Umina Beach
Umina Beach is a coastal suburb on the NSW Central Coast, about 39 kilometres from the Sydney CBD, with shops, cafes and restaurants close by and patrolled beaches on its doorstep. It is a relaxed place to live that still keeps everyday convenience within easy reach.
At a glance
- Population: 17,732
- Area size: 6.99 km²
- Median weekly household income: $1,585
- Median monthly mortgage repayments: $2,476
Living on the Central Coast
What it's like to live in Umina Beach
Umina Beach is home to 17,372 people across 6.99 square kilometres. Population has grown at every Census since 2001, from 15,200 to 17,372 in 2021, and with an average of 2.4 people per household it suits couples, small families and downsizers.
Umina Beach Population & Household Growth Over Time
| 2001 | 2006 | 2011 | 2016 | 2021 | |
|---|---|---|---|---|---|
| Population | 15,200 | 15,392 | 16,059 | 16,733 | 17,372 |
| Median weekly household income | No data | $746 | $917 | $1,160 | $1,421 |
| Medial Monthly Mortgage Repayments | No Data | $1,408 | $1,841 | $1,800 | $2,100 |
| Percentage of Owner Occupier | 69% | 61% | 66% | 65% | 64% |
| Percentage of Renter | 31% | 39% | 34% | 35% | 36% |
| Total Dwellings | 6,868 | 7,056 | 7,332 | 7,582 | 7,861 |
| Average People per Household | No Data | 2.4 | 2.4 | 2.4 | 2.4 |
Owner-occupiers make up 64% of households and renters 36%. About 76% of dwellings are separate houses, 14% are townhouses and 8% are flats or apartments. The leading occupations are Professionals (20%), Technicians and Trades Workers (15%) and Clerical and Administrative Workers (14%), and the top employing industries are Hospitals, Aged Care Residential Services, and Supermarket and Grocery Stores.
Housing options for owner-occupiers
Umina Beach is mostly free-standing homes, with townhouses and a few apartment complexes adding choice. The range runs from modern family homes with water views to charming original houses, so there is something for most budgets and lifestyles. Buyers after acreage will need to look beyond this suburb, and there are some pockets of social housing within it.
Current property snapshot (October 2026)
| Metric | Houses | Units |
|---|---|---|
| Median Price | $1,250,000 | $915,000 |
| Median Rent (per week) | $670 | $620 |
| Typical time to sell | 40 | 28 |
| Gross rental yield | 2.79% | 3.52% |
How Prices Have Moved Over Time (Houses)
| Period | Change |
|---|---|
| 3 Months | -0.79% (-$10,000) |
| 12 Months | 6.16% ($72,500) |
| 3 Years | 23.76% ($240,000) |
| 5 Years | 31.93% ($302,500) |
| 5-year average annual growth | 5.70% |
| 10-year average annual growth | 6.19% |
| 20-year average annual growth | 6.57% |
| 30-year average annual growth | 7.73% |
Renting in Killarney Vale
If you're relocating and renting first, or thinking about a granny flat or room rental arrangement to help with a mortgage, median rent for a house here is $665 a week, up 6.40% in the past year and 37.68% over five years. Units sit at $535 a week, up 1.90% over the year and 25.88% over five years. Demand has outpaced advertised supply here for some time.
Schools and childcare
Umina Beach is home to Umina Beach Public School (primary) and Brisbane Water Secondary College Umina Campus (secondary), both government schools.
For early learning and care, there are four services in the suburb: Milestones Early Learning Umina on Nowack Avenue, Hunter Kids Umina Beach on Sydney Avenue, Umina Beach Before and After School Care on Hobart Avenue, and Coastwide OOSH at Umina Beach Public School.
Health and everyday amenities
The suburb has a wide range of shops, cafes and restaurants, along with a Woolworths and the Peninsula Recreation Precinct, a well-regarded playground and sports precinct across the road from the beach. Hospitals (4.0%), aged care (3.7%) and supermarkets and grocery stores (3.3%) are the top employing industries for residents, so health care and everyday retail shape local life.
An affordable, growing coastal community
Umina Beach's SEIFA advantage score (the ABS's measure of relative socio-economic advantage) has sat at 3 or 4 out of 10 at every Census since 2001, below the midpoint of 5, pointing to a more affordable, mixed community rather than a high-income enclave. Median weekly household income has nearly doubled from $746 in 2006 to $1,421 at the 2021 Census, with the current estimate now $1,585 a week, and houses are up 31.93% over five years. Public and community housing makes up 1.11% of dwellings (87 dwellings), a small share of the suburb's housing.
Getting around
Umina Beach is about a 10 minute drive to Woy Woy train station, on the Central Coast and Newcastle Line, and about a 20 minute drive to the M1 motorway, which connects Sydney and Newcastle. Local Busways services also link the suburb with Woy Woy station and Gosford. For a different way to travel, a ferry runs from neighbouring Ettalong Beach to Palm Beach, a 30 minute trip, with departures all day, every day.
Our local favourite
For a coffee in Umina Beach, we like Jasmine Greens Park Kiosk in the Peninsula Recreation Precinct on Sydney Avenue, across the road from the beach, serving coffee, breakfast, burgers and fish and chips.
Are you ready to embrace coastal living in Umina Beach? Let Sharp Property Buyers, your trusted Central Coast Buyers Agent, help you find the right property in this beachside suburb. Contact us today, and together, we'll turn your plans for coastal living into a reality.
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