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ABS 2021 Census · Updated 21 May 2026
Cooleys Creek is a regional centre in New South Wales, Australia, with a population of approximately 8, making it a boutique locality. Located approximately 329 km from the Sydney CBD, Cooleys Creek is a regional area in New South Wales. The median household income is $117,000 per year.
Cooleys Creek benefits from a high-income resident base, supporting premium property pricing. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for Cooleys Creek. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Cooleys Creek on My School →Estimated 1 park and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Cooleys Creek is a smaller community of 8 — about 0% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $117,000/year runs 20% above the New South Wales suburb median of $97,552, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Rent of $310/week (77% coverage of the $1,734/month median mortgage) leaves a gap of roughly $391/month that a typical investor bridges with negative gearing, depreciation and capital growth. Cooleys Creek is 329 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
How Cooleys Creek stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Cooleys Creek sits above the state median; negative means below.
| Metric | Cooleys Creek | NSW median | Δ vs state |
|---|---|---|---|
| Population | 8 | 5,325 | -100% |
| Median household income | $117,000/yr | $97,552/yr | +20% |
| Median rent (weekly) | $310 | $430 | -28% |
| Median mortgage (monthly) | $1,734 | $2,167 | -20% |
| Distance to CBD | 329 km | 45 km | +631% |
Pre-inspection briefing for Cooleys Creek — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 8 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Moderate rental coverage: rent of $310/week covers 77% of a $1,734/month mortgage, leaving a $391/month gap that an investor bridges with equity, depreciation and tax benefits.
With a population of 8, the resale market in Cooleys Creek may not reliably reward cosmetic renovations — a longer hold is typically a better strategy at this scale, letting land-value appreciation do the work instead.
Run the numbers on a Cooleys Creek property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Cooleys Creek are modest for 2026 — incomes 20% above the NSW median of $97,552 and a population of 8 suggest gains will lag headline metro markets. Rental coverage runs at ~77% of the typical mortgage ($1,343/month rent vs $1,734/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 50/100 places Cooleys Creek in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Cooleys Creek scores 50/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 8, median household income of $117,000/year and median weekly rent of $310. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Cooleys Creek are an above-state-median household income of $117,000/year, roughly 1 schools and 1 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Cooleys Creek has a usual resident population of approximately 8, compared with a New South Wales suburb median of 5,325 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
Cooleys Creek sits 329 km straight-line from the Sydney CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
The most recent census recorded a median weekly rent of $310 in Cooleys Creek, equating to approximately $16,120/year in gross rental income (state median $430/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
The median monthly mortgage repayment in Cooleys Creek is $1,734, or approximately $20,808/year (vs $2,167/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
A median weekly rent of $310 works out to $1,343/month, covering 77% of the median mortgage repayment of $1,734/month. That leaves a $391/month shortfall (around $4,692/year before tax benefits), so a typical owner-occupier-priced property here is negatively geared. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
The main risks are a thin buyer pool (8 residents), interest-rate sensitivity on the $1,734 median mortgage, the broader New South Wales market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.