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 has a population of approximately 6,697 as of May 2026, according to AreaSearch data. This is 126 more residents (a 1.9% rise) than the 2021 Census count of 6,571. The estimate is derived from the ABS's estimated resident population of 6,697 in June 2025 alongside 14 newly confirmed addresses since the Census. This population translates to a density of 987 individuals per square kilometer, which aligns closely with typical averages across examined regions. The area's 1.9% post-census growth rate is within 0.7 percentage points of the wider SA3 region's 2.6% rate, showing competitive underlying growth. Overseas migration was the primary driver of this growth, accounting for roughly 77.0% of the overall population increases in recent times.

Projections from ABS and Geoscience Australia released in 2024 (using 2022 as a base year) are utilized for each SA2 area, supplemented by 2022 NSW State Government projections (using 2021 as a base year) where necessary. Growth rates by age brackets from these data sets are applied to all locations for the years 2032 to 2041. Based on this approach, the total population is projected to contract by 56 individuals by 2041. Even with this overall reduction, certain age cohorts are expected to grow, particularly the 75 to 84 age group, which is projected to rise by 171 individuals.

AreaSearch assessment of residential development drivers sees a low level of activity in Point Clare - Koolewong, placing the area among the bottom 25% of areas assessed nationally

Point Clare - Koolewong averages approximately 6 residential building approvals per year, resulting in a total of 30 new dwellings over the last 5 financial years. In the current financial year of FY-26, 3 approvals have been logged. Given that an average of 3.3 individuals moved to the area for every new home constructed over the 5 financial years from FY-21 to FY-25, demand is outpacing supply, which commonly puts pressure on prices and intensifies buyer competition, while new builds average a construction cost of $335,000. In addition, $2.5 million in commercial development approvals have been registered during this financial year, which points to the predominantly residential profile of the neighborhood.

Property development in Point Clare - Koolewong is very quiet compared to Greater Sydney, sitting 76.0% below the regional average on a per capita basis. A low volume of new construction typically supports demand and valuations for established housing. This rate also sits below the national average, reflecting a fully established area and potential planning limitations. Furthermore, all recent development has consisted of detached houses, preserving the classic suburban feel and offering spacious layouts suited for families. The ratio of approximately 1672 residents for every single approval highlights the mature nature of the suburb.

As demographic projections indicate a stable or contracting population, pressure on housing demand should ease in Point Clare - Koolewong, which is positive for prospective buyers.

Point Clare - Koolewong has moderate levels of nearby infrastructure activity, ranking in the 46thth percentile nationally

Changes to infrastructure, major construction projects, and zoning plans are key influences on local performance. In total, 10 projects have been identified that are expected to influence the local area. Significant developments include the Gosford Community Recreation Centre, the refurbishment of West Gosford Village Shopping Centre, the Gosford Hospital Redevelopment, and the project at 10-16 Kendall St, Gosford, with the following list detailing the most relevant initiatives.

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

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

Point Clare - Koolewong boasts a highly educated labor force, with the technology industry standing out for its strong representation. The area recorded an unemployment rate of 2.2% alongside an estimated employment growth of 3.6% during the previous year. By March 2026, the local workforce counted 3,413 employed residents, which placed the unemployment rate at 1.9% lower than the Greater Sydney average of 4.1%. However, workforce participation rates remain notably lower, sitting at 62.8% in contrast to Greater Sydney's 69.1%. Census data indicates that a substantial 41.7% of residents engage in remote work, a figure that should be interpreted with consideration for the lingering effects of Covid-19 lockdown measures.

The primary sectors employing local residents are health care & social assistance, retail trade, and professional & technical services. The suburb exhibits a clear specialization in health care & social assistance, where the proportion of employed residents is 1.3 times higher than the metropolitan average. Conversely, the finance & insurance sector is underrepresented, employing 4.1% of local workers compared to 7.3% across Greater Sydney. Comparing the Census working population against the resident population suggests a low number of local job opportunities.

An analysis of SALM and ABS data shows that for the year ending March 2026, the count of employed residents rose by 3.6% and the total labor force grew by 3.5%, leading to a 0.1 percentage point reduction in the unemployment rate. Over the same period, Greater Sydney saw employment and labor force both expand by 1.9%, with a minor decrease in unemployment. Jobs and Skills Australia's national forecasts from May-25 provide an indication of prospective labor demand in Point Clare - Koolewong. These five and ten-year projections have been applied to the local workforce structure to model future patterns. Nationally, employment is predicted to grow by 6.6% over five years and 13.7% over ten years, though rates vary by industry. Applying these trends to the local industry mix suggests employment among residents could grow by 7.0% over five years and 14.3% over ten years, representing a basic weighting extrapolation that excludes local population projections.

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

ATO records for the 2023 financial year show that incomes in the Point Clare - Koolewong SA2 are slightly above the national average, with a median of $54,372 and an average of $68,848. This is lower than the Greater Sydney median of $60,817 and average of $83,003. Factoring in Wage Price Index growth of 10.32% since the 2023 financial year, current estimates would be approximately $59,983 for the median and $75,953 for the average as of March 2026. The 2021 Census shows household, family, and individual incomes are modest, falling between the 41st and 48th percentiles. The largest income bracket contains 30.4% of residents (2,035 people) earning between $1,500 and $2,999 weekly, which is similar to the broader region where 30.9% are in this range. Affordability pressures are notable, with 84.3% of income remaining after housing costs, placing the area in the 49th percentile, while the SEIFA index for income places the area in the 6th decile.

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

At the time of the last Census, the housing mix in Point Clare - Koolewong consisted of 89.4% detached houses and 10.6% semi-detached properties, townhouses, and apartments, compared to Greater Sydney's mix of 55.9% houses and 44.1% multi-dwelling options. Home ownership was high, with 38.1% of homes owned outright, while 37.7% were mortgaged and 24.1% were rented. The median monthly mortgage payment of $2,000 was lower than the Sydney metropolitan average of $2,427, and the median weekly rent of $400 was lower than the metropolitan figure of $470. On a national level, local mortgage costs exceed the Australian average of $1,863, and rents are higher than the national median of $375.

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

Families make up 70.5% of households, consisting of couples with children at 31.6%, couples without children at 27.0%, and single parents at 10.8%. Non-family households account for 29.5% of the total, with single-person households representing 26.8% and group households making up 2.8%. The median household size of 2.5 residents 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

The proportion of residents with tertiary qualifications is lower than the metropolitan average, with 29.2% of those aged 15 and over holding a university degree compared to 38.0% across Greater Sydney. Bachelor degrees are the most common at 18.8%, followed by postgraduate degrees at 6.8% and graduate diplomas at 3.6%. Vocational training is common, with 37.8% of residents aged 15 and over holding qualification credentials, consisting of advanced diplomas at 13.0% and certificates at 24.8%.

A significant proportion of the population is engaged in study, with 27.4% of residents enrolled in an educational institution. This includes 9.6% in primary school, 7.0% in high school, and 4.3% studying at a tertiary level.

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

There are 94 active public transport stops in Point Clare - Koolewong, offering a combination of train and bus services. These stops connect to 16 distinct routes, delivering 1,274 passenger trips weekly. Accessibility is high, with residents living an average of 169 meters from the closest stop. Because the suburb is mostly residential, most workers commute out of the area, with private vehicles remaining the primary transport mode at 85% and trains accounting for 8%. Households average 1.3 vehicles. A high proportion of residents (41.7%) worked from home, according to the 2021 Census, which was likely affected by pandemic conditions.

Public transport services average 182 daily trips across the network, which represents approximately 13 weekly trips for each 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

An assessment of mortality figures and chronic illnesses indicates notable health challenges in Point Clare - Koolewong, with medical conditions prominent across both younger and older cohorts. Private health insurance coverage is slightly above the average SA2 area at approximately 53% of the population (~3,569 people), compared to 59.9% across Greater Sydney.

Arthritis and mental health conditions are the most prevalent issues, affecting 9.3% and 8.9% of residents, respectively, while 64.0% of the population reported no chronic conditions compared to 74.6% in Greater Sydney. Residents of working age exhibit higher than average rates of chronic health conditions. Seniors aged 65 and over make up 24.2% of the population (1,621 people), compared to 15.5% in Greater Sydney. Health outcomes for this older demographic show some challenges, with national rankings aligning closely 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

The area shows higher than average levels of cultural diversity, with 10.9% of residents speaking a non-English language at home and 22.9% born outside Australia. Christianity is the dominant religion, practiced by 51.5% of the local population, compared to 49.2% in Greater Sydney.

Regarding parental country of birth, the three largest ancestry groups are English at 31.6% (compared to the regional average of 19.0%), Australian at 25.0% (compared to the regional average of 17.8%), and Irish at 9.5%. There are also distinct differences in other groups: Welsh ancestry represents 0.8% of the local population (compared to 0.4% regionally), Scottish is at 9.1% (compared to 4.8%), and South Australian is at 0.7% (compared to 0.5%).

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

The median age of 46 years in Point Clare - Koolewong is higher than the Greater Sydney average of 37 and the national median of 38. The 75 - 84 age group is over-represented locally at 9.3% compared to the Sydney average, while the 25 - 34 cohort is under-represented at 8.0%. Since the 2021 Census, the proportion of residents aged 15 to 24 grew from 10.0% to 10.8%, while the 25 to 34 age bracket fell from 9.0% to 8.0%. Demographic forecasts for 2041 point to shifts, with the 75 to 84 age group expected to grow by 154 people (25%) from 625 to 780. This aging trend is notable, with residents aged 65 and over representing 78% of the projected growth, while the 65 to 74 and 25 to 34 cohorts are expected to decrease.