Point Clare

An assessment of population growth drivers in Point Clare reveals an overall ranking slightly below national averages considering recent, and medium term trends

As of Nov 2025, the estimated population of Point Clare is around 4,043, showing an increase of 69 people since the 2021 Census which reported a population of 3,974. This growth reflects an estimated resident population of 4,028 by AreaSearch, following examination of the latest ERP data release by the ABS in Jun 2024 and validation of 12 new addresses since the Census date. The population density is approximately 1,210 persons per square kilometer, higher than the average across national locations assessed by AreaSearch. Point Clare's growth rate of 1.7% since the census is within 0.6 percentage points of the SA3 area's 2.3%, indicating competitive growth fundamentals. Overseas migration contributed approximately 87.0% of overall population gains during recent periods, driving primary growth in the suburb. 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, AreaSearch uses NSW State Government's SA2 level projections, released in 2022 with a base year of 2021. Growth rates by age group are applied to all areas for years 2032 to 2041. Based on projected demographic shifts, the suburb is expected to grow by 38 persons to 2041, reflecting a gain of 0.6% in total over the 17-year period.

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 received around 4 dwelling approvals per year over the past 5 financial years, totalling approximately 22 homes. As of FY-26, 1 approval has been recorded. This results in an average of 4.9 new residents arriving annually for each dwelling constructed between FY-21 and FY-25. The supply of new dwellings is lagging behind demand, leading to heightened buyer competition and pricing pressures.

New homes are being built at an average construction cost value of $418,000, below regional norms. Point Clare has registered $65,000 in commercial approvals this financial year, reflecting its residential nature. Compared to Greater Sydney, Point Clare has significantly less development activity, which is 71.0% below the regional average per person. This constrained new construction typically reinforces demand and pricing for existing homes. The area's established nature is also indicated by its activity being under the national average, suggesting potential planning limitations.

All new construction in Point Clare has been standalone homes, maintaining the area's traditional suburban character focused on family homes. With around 2008 people per dwelling approval, Point Clare reflects a highly mature market. Future projections estimate Point Clare to add 23 residents by 2041 based on current development patterns, suggesting new housing supply should readily meet demand and potentially facilitate population growth beyond current projections.

Point Clare has very high levels of nearby infrastructure activity, ranking in the top 10% nationally

Changes to local infrastructure significantly impact an area's performance. AreaSearch identified four projects likely affecting this region. Notable ones are Gosford Community Recreation Centre, West Gosford Village Shopping Centre Refurbishment at 10-16 Kendall St, Gosford, and Northside Private Hospital.

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

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

Point Clare has a skilled workforce with essential services sectors well represented. The unemployment rate was 2.0% in the past year, with an estimated employment growth of 2.3%.

As of June 2025, 1,951 residents are employed while the unemployment rate is 2.2% lower than Greater Sydney's rate of 4.2%. Workforce participation is somewhat below standard at 55.7%, compared to Greater Sydney's 60.0%. Leading employment industries include health care & social assistance, retail trade, and professional & technical services. The area has a particular specialization in health care & social assistance, employing 1.3 times the regional level.

In contrast, finance & insurance employs only 3.5% of local workers, below Greater Sydney's 7.3%. Employment opportunities locally appear limited, with Census data showing fewer working residents than residents overall. Between June 2024 and June 2025, employment levels increased by 2.3%, labour force by 2.6%, leading to a 0.4 percentage point rise in unemployment rate. In comparison, Greater Sydney experienced employment growth of 2.6% and labour force growth of 2.9%, with a 0.3 percentage point rise in unemployment rate. Jobs and Skills Australia's national employment forecasts from Sep-22 project national employment to expand by 6.6% over five years and 14.3% over ten years. Applying these projections to Point Clare'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.

The area's income profile falls below national averages based on AreaSearch analysis

AreaSearch's latest postcode level ATO data for financial year ending June 2022 shows median income in Point Clare at $49,769 and average income at $64,661. This contrasts with Greater Sydney's median income of $56,994 and average income of $80,856 in the same period. Based on Wage Price Index growth of 12.61% from financial year ending June 2022 to September 2025, estimated current incomes would be approximately $56,045 (median) and $72,815 (average). From the Census conducted in August 2021, household, family, and personal incomes rank modestly in Point Clare, between the 39th and 42nd percentiles. Income brackets indicate that 28.6% of individuals earn between $1,500 and $2,999 annually, consistent with broader trends across the broader area showing 30.9% in the same category. Housing affordability pressures are severe, with only 83.7% of income remaining after housing costs, ranking at the 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

Point Clare's dwelling structure, as per the latest Census, consisted of 85.8% houses and 14.1% other dwellings (semi-detached, apartments, 'other' dwellings), contrasting with Sydney metro's 74.2% houses and 25.9% other dwellings. Home ownership in Point Clare stood at 38.0%, similar to Sydney metro, with mortgaged dwellings at 36.0% and rented ones at 26.0%. The median monthly mortgage repayment in the area was $2,000, lower than Sydney metro's average of $2,150. Median weekly rent in Point Clare was recorded at $380, compared to Sydney metro's $400. 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 fairly typical 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 account for 31.6%, with lone person households at 29.2% and group households comprising 2.6%. The median household size is 2.5 people, aligning with the Greater Sydney average.

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 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 - advanced diplomas (12.9%) and certificates (25.6%). Educational participation is high at 27.4%, including primary education (10.1%), secondary education (7.2%), and tertiary education (4.3%).

Point Clare Public School, with an enrollment of 489 students, serves the area and has above-average socio-educational conditions (ICSEA: 1055). The school focuses on primary education; secondary options are available in nearby areas. There are 12.1 school places per 100 residents, below the regional average of 15.9, indicating some students may attend schools in adjacent areas.

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

Point Clare has 30 active transport stops, offering a mix of train and bus services. These stops are served by 16 different routes that collectively facilitate 1,055 weekly passenger trips. Residents enjoy excellent transport accessibility, with an average proximity of 191 meters to the nearest stop.

Service frequency is high, with an average of 150 trips per day across all routes, translating to approximately 35 weekly trips per individual stop.

Health performance in Point Clare is well below average with a range of health conditions having marked impacts on both younger and older age cohorts

Point Clare faces significant health challenges, as indicated by health data. The area has a private health cover rate of approximately 53%, slightly higher than the average SA2 area but lower than Greater Sydney's 54.7%.

The most prevalent 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 64.8% in Greater Sydney. Point Clare has a higher proportion of seniors aged 65 and over, at 25.5% (1,030 people), compared to Greater Sydney's 24.5%. Senior health outcomes align with the general population's health profile but present some challenges.

The level of cultural diversity witnessed in Point Clare was found to be above average when compared nationally for a number of language and cultural background related metrics

Point Clare's population showed 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, accounting for 53.4%. Judaism, however, was slightly overrepresented compared to Greater Sydney, comprising 0.1% versus 0.2%.

In terms of ancestry, the top three groups were English (31.6%), Australian (26.7%), and Scottish (8.6%). Some ethnic groups showed notable differences: French (0.8%) was more prevalent than regionally (0.5%), as were Hungarian (0.4% vs 0.3%) and South African (0.9% vs 0.5%).

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 Australia's median of 38 years. Compared to Greater Sydney, Point Clare has a notably higher proportion of people aged 75-84 (10.2% locally) but fewer people aged 25-34 (7.3%). Between the 2021 Census and now, the population aged 15-24 has increased from 9.9% to 11.0%, while the 25-34 age group has decreased from 8.6% to 7.3%. By 2041, Point Clare's population is projected to see significant changes. The 75-84 age cohort is expected to grow by 118 people (29%), from 412 to 531. Those aged 65 and above are projected to comprise 84% of the total population growth. Conversely, the 5-14 and 55-64 age groups are expected to experience population declines.