Coffs Harbour suburbs where homes are owned outright

North Boambee Valley tops the ranking, where 47.5% of homes are owned outright — no mortgage against them (349 dwellings). Woolgoolga and Bonville follow.

This page ranks Coffs Harbour suburbs by the share of occupied private dwellings owned outright — owned with no mortgage against them — at the 2021 Census. Only suburbs with at least 2,000 residents are ranked.

Owned outright is a narrower measure than owner-occupied, and the difference is the point: a suburb can be almost entirely owner-occupied and still be mostly mortgaged. The share here is dwellings owned without a mortgage divided by all dwellings whose tenure was reported — outright, mortgaged and rented added together, because the ABS publishes a count per tenure type and no total. High shares tend to mark established, older, low-turnover places rather than desirable ones, and that is a description of who lives there now, not a recommendation.

Coffs Harbour suburbs where the most homes are owned outright

Ranked by the share of occupied private dwellings owned without a mortgage at the 2021 Census, among suburbs with at least 2,000 residents. Owned outright is a narrower measure than owner-occupied — it excludes everyone still paying one off.

1

North Boambee Valley

NSW 2450 · 2,318 residents

47.5% of homes owned outright · 349 dwellings

C 100.0
2

Woolgoolga

NSW 2456 · 6,151 residents

45.8% of homes owned outright · 1,018 dwellings

D 90.9
3

Bonville

NSW 2450 · 2,939 residents

45.8% of homes owned outright · 445 dwellings

C 81.8
4

Sapphire Beach

NSW 2450 · 2,660 residents

45.4% of homes owned outright · 439 dwellings

C 72.7
5

Korora

NSW 2450 · 2,740 residents

43.4% of homes owned outright · 430 dwellings

C 63.6
6

Sawtell

NSW 2452 · 3,788 residents

43.2% of homes owned outright · 656 dwellings

C 54.5
7

Moonee Beach

NSW 2450 · 2,176 residents

38.9% of homes owned outright · 284 dwellings

C 45.5
8

Emerald Beach

NSW 2456 · 2,677 residents

37.5% of homes owned outright · 344 dwellings

C 36.4
9

Boambee East

NSW 2452 · 5,304 residents

36.1% of homes owned outright · 718 dwellings

C 27.3
10

Coffs Harbour

NSW 2450 · 27,089 residents

34.1% of homes owned outright · 3,520 dwellings

C 18.2
11

Toormina

NSW 2452 · 6,171 residents

32.8% of homes owned outright · 746 dwellings

C 9.1
12

Sandy Beach

NSW 2456 · 2,913 residents

29.5% of homes owned outright · 296 dwellings

C 0.0

Ranked from 12 qualifying suburbs.

How we ranked these

100% share of occupied private dwellings owned WITHOUT a mortgage in the 2021 Census, divided by all dwellings whose tenure was reported — owned outright, mortgaged and rented added together, because the ABS publishes a count per tenure type and no total — and percentile-ranked within Coffs Harbour's candidate pool. A narrower measure than owner-occupied, which counts everyone still paying one off. Only suburbs with at least 2,000 residents qualify, and the larger absolute number of outright-owned dwellings breaks ties. Descriptive ABS Census data, not a recommendation. See how we calculate for the full methodology.

Common questions about this ranking

What are the coffs Harbour suburbs where homes are owned outright?

North Boambee Valley tops the ranking, where 47.5% of homes are owned outright — no mortgage against them (349 dwellings). Woolgoolga and Bonville follow.

How is this ranking put together?

Each Coffs Harbour suburb is ranked by the share of its occupied private dwellings owned without a mortgage in the 2021 Census. The denominator is every dwelling whose tenure was reported — owned outright, owned with a mortgage and rented, added together — because the Census publishes a count per tenure type and no total. Only suburbs with at least 2,000 residents are included.

How is this different from owner-occupied?

Owner-occupied counts everyone who owns the home they live in, mortgage or not. This counts only those who owe nothing on it. A suburb can be almost entirely owner-occupied and still be mostly mortgaged, so the two lists are not the same list.

What does a high share tell me about a suburb?

Usually that it is established and that people have stayed: paying off a mortgage takes decades, so outright ownership concentrates where residents are older and turnover is low. It is a description of who lives there now, not a measure of how desirable or affordable the suburb is.

How current is it?

The figures are from the 2021 Census, the most recent available until results from the August 2026 Census are released in 2027. The top 15 is recomputed whenever we refresh the census data.

Same list in other cities

Related

Rankings last computed 12 October 2026. Recomputed after each ACARA schools data refresh.

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