Question 1

Is Raymond Terrace a nice place to live?

Accepted Answer

Raymond Terrace sits where the Hunter and Williams rivers meet and serves as a riverside service town for neighbouring coastal and rural communities near Port Stephens. Streets along the river show older weatherboard cottages and riverside homes, while suburban estates stretch toward the outskirts and attract families, tradespeople and retirees. A compact shopping precinct, schools, community clubs and local health services are on hand, and boating and fishing form part of everyday life. Road links including the Pacific Highway and regional bus services connect residents to nearby centres.

About 13,453 people live in Raymond Terrace; the median age is 37. Couple families make up about 70.8% of families and 59.4% of dwellings are owner-occupied while renters are 40.5%. The suburb is included in the NSW Government's M1 Pacific Motorway extension program, and Port Stephens Council is preparing a Raymond Terrace Place Plan and public domain plan, with council works and partnerships covering parks, a sports complex and measures to support greater housing diversity in line with the master plan.

Question 2

Is it expensive to live in Raymond Terrace?

Accepted Answer

In Raymond Terrace the numbers show buying sits well above local incomes. The median house price of $780,000 is about 11.6 times a typical local household's annual income as recorded at the most recent Census, which places buying well above what households locally earned at the last Census.

Renting also takes a large share of local income. A house rent of $600 a week is about 46.3% of a typical local household's weekly income at the last Census (a large share), while a unit rent of $515 a week is about 39.7% of that weekly income (a sizeable share). If you're renting rather than buying, those rent shares are the most relevant measures, and whether they feel expensive will depend 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 Raymond Terrace a good place to invest?

Accepted Answer

House values in Raymond Terrace climbed a strong 11.9% over the past 12 months, while unit values rose a solid 9.8%. On the rental side, unit rents increased 6.2% and house rents were up a more modest 3.4%. For someone weighing Raymond Terrace up as an investment, the value figures relate to capital growth over the year and the rent figures relate to rental income; here values rose faster than rents for both property types, and unit rents grew faster than house rents.

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	$780K	N/A
Change in value Past 12 months	11.9%	9.8%
Sold Past 3 months	52	5
Median days on market Past 12 months	20	22
Average rent Past 12 months	$600	$515
Change in rent Past 12 months	3.4%	6.2%

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