Get a property report and suburb profile for any property in Umina Beach

Umina Beach is a relaxed coastal suburb centred on a long sandy shoreline and a compact village-style town centre. Sitting on the northern edge of the Bouddi Peninsula, it has easy access to ocean beaches, headland walks and nearby bushland in Bouddi National Park. Housing ranges from older fibro and weatherboard cottages to low-rise units and newer townhouses, attracting families, downsizers and people seeking a beachside lifestyle with local convenience. Cafes, surf clubs, schools and parks contribute to a community feel.

About 17,372 people live in Umina Beach, with a median age of 44 and a median household income of $1,421 a week. Couple families, with and without children, make up most households and owner-occupation is the norm at 65.9% while renters are 34.1%. Regular road links and nearby ferry and rail connections make wider commuting practical. Several public projects are focused on the foreshore and beach safety, alongside upgrades to community facilities and a proposed shared-path extension between Ettalong and Umina.

On the figures, buying in Umina Beach sits well above what a typical local household earned at the last Census. A median house price of $1,207,500 is about 16.3 times a typical local annual household income at the last Census, and the median unit price of $1,200,000 is about 16.2 times that same annual income, which puts purchase prices well above local incomes on the numbers shown.

Renting also takes a large share of local income. House rent at $650 a week would be about 45.8% of a typical local household's weekly income at the last Census, while unit rent at $550 a week would be about 38.7% of that weekly income. If you are focusing on renting rather than buying, those rent shares are the most relevant figures to consider.

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

House values in Umina Beach rose 9.6% over the past 12 months, a solid increase in what houses are worth. Unit values fell 1.4% over the same period, a slight decline, while the rent units earn rose 7.8%, a solid gain.

For someone weighing Umina Beach up as an investment, the value numbers point to capital growth on the house side this year, while the unit side showed stronger movement in rental income than in price. Which of those outcomes matters most depends on whether you prioritise capital growth or rental income and on your own circumstances.

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.