Point Clare

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

As of Feb 2026, the estimated population of Point Clare is around 4,035, reflecting an increase of 61 people since the 2021 Census, which reported a population of 3,974. This change is inferred from AreaSearch's estimation of 4,017 residents following examination of ABS ERP data released in June 2024 and validation of 12 new addresses since the Census date. The population density ratio is approximately 1,208 persons per square kilometer. Point Clare's 1.5% growth since census positions it within 1.7 percentage points of its SA3 area (3.2%). Overseas migration contributed approximately 87.0% of overall population gains during recent periods. AreaSearch adopts ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022.

For areas not covered by this data, NSW State Government's SA2 level projections are used, 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. Projected demographic shifts suggest lower quartile growth nationally, with Point Clare expected to grow by 34 persons to 2041, reflecting a gain of 0.7% in total over the 17 years.

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

AreaSearch analysis of ABS building approval numbers shows Point Clare has averaged around 4 dwelling approvals per year over the past 5 financial years, totalling approximately 20 homes. In FY-26 so far, 1 approval has been recorded. This results in an estimated 5.3 new residents arriving annually per dwelling constructed between FY-21 and FY-25. Commercial approvals registered this financial year amount to $1.0 million, indicating the area's residential nature.

Point Clare has significantly less development activity than Greater Sydney, with a 73.0% lower average per person. New construction is predominantly standalone homes, maintaining the area's traditional suburban character and appealing to families seeking space. With around 1148 people per dwelling approval, Point Clare reflects a mature market. Future projections estimate an addition of 27 residents by 2041, with current development patterns indicating new housing supply should readily meet demand, offering favourable conditions for buyers and potentially facilitating population growth beyond current projections.

Future projections show Point Clare adding 27 residents by 2041 (from the latest AreaSearch quarterly estimate). Based on current development patterns, new housing supply should readily meet demand, offering good conditions for buyers and potentially facilitating population growth beyond current projections.

Point Clare has strong levels of nearby infrastructure activity, ranking in the top 30% nationally

Changes in local infrastructure significantly affect an area's performance. AreaSearch has identified four projects that could impact the area: Gosford Community Recreation Centre, West Gosford Village Shopping Centre Refurbishment at 10-16 Kendall St, Gosford, and Northside Private Hospital. The following list details those most relevant.

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 performing better than 85% of local markets assessed across Australia

Point Clare has a skilled workforce with essential services sectors well represented. Its unemployment rate was 1.9% in the past year, with an estimated employment growth of 2.8%. As of September 2025, 1,961 residents are employed while the unemployment rate is 2.2% lower than Greater Sydney's rate of 4.2%.

Workforce participation in Point Clare is significantly lower at 60.4%, compared to Greater Sydney's 70.0%. According to Census responses, 40.4% of residents work from home, potentially influenced by Covid-19 lockdowns. Leading employment industries include health care & social assistance, retail trade, and professional & technical services. Point Clare has a particular specialization in health care & social assistance, with an employment share of 1.3 times the regional level.

In contrast, finance & insurance employs only 3.5% of local workers, below Greater Sydney's 7.3%. The area appears to offer limited local employment opportunities, as indicated by the count of Census working population versus resident population. Between September 2024 and September 2025, employment levels increased by 2.8%, while labour force increased by 3.1%, causing the unemployment rate to rise by 0.3 percentage points. In comparison, Greater Sydney experienced employment growth of 2.1% and labour force growth of 2.4%, with a 0.2 percentage point rise in unemployment rate. 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 projections to Point Clare's employment mix, local employment is estimated to increase by 7.0% over five years and 14.3% over ten years.

Income levels sit below national averages according to AreaSearch assessment

AreaSearch's latest postcode level ATO data for financial year 2023 shows that income in Point Clare is below national average. Median income is $49,769 and average income is $64,661. This contrasts with Greater Sydney's median of $60,817 and average of $83,003. Based on Wage Price Index growth of 8.86% since financial year 2023, estimated incomes as of September 2025 would be approximately $54,179 (median) and $70,390 (average). From the 2021 Census, household, family and personal incomes rank modestly in Point Clare, between 39th to 42nd percentiles. Income brackets indicate that 28.6% of residents earn between $1,500 and $2,999 (1,154 individuals), consistent with broader trends showing 30.9% in the same category. Housing affordability pressures are severe, with only 83.7% of income remaining, ranking at 43rd percentile. The area's SEIFA income ranking places it in the 6th decile.

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

In Point Clare, as per the latest Census evaluation, 85.8% of dwellings were houses while 14.1% consisted of semi-detached homes, apartments, and other types. This is compared to Sydney metro's 55.9% houses and 44.1% other dwellings. Home ownership in Point Clare stood at 38.0%, with mortgaged dwellings at 36.0% and rented ones at 26.0%. The median monthly mortgage repayment was $2,000, below Sydney metro's average of $2,427. The median weekly rent in Point Clare was $380, compared to Sydney metro's $470. Nationally, Point Clare's mortgage repayments exceeded the Australian average of $1,863, while rents were higher than the national figure of $375.

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

Family households constitute 68.4% of all households, including 31.4% couples with children, 24.6% couples without children, and 11.3% single parent families. Non-family households comprise the remaining 31.6%, with lone person households at 29.2% and group households making up 2.6%. The median household size is 2.5 people, smaller than Greater Sydney's average of 2.7.

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

The area's university qualification rate is 27.3%, significantly lower than Greater Sydney's average of 38.0%. Bachelor degrees are the most common at 17.9%, followed by postgraduate qualifications (6.4%) and graduate diplomas (3.0%). Vocational credentials are prevalent, with 38.5% of residents aged 15+ holding them, including advanced diplomas (12.9%) and certificates (25.6%). Educational participation is high at 27.4%, with 10.1% in primary education, 7.2% in secondary education, and 4.3% pursuing tertiary education.

Educational participation is notably high, with 27.4% of residents currently enrolled in formal education. This includes 10.1% in primary education, 7.2% 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

Point Clare has 36 active public transport stops offering a mix of train and bus services. These are served by 15 different routes, collectively providing 1,269 weekly passenger trips. Transport accessibility is rated excellent with residents typically located 191 meters from the nearest stop. Most commuters travel outward due to Point Clare's residential nature. Car remains the dominant mode at 86%, while train accounts for 8%. Vehicle ownership averages 1.3 per dwelling.

According to the 2021 Census, 40.4% of residents work from home, which may reflect COVID-19 conditions. Service frequency averages 181 trips per day across all routes, equating to approximately 35 weekly trips per individual stop.

Health performance in Point Clare is lower than average with common health conditions somewhat prevalent across the board, though to a considerably higher degree among older age cohorts

Point Clare faces significant health challenges based on AreaSearch's assessment. Mortality rates and chronic condition prevalence are high, with common health conditions prevalent across all age groups but more so among older cohorts.

Private health cover is at approximately 53% of the total population (~2,118 people), compared to 59.9% across Greater Sydney. The most common medical conditions are arthritis and mental health issues, affecting 9.4% and 9.4% of residents respectively. However, 63.0% of residents report no medical ailments, compared to 74.6% in Greater Sydney. Working-age residents have a higher prevalence of chronic health conditions than average. The area has 26.0% of residents aged 65 and over (1,049 people), which is higher than the 15.4% in Greater Sydney. Health outcomes among seniors present some challenges but rank lower nationally compared to the broader population.

In terms of cultural diversity, Point Clare 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, as per the Australian Bureau of Statistics Census 2016 data, had a higher than average cultural diversity with 10.6% speaking a language other than English at home and 22.6% born overseas. Christianity was the predominant religion in Point Clare, comprising 53.4%. Judaism was overrepresented compared to Greater Sydney, making up 0.1% versus 0.8%.

The top three ancestry groups were English (31.6%, regional average: 19.0%), Australian (26.7%, regional average: 17.8%), and Scottish (8.6%). Notably, French (0.8% vs 0.5%), Hungarian (0.4% vs 0.3%), and South African (0.9% vs 0.5%) ethnic groups were overrepresented in Point Clare compared to the regional averages.

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

The median age in Point Clare is 46 years, which is higher than Greater Sydney's average of 37 years and also exceeds the Australian median of 38 years. The 75-84 age group makes up 10.4% of Point Clare's population, compared to the Greater Sydney average, indicating an over-representation of this cohort locally. Conversely, the 25-34 age group is under-represented in Point Clare at 6.8%, compared to the Greater Sydney average. According to the 2021 Census, the percentage of the population aged 75 to 84 has increased from 9.2% to 10.4%, while the percentage of those aged 25 to 34 has decreased from 8.6% to 6.8%. By 2041, Point Clare's population is projected to see significant demographic shifts. The 75-84 age cohort is expected to grow by 110 people (26%), from 419 to 530. This aging population trend is evident, with those aged 65 and above accounting for 82% of the projected growth. Conversely, the 65-74 and 25-34 age groups are anticipated to experience population declines.