Point Clare - Koolewong

Point Clare - Koolewong is positioned among the lower quartile of areas assessed nationally for population growth based on AreaSearch's assessment of recent, and medium term trends

Point Clare-Koolewong's population is approximately 6,692 as of November 2025. Between the 2021 Census and this date, the population increased by 121 people, a rise of 1.8%. This growth is inferred from ABS data showing an estimated resident population of 6,667 in June 2024 and additional validated new addresses since the Census date. The population density stands at around 987 persons per square kilometer, comparable to averages across other locations assessed by AreaSearch. Point Clare-Koolewong's growth rate of 1.8% is within 0.5 percentage points of its SA3 area's growth rate of 2.3%. Overseas migration contributed approximately 87.4% of overall population gains during recent periods.

AreaSearch uses ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022. For areas not covered by this data, AreaSearch utilises NSW State Government's SA2 level projections, released in 2022 with a base year of 2021. Growth rates by age group from these aggregations are applied to all areas for years 2032 to 2041. According to these projections, the area's population is expected to decrease by 8 persons by 2041. However, specific age cohorts like the 75-84 age group are projected to expand, with an increase of 204 people anticipated over this period.

Residential development activity is lower than average in Point Clare - Koolewong according to AreaSearch's national comparison of local real estate markets

Point Clare - Koolewong has averaged approximately six new dwelling approvals annually over the past five financial years, totalling 30 homes. In FY-26 so far, two approvals have been recorded. On average, 5.1 new residents arrive per year for each dwelling constructed between FY-21 and FY-25. This outpaces supply, potentially exerting upward pressure on prices and intensifying competition among buyers.

The average construction value of new homes is $335,000. Commercial approvals this financial year amount to $2.5 million, suggesting limited commercial development focus. Compared to Greater Sydney, Point Clare - Koolewong has significantly less development activity, 76.0% below the regional average per person. This scarcity typically strengthens demand and prices for existing properties. Nationally, it is also below average, reflecting the area's maturity and possible planning constraints.

Recent development consists entirely of detached dwellings, preserving the area's traditional suburban character with a focus on family homes. With approximately 1664 people per approval, Point Clare - Koolewong indicates a mature, established area. Population is expected to remain stable or decline, potentially reducing pressure on housing and creating opportunities for buyers.

Point Clare - Koolewong has moderate levels of nearby infrastructure activity, ranking in the 42ndth percentile nationally

Changes in local infrastructure significantly affect an area's performance. AreaSearch has identified ten projects expected to impact the region. Notable initiatives include the Gosford Community Recreation Centre, West Gosford Village shopping centre refurbishment, Gosford Hospital redevelopment, and the 10-16 Kendall St, Gosford project. The following list details those most likely to be relevant.

Professional plan users can use the search below to filter and access additional projects.

Denotes AI-based impression for illustrative purposes only, not to be taken as definitive under any circumstances. Please follow links and conduct other investigations from the project's source for actual imagery. Developers and project owners wishing us to use original imagery please Contact Us and we will do so.

Point Clare - Koolewong ranks among the top 25% of areas assessed nationally for overall employment performance

Point Clare-Koolewong has a highly educated workforce with notable representation in the technology sector. Its unemployment rate was 2.4% as of September 2025.

This rate is 1.8% lower than Greater Sydney's rate of 4.2%. The area experienced an estimated employment growth of 2.7% over the past year. As of September 2025, there are 3,354 residents employed, with a workforce participation rate of 57.6%, slightly below Greater Sydney's 60.0%. The leading employment industries among residents include health care & social assistance, retail trade, and professional & technical services.

The area shows strong specialization in health care & social assistance, with an employment share 1.3 times the regional level. However, finance & insurance is under-represented, comprising only 4.1% of Point Clare-Koolewong's workforce compared to Greater Sydney's 7.3%. AreaSearch analysis of SALM and ABS data indicates that between September 2024 and September 2025, employment levels increased by 2.7%, while the labour force grew by 3.2%. This led to a rise in unemployment rate by 0.4 percentage points. In comparison, Greater Sydney recorded employment growth of 2.1% over the same period, with its labour force growing by 2.4%. The unemployment rate rose by 0.2 percentage points during this time. State-level data as of 25-Nov shows that NSW employment contracted by 0.03%, losing 2,260 jobs, while the state unemployment rate was at 3.9%. This compares favourably to the national unemployment rate of 4.3%. Jobs and Skills Australia's national employment forecasts from May-25 suggest that national employment is expected to expand by 6.6% over five years and 13.7% over ten years. Applying these industry-specific projections to Point Clare-Koolewong's employment mix suggests local employment should increase by 7.0% over five years and 14.3% over ten years, based on a simple weighting extrapolation for illustrative purposes.

Income levels align closely with national averages, indicating typical economic conditions for Australian communities according to AreaSearch analysis

AreaSearch's latest postcode level ATO data for financial year ending June 2022 shows that income in Point Clare - Koolewong SA2 is approximately average nationally. The median income is $50,362 while the average income stands at $65,431. This contrasts with Greater Sydney's figures of a median income of $56,994 and an average income of $80,856. Based on Wage Price Index growth of 12.61% since financial year ending June 2022, current estimates would be approximately $56,713 (median) and $73,682 (average) as of September 2025. From the 2021 Census, household, family and personal incomes all rank modestly in Point Clare - Koolewong, between the 41st and 48th percentiles. Looking at income distribution, the largest segment comprises 30.4% earning $1,500 - 2,999 weekly (2,034 residents), mirroring the surrounding region where 30.9% occupy this bracket. Housing affordability pressures are severe, with only 84.3% of income remaining after housing costs, ranking at the 49th percentile. The area's SEIFA income ranking places it in the 6th decile.

Point Clare - Koolewong is characterized by a predominantly suburban housing profile, with above-average rates of outright home ownership

Point Clare-Koolewong's dwelling structure, as per the latest Census, had 89.4% houses and 10.6% other dwellings (semi-detached, apartments, 'other' dwellings), compared to Sydney metro's 74.2% houses and 25.9% other dwellings. Home ownership in Point Clare-Koolewong was 38.1%, similar to Sydney metro, with the rest being mortgaged (37.7%) or rented (24.1%). The median monthly mortgage repayment was $2,000, below Sydney metro's average of $2,150. Median weekly rent was $400, matching Sydney metro's figure but higher than the national average of $375. Nationally, Point Clare-Koolewong's mortgage repayments were above the Australian average of $1,863.

Point Clare - Koolewong has a typical household mix, with a fairly typical median household size

Family households account for 70.5% of all households, including 31.6% couples with children, 27.0% couples without children, and 10.8% single parent families. Non-family households constitute the remaining 29.5%, with lone person households at 26.8% and group households comprising 2.8%. The median household size is 2.5 people, which aligns with the Greater Sydney average.

The educational profile of Point Clare - Koolewong exceeds national averages, with above-average qualification levels and academic performance metrics

Point Clare - Koolewong has educational qualifications that differ from Greater Sydney's benchmarks. Among residents aged 15+, 29.2% have university degrees compared to the regional average of 38.0%. This indicates potential for educational development and skills enhancement in the area. Bachelor degrees are most common at 18.8%, followed by postgraduate qualifications (6.8%) and graduate diplomas (3.6%).

Vocational credentials are also prominent, with 37.8% of residents aged 15+ holding such qualifications - advanced diplomas (13.0%) and certificates (24.8%). Educational participation is high, with 27.4% of residents currently enrolled in formal education. This includes primary education (9.6%), secondary education (7.0%), and tertiary education (4.3%).

Transport servicing is good compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility

Point Clare - Koolewong has 84 active public transport stops, served by a mix of train and bus routes. These stops are covered by 17 individual routes, offering 1,060 weekly passenger trips in total. The average distance to the nearest stop for residents is 169 meters.

Service frequency averages 151 trips per day across all routes, equating to approximately 12 weekly trips per stop.

Health performance in Point Clare - Koolewong is well below average with prevalence of common health conditions notable across both younger and older age cohorts

Point Clare - Koolewong faces significant health challenges, as indicated by its health data. Both younger and older age groups have a notable prevalence of common health conditions.

The area has private health cover at approximately 52% of its total population (~3,506 people), slightly higher than the average SA2 area but lower than Greater Sydney's 54.7%. The most prevalent medical conditions are arthritis (9.3%) and mental health issues (8.9%). Conversely, 64.0% of residents report no medical ailments, compared to 64.8% in Greater Sydney. The area has a higher proportion of seniors aged 65 and over at 24.2% (1,616 people). Health outcomes among seniors present challenges broadly aligned with the general population's health profile.

In terms of cultural diversity, Point Clare - Koolewong records figures broadly comparable to the national average, as found in AreaSearch's assessment of a number of language and cultural background related metrics

Point Clare-Koolewong has a higher-than-average cultural diversity, with 10.9% of its residents speaking a language other than English at home and 22.9% born overseas. Christianity is the predominant religion in Point Clare-Koolewong, comprising 51.5%, compared to 53.4% across Greater Sydney. The top three ancestry groups are English (31.6%), Australian (25.0%), and Irish (9.5%).

Notably, Welsh (0.8%) and Scottish (9.1%) populations are higher than the regional averages of 0.7% and 7.9%, respectively, while South African residents make up 0.7%, slightly above the regional average of 0.5%.

Point Clare - Koolewong hosts an older demographic, ranking in the top quartile nationwide

The median age in Point Clare-Koolewong is 46 years, which is higher than Greater Sydney's average of 37 years and also exceeds the Australian median of 38 years. Compared to Greater Sydney, the 75-84 age cohort is notably over-represented in Point Clare-Koolewong, making up 9.5% of the local population, while those aged 25-34 are under-represented at 7.6%. According to the 2021 Census, the 75 to 84 age group has grown from 8.6% to 9.5% of the population, whereas the 25 to 34 cohort has declined from 9.0% to 7.6%. Population forecasts for Point Clare-Koolewong indicate significant demographic changes by 2041. The 75 to 84 age cohort is projected to increase by 179 people, from 638 to 818, representing a 28% expansion. Those aged 65 and above are expected to comprise 80% of the population growth, while the 5 to 14 and 55 to 64 age groups are projected to experience population declines.