Question 1

Is Belmont North a nice place to live?

Accepted Answer

Belmont North sits on the western shore of Lake Macquarie and feels like a relaxed, family-oriented lakeside suburb. Streets are established and tree-lined, with mainly mid-century single-storey houses and pockets of newer brick homes, and a handful of properties back onto the lake. Residents use the foreshore reserves and nearby wetlands for walking, fishing and birdwatching, while beaches on the coast are a short drive away. Everyday needs are met by a small local shopping strip, community clubs and sporting fields, and regular bus services plus straightforward road links to Newcastle and neighbouring coastal centres.

About 6,291 people live in Belmont North, with a median age of 40 and a median household income of $1,739 a week. The community is weighted towards couple families, many with children, and owner-occupation is high at 81.1% of dwellings. The suburb now hosts a Community Recycling Centre at Floraville Road, and local sports infrastructure has been upgraded at Lenaghan Oval, with the park also identified for further amenities and supporting improvements. Whether that mix suits you depends on what you want from a suburb.

Question 2

Is it expensive to live in Belmont North?

Accepted Answer

A house at the current median of $1,052,500 in Belmont North works out to about 11.6 times a typical local annual household income at the last Census (weekly household income $1,739 × 52 = $90,428). On those figures, buying sits well above what a typical local household earned at the last Census.

For renters, the averages tell a different part of the story: $700 a week for a house would take about 40.3% of a typical local household's weekly income at the last Census, while $520 a week for a unit would take about 29.9%. That means renting a house would take a large share of the typical local income at the last Census, and renting a unit a sizeable share.

Everyone's financial situation is different, so it's important to consider your own circumstances when deciding which suburb is right for you.

Question 3

Is Belmont North a good place to invest?

Accepted Answer

In Belmont North over the past 12 months house values climbed 12.6%, a strong rise in what houses are worth. House rents increased 3.7% over the year, a modest gain, while unit rents rose 5.1%, a solid increase, so rent growth for units outpaced rent growth for houses and the rise in house values exceeded the rise in rents. If capital growth is your priority the house value movement is the standout; if rental income matters more, unit rents showed the stronger growth. Whether that balance fits your goals and circumstances is for you to weigh up.

This information has been prepared without taking your objectives, needs and overall financial situation into account. It is not meant to be a substitute for professional financial advice. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice.

	Houses	Units
Median price Past 3 months	$1.05M	N/A
Change in value Past 12 months	12.6%	N/A
Sold Past 3 months	26	1
Median days on market Past 12 months	16	N/A
Average rent Past 12 months	$700	$520
Change in rent Past 12 months	3.7%	5.1%

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