Question 1

Is Charmhaven a nice place to live?

Accepted Answer

Charmhaven is a lakeside, family-oriented suburb beside Tuggerah Lake with a quiet, low-key feel. Streets are mainly single-storey brick homes from the mid to late twentieth century with some newer infill, and residents use foreshore reserves and lake access for walking, fishing and boating. A small local shopping precinct covers everyday errands, while bus routes and nearby major roads link the suburb to larger town centres and the coast, making it practical for people who want water-based recreation but also access to broader Central Coast amenities.

The community is about 2,501 people with a median age of 39 and a typical household income of $1,392 a week (roughly $72,384 a year). Homes are mostly owner-occupied (68.5%) with renters at 31.6%, and families are dominated by couples, which together make up about 73.6% of families. Major local projects are planned, including an upgrade to the Charmhaven Sewage Treatment Plant and catchment pump-station works, capital grants listed for St Philip’s Christian College Charmhaven, and a council concept for a regional animal care facility.

Question 2

Is it expensive to live in Charmhaven?

Accepted Answer

A house renting for $605 a week in Charmhaven would take about 43.5% of a typical local household's weekly income of $1,392 as recorded at the most recent Census. That is a large share of income, so for renters housing would take a substantial portion of what a typical local household earned at the last Census; whether that feels expensive depends on your own income and circumstances.

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 Charmhaven a good place to invest?

Accepted Answer

House values in Charmhaven climbed 13.7% over the past 12 months, a strong rise in what a house is worth. House rents also increased, up 6.1% over the year, a solid gain in rental income.

For someone weighing the suburb as an investment, the figures show capital growth outpaced rental growth this year. If you are focused on capital gains the value change will be the key number to look at, while rental income is reflected in the rent movement. Whether that balance suits your goals and circumstances is for you to decide.

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	N/A	N/A
Change in value Past 12 months	13.7%	N/A
Sold Past 3 months	3	1
Median days on market Past 12 months	19	N/A
Average rent Past 12 months	$605	N/A
Change in rent Past 12 months	6.1%	N/A

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