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

Based on AreaSearch's analysis, Point Clare - Koolewong's population is around 6,694 as of Feb 2026. This reflects an increase of 123 people (1.9%) since the 2021 Census, which reported a population of 6,571 people. The change is inferred from the estimated resident population of 6,667 from the ABS as of June 2024 and an additional 14 validated new addresses since the Census date. This population level equates to a density ratio of 987 persons per square kilometer, which is relatively in line with averages seen across locations assessed by AreaSearch. Point Clare - Koolewong's 1.9% growth since the census positions it within 1.3 percentage points of the SA3 area (3.2%), demonstrating competitive growth fundamentals. Population growth for the area was primarily driven by overseas migration, which contributed approximately 87.4% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, as released in 2024 with 2022 as the base year. For any SA2 areas not covered by this data, AreaSearch is utilising the NSW State Government's SA2 level projections, as released in 2022 with 2021 as the base year. Growth rates by age group from these aggregations are also applied to all areas for years 2032 to 2041. Regarding demographic trends, projections indicate a decline in overall population, with the area's population expected to contract by 8 persons by 2041 according to this methodology. However, growth across specific age cohorts is anticipated, led by the 75 to 84 age group, which is projected to expand by 204 people. See the age section for more details.

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 around 6 new dwelling approvals each year, totalling 30 homes over the past 5 financial years. So far in FY-26, 2 approvals have been recorded. Given an average of 5.1 new residents per year arriving per dwelling constructed over the past 5 financial years (between FY-21 and FY-25), demand is significantly outpacing supply, which typically puts upward pressure on prices and increases competition among buyers, while new homes are being built at an average value of $335,000. There have also been $2.5 million in commercial approvals this financial year, indicating limited commercial development focus.

When measured against Greater Sydney, Point Clare - Koolewong has significantly less development activity (76.0% below regional average per person). This scarcity of new homes typically strengthens demand and prices for existing properties. This is also below average nationally, reflecting the area's maturity and pointing to possible planning constraints. Further, recent development has been entirely comprised of detached dwellings, maintaining the area's traditional suburban character with a focus on family homes appealing to those seeking space. At around 1664 people per approval, Point Clare - Koolewong shows a mature, established area.

With the population expected to remain stable or decline, Point Clare - Koolewong should see reduced pressure on housing, potentially creating opportunities for buyers.

Point Clare - Koolewong has moderate levels of nearby infrastructure activity, ranking in the 49thth percentile nationally

Nothing can influence an area's performance as much as changes to local infrastructure, major projects, and planning initiatives. In total 10 projects have been identified by AreaSearch that are likely to have an impact on the area. Key projects include the Gosford Community Recreation Centre, West Gosford Village (Shopping Centre) Refurbishment, Gosford Hospital Redevelopment, and 10-16 Kendall St, Gosford, with the list below detailing those likely to be of most relevance.

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.

AreaSearch analysis of employment trends sees Point Clare - Koolewong performing better than 85% of local markets assessed across Australia

Point Clare - Koolewong has a well-educated workforce, with the technology sector a particular standout in terms of representation, an unemployment rate of just 2.1%, and 3.8% in estimated employment growth over the past year. As of December 2025, 3,387 residents are in work while the unemployment rate is 2.1% below Greater Sydney's rate of 4.2%, and workforce participation lags significantly (62.4% compared to Greater Sydney's 70.2%). Based on Census responses, a high 41.7% of residents were found to work from home, though Covid-19 lockdown impacts should be considered.

Leading employment industries among residents comprise health care & social assistance, retail trade, and professional & technical. The area shows particularly strong specialization in health care & social assistance, with an employment share of 1.3 times the regional level. On the other hand, finance & insurance is under-represented, with only 4.1% of Point Clare - Koolewong's workforce compared to 7.3% in Greater Sydney. The area appears to offer limited employment opportunities locally, as indicated by the count of Census working population vs resident population.

Based on AreaSearch analysis of SALM and ABS data, during the year to December 2025, employment levels increased by 3.8% and labour force increased by 3.7%, causing the unemployment rate to fall by 0.1 percentage points. By comparison, Greater Sydney recorded employment growth of 2.2%, labour force growth of 2.3%, with unemployment rising marginally. Jobs and Skills Australia's national employment forecasts from May-25 can offer further insight into potential future demand within Point Clare - Koolewong. These projections, covering five and ten-year periods, have been mapped against the local employment profile to estimate growth patterns. While national employment is forecast to expand by 6.6% over five years and 13.7% over ten years, growth rates differ significantly between industry sectors. 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 (please note this is a simple weighting extrapolation for illustrative purposes and does not take into account localised population projections).

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 FY-23 reveals that income in the Point Clare - Koolewong SA2 is just above the national average, with the median assessed at $54,372 while the average income stands at $68,848. This contrasts with Greater Sydney's figures of a median income of $60,817 and an average income of $83,003. Based on Wage Price Index growth of 8.86% since FY-23, current estimates would be approximately $59,189 (median) and $74,948 (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, ranking at the 49th percentile, and 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

Dwelling structure within Point Clare - Koolewong, as evaluated at the latest Census, comprised 89.4% houses and 10.6% other dwellings (semi-detached, apartments, 'other' dwellings), in comparison to Sydney metro's 55.9% houses and 44.1% other dwellings. Meanwhile, the level of home ownership within Point Clare - Koolewong was well beyond that of Sydney metro, at 38.1%, with the remainder of dwellings either mortgaged (37.7%) or rented (24.1%). The median monthly mortgage repayment in the area was well below the Sydney metro average at $2,000, while the median weekly rent figure was recorded at $400, compared to Sydney metro's $2,427 and $470. Nationally, Point Clare - Koolewong's mortgage repayments are higher than the Australian average of $1,863, while rents exceed the national figure of $375.

Point Clare - Koolewong has a typical household mix, with a lower-than-average median household size

Family households dominate at 70.5% of all households, comprising 31.6% couples with children, 27.0% couples without children, and 10.8% single parent families. Non-family households make up the remaining 29.5%, with lone person households at 26.8% and group households comprising 2.8% of the total. The median household size of 2.5 people is smaller than the Greater Sydney average of 2.7.

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

Educational qualifications in Point Clare - Koolewong trail regional benchmarks, with 29.2% of residents aged 15+ holding university degrees compared to 38.0% in Greater Sydney. This gap highlights potential for educational development and skills enhancement. Bachelor degrees lead at 18.8%, followed by postgraduate qualifications (6.8%) and graduate diplomas (3.6%). Trade and technical skills feature prominently, with 37.8% of residents aged 15+ holding vocational credentials, including advanced diplomas (13.0%) and certificates (24.8%).

Educational participation is notably high, with 27.4% of residents currently enrolled in formal education. This includes 9.6% in primary education, 7.0% in secondary education, and 4.3% pursuing tertiary education.

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

Public transport analysis reveals 94 active transport stops operating within Point Clare - Koolewong, comprising a mix of trains and buses. These stops are serviced by 16 individual routes, collectively providing 1,274 weekly passenger trips. Transport accessibility is rated as excellent, with residents typically located 169 meters from the nearest transport stop. As a primarily residential area, most residents commute outward; the car remains the dominant mode at 85%, with 8% by train. Vehicle ownership averages 1.3 per dwelling. A high 41.7% of residents work from home (2021 Census; may reflect COVID-19 conditions).

Service frequency averages 182 trips per day across all routes, equating to approximately 13 weekly trips per individual 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

Health data reveals substantial challenges facing Point Clare - Koolewong, based on AreaSearch's assessment of mortality rates and chronic condition prevalence. The prevalence of common health conditions is notable across both younger and older age cohorts, and the rate of private health cover just leads that of the average SA2 area at approximately 53% of the total population (~3,567 people). This compares to 59.9% across Greater Sydney.

The most common medical conditions in the area were found to be arthritis and mental health issues, impacting 9.3% and 8.9% of residents, respectively, while 64.0% declared themselves as completely clear of medical ailments compared to 74.6% across Greater Sydney. Working-age residents show an above average prevalence of chronic health conditions. The area has 24.8% of residents aged 65 and over (1,662 people), which is higher than the 15.4% in Greater Sydney. Health outcomes among seniors present some challenges, with national rankings broadly in line with the general population.

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 was found to be above average in terms of cultural diversity, with 10.9% of its population speaking a language other than English at home and 22.9% born overseas. The main religion in Point Clare - Koolewong is Christianity, which makes up 51.5% of people in the area, compared to 49.2% across Greater Sydney.

In terms of ancestry (country of birth of parents), the top three represented groups in Point Clare - Koolewong are English, comprising 31.6% of the population, which is substantially higher than the regional average of 19.0%, Australian, comprising 25.0% of the population, which is substantially higher than the regional average of 17.8%, and Irish, comprising 9.5% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Welsh is notably overrepresented at 0.8% of Point Clare - Koolewong (vs 0.4% regionally), Scottish at 9.1% (vs 4.8%) and South Australian at 0.7% (vs 0.5%).

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

The 46-year median age in Point Clare - Koolewong is notably higher than Greater Sydney's average of 37 and similarly well above the Australian median of 38. Compared to the Greater Sydney average, the 75 - 84 cohort is notably over-represented (9.8% locally), while 25 - 34 year-olds are under-represented (7.1%). Since the 2021 Census, the 75 to 84 age group has grown from 8.6% to 9.8% of the population. Conversely, the 25 to 34 cohort has declined from 9.0% to 7.1%. Population forecasts for 2041 indicate substantial demographic changes for Point Clare - Koolewong. The 75 to 84 age cohort is projected to see notable expansion, expanding by 161 people (25%) from 656 to 818. The aging population dynamic is clear, with those 65+ comprising 79% of projected growth. Conversely, the 65 to 74 and 25 to 34 cohorts are expected to experience population declines.