure; Minor building alterations (external)
    101 COVE BOULEVARD NORTH ARM COVE 2324Determined
2025· 18 proposals
  • November 2025

  • Alterations or additions to an existing building or structure; Supporting Development
    55 POINT CIRCUIT NORTH ARM COVE 2324Determined
  • October 2025

  • Erection of a new structure; Earthworks, retaining walls and structural support
    89 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • September 2025

  • Dwelling house; Erection of a new structure
    136 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Shed; Erection of a new structure
    72 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure
    5 THE ESPLANADE NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation
    68 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • August 2025

  • Dwelling house; Alterations or additions to an existing building or structure
    121 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • Alterations or additions to an existing building or structure; Garage, carport or carparking space
    52 EASTSLOPE WAY NORTH ARM COVE 2324Under Assessment
  • July 2025

  • Dwelling house; Erection of a new structure
    56A OUTLOOK DRIVE NORTH ARM COVE 2324Determined
  • May 2025

  • Demolition; Dwelling house; Erection of a new structure; Residential Accommodation
    28 THE ESPLANADE NORTH ARM COVE 2324Determined
  • April 2025

  • Dwelling house; Erection of a new structure
    122 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • March 2025

  • Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation
    11 BARROMEE WAY NORTH ARM COVE 2324Determined
  • Erection of a new structure; Jetty
    80 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Dwelling house; Erection of a new structure
    20 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Secondary dwelling; Erection of a new structure
    89 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • February 2025

  • Alterations or additions to an existing building or structure; Jetty
    118 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Erection of a new structure; Balcony, deck, patio, terrace or verandah
    38 EASTSLOPE WAY NORTH ARM COVE 2324Determined
  • January 2025

  • Dwelling house; Alterations or additions to an existing building or structure
    23 COVE BOULEVARD NORTH ARM COVE 2324Determined
2024· 14 proposals
  • December 2024

  • Alterations or additions to an existing building or structure; Recreation/Tourist Premise
    614 GOOREENGI ROAD NORTH ARM COVE 2324Determined
  • October 2024

  • Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation
    67 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • August 2024

  • Erection of a new structure; Driveways and hard stand spaces; Garage, carport or carparking space
    62 EASTSLOPE WAY NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation
    28A THE ESPLANADE NORTH ARM COVE 2324Determined
  • July 2024

  • Erection of a new structure; Shipping containers; Supporting Development
    GLOUCESTER STREET NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure
    68 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Dwelling house; Erection of a new structure
    6 MERRIWA BOULEVARD NORTH ARM COVE 2324Determined
  • May 2024

  • Dwelling house; Alterations or additions to an existing building or structure
    6 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation
    67 PROMONTORY WAY NORTH ARM COVE 2324Determined
  • April 2024

  • Secondary dwelling; Dwelling house; Erection of a new structure
    33 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Alterations or additions to an existing building or structure; Residential Accommodation
    21 THE ESPLANADE NORTH ARM COVE 2324Determined
  • January 2024

  • Dwelling house; Erection of a new structure; Garage, carport or carparking space
    1391 THE BRANCH LANE NORTH ARM COVE 2324Determined
  • Dwelling house; Erection of a new structure
    122 COVE BOULEVARD NORTH ARM COVE 2324Determined
  • Dwelling house; Alterations or additions to an existing building or structure; Erection of a new structure; Residential Accommodation
    67 PROMONTORY WAY NORTH ARM COVE 2324Withdrawn
2023· 2 proposals
  • December 2023

  • Industrial development; Erection of a new structure; General industry
    652 GOOREENGI ROAD NORTH ARM COVE 2324Determined
  • November 2023

  • Dwelling house; Erection of a new structure
    THE BRANCH LANE NORTH ARM COVE 2324Determined

Data sources & freshness

Hazards

Bushfire planning zone
Overlay applies
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 28.2 km away).

Coalition 56.1%Labor 43.9%

3.7 percentage points more Labor-leaning than the electorate

Estimated swing since 2022: +0.9 pp toward Labor

Nearest polling places

  • North Arm CoveLabor 43.5% · Coalition 56.5% TPP (2025)4.6 km away
  • KaruahLabor 49.5% · Coalition 50.5% TPP (2025)8.3 km away
  • Tea GardensLabor 40.0% · Coalition 60.0% TPP (2025)11.4 km away
  • Hawks NestLabor 40.2% · Coalition 59.8% TPP (2025)13.3 km away
  • BooralLabor 43.2% · Coalition 56.8% TPP (2025)18.9 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)
5/10
IRSD decile (2021)
4/10

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.