Albion Park Rail vs Oak Flats

In both, most households own their home and the large majority of homes are detached houses. Houses cost more in Oak Flats: a median of $988,000, against $830,000 in Albion Park Rail, and rent is higher there too. On these figures, Albion Park Rail tends to suit buyers on a tighter budget.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

They split

one each way, out of the 6 things we measure here

  • Albion Park Rail has more parks and reserves (17 vs 14)
  • Oak Flats has more schools inside the suburb (4 vs 1)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Albion Park Rail

ahead on the one thing that separates them

  • has cheaper houses ($829,500 vs $988,500)

Weighs house prices, unit prices, and mortgage stress.

Renters

Albion Park Rail

ahead on the one thing that separates them

  • has cheaper rent ($390/wk vs $440/wk)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Albion Park Rail

ahead on 2 of the 4 things we measure here

  • sits closer to the CBD (103 km vs 109.9 km)
  • has a shorter drive in (92 min vs 97 min)
  • But Oak Flats is more walkable (88/100 vs 72/100)

Weighs distance, drive time, rail access, and walkability.

Downsizers and retirees

Oak Flats

ahead on 2 of the 5 things we measure here

  • has more GPs (4 vs 2)
  • is more walkable (88/100 vs 72/100)

Weighs smaller dwellings, who already lives there, GPs, walkability, and crime.

Investors

Oak Flats

ahead on the one thing that separates them

  • is growing faster (6.6% vs 0.0%)

Weighs house yield and population growth.

Where they sit

Albion Park Rail and Oak Flats drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Albion Park Rail Oak Flats
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Albion Park Rail Oak Flats
Walkability 72 / 88
Albion Park Rail — Walkability: 72/100 Oak Flats — Walkability: 88/100
Safety 26 / 26
Albion Park Rail — Safety: 26/100 Oak Flats — Safety: 26/100
Low fire risk 100 / 100
Albion Park Rail — Low fire risk: 100/100 Oak Flats — Low fire risk: 100/100

Demographics

Oak Flats rents higher ($440/wk vs $390/wk).

Albion Park Rail Oak Flats
Population 6,920
+1% vs other
 6,840
Population trend (2016 → 2021) +0.0% +6.6%
Median age 41 42
Median household income $73,372/yr $77,376/yr
+5% vs other
Median weekly rent $390/wk $440/wk
+13% vs other

Age profile

Share of residents in each band, 2021 Census.

Albion Park Rail Oak Flats
0-4 6.0% / 5.1%
Albion Park Rail — 0-4: 6.0% Oak Flats — 0-4: 5.1%
5-14 11.5% / 12.2%
Albion Park Rail — 5-14: 11.5% Oak Flats — 5-14: 12.2%
15-19 5.4% / 5.4%
Albion Park Rail — 15-19: 5.4% Oak Flats — 15-19: 5.4%
20-24 6.6% / 6.3%
Albion Park Rail — 20-24: 6.6% Oak Flats — 20-24: 6.3%
25-34 13.3% / 12.5%
Albion Park Rail — 25-34: 13.3% Oak Flats — 25-34: 12.5%
35-44 11.0% / 11.1%
Albion Park Rail — 35-44: 11.0% Oak Flats — 35-44: 11.1%
45-54 11.4% / 11.7%
Albion Park Rail — 45-54: 11.4% Oak Flats — 45-54: 11.7%
55-64 13.4% / 14.6%
Albion Park Rail — 55-64: 13.4% Oak Flats — 55-64: 14.6%
65-74 11.5% / 12.1%
Albion Park Rail — 65-74: 11.5% Oak Flats — 65-74: 12.1%
75-84 6.6% / 6.6%
Albion Park Rail — 75-84: 6.6% Oak Flats — 75-84: 6.6%
85+ 3.2% / 2.3%
Albion Park Rail — 85+: 3.2% Oak Flats — 85+: 2.3%

Bars are drawn against the largest share shown (14.6%).

Who lives together

Household composition, 2021 Census.

Albion Park Rail 37.0% couple families
Albion Park Rail — Couple Families: 37.0% Albion Park Rail — Lone Person: 34.2% Albion Park Rail — One Parent Families: 22.6% Albion Park Rail — Group Household: 4.1% Albion Park Rail — Other Families: 2.0%
Oak Flats 39.7% couple families
Oak Flats — Couple Families: 39.7% Oak Flats — Lone Person: 32.0% Oak Flats — One Parent Families: 21.8% Oak Flats — Group Household: 3.8% Oak Flats — Other Families: 2.7%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Albion Park Rail 27.3% renting
Albion Park Rail — Owned Outright: 34.9% Albion Park Rail — Mortgage: 37.8% Albion Park Rail — Renting: 27.3%
Oak Flats 24.7% renting
Oak Flats — Owned Outright: 42.5% Oak Flats — Mortgage: 32.8% Oak Flats — Renting: 24.7%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Albion Park Rail Oak Flats
Certificate III & IV 22.1% / 21.4%
Albion Park Rail — Certificate III & IV: 22.1% Oak Flats — Certificate III & IV: 21.4%
Advanced Diploma / Diploma 6.9% / 8.0%
Albion Park Rail — Advanced Diploma / Diploma: 6.9% Oak Flats — Advanced Diploma / Diploma: 8.0%
Bachelor Degree 5.1% / 7.0%
Albion Park Rail — Bachelor Degree: 5.1% Oak Flats — Bachelor Degree: 7.0%
Postgraduate Degree 1.1% / 2.0%
Albion Park Rail — Postgraduate Degree: 1.1% Oak Flats — Postgraduate Degree: 2.0%
Graduate Diploma / Certificate 0.9% / 1.0%
Albion Park Rail — Graduate Diploma / Certificate: 0.9% Oak Flats — Graduate Diploma / Certificate: 1.0%

Bars are drawn against the largest share shown (22.1%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Albion Park Rail Oak Flats
England 5.1% / 4.9%
Albion Park Rail — England: 5.1% Oak Flats — England: 4.9%
New Zealand 0.9% / 1.1%
Albion Park Rail — New Zealand: 0.9% Oak Flats — New Zealand: 1.1%
Germany 0.7% / 1.3%
Albion Park Rail — Germany: 0.7% Oak Flats — Germany: 1.3%
Scotland 1.0% / 0.6%
Albion Park Rail — Scotland: 1.0% Oak Flats — Scotland: 0.6%
Philippines 0.7% / 0.5%
Albion Park Rail — Philippines: 0.7% Oak Flats — Philippines: 0.5%
Netherlands 0.7% / 0.4%
Albion Park Rail — Netherlands: 0.7% Oak Flats — Netherlands: 0.4%
Italy — / 0.6%
Albion Park Rail — Italy: not among its largest Oak Flats — Italy: 0.6%

Bars are drawn against the largest share shown (5.1%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Albion Park Rail 78.0% houses
Albion Park Rail — Houses: 78.0% Albion Park Rail — Townhouses: 20.9% Albion Park Rail — Flats / Apartments: 1.1%
Oak Flats 82.2% houses
Oak Flats — Houses: 82.2% Oak Flats — Townhouses: 15.4% Oak Flats — Flats / Apartments: 2.4%
Houses Townhouses Flats / Apartments

Property market

Albion Park Rail Oak Flats
Median house price $829,500 $988,500
Median unit price $710,000 $700,000
Median land price —
same for both
Typical days to sell (houses) 22 days
from 55 sales
 24 days
from 78 sales

House price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Albion Park Rail Oak Flats
2 bed $705K / $900K
Albion Park Rail — 2 bed: $705K (8 sales) Oak Flats — 2 bed: $900K (11 sales)

8 vs 11 sales

3 bed $822K / $928K
Albion Park Rail — 3 bed: $822K (56 sales) Oak Flats — 3 bed: $928K (74 sales)

56 vs 74 sales

4 bed $945K / $1.1M
Albion Park Rail — 4 bed: $945K (17 sales) Oak Flats — 4 bed: $1.1M (33 sales)

17 vs 33 sales

Zoning mix

Albion Park Rail has more rural and farming land (14% vs 0%).

Albion Park Rail Oak Flats
Residential 31% 64%
Infrastructure and transport 24% 8%
Parks and recreation 7% 15%
Rural and farming 14% 0%
Industrial 12% 7%
Environmental 9% 1%
Commercial 2% 4%
Other and special use 3% 0%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Albion Park Rail Oak Flats
New dwellings approved 883
across Shellharbour
same for both
Approvals change year on year +25%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Albion Park Rail Oak Flats
Houses 4.2%
$725/wk on $899K
 4.0%
$725/wk on $940K
Units —
same for both

Ranking within NSW

Albion Park Rail Oak Flats
House price Higher than 36% of NSW Higher than 44% of NSW
Income Higher than 40% of NSW Higher than 45% of NSW
Schools — Higher than 7% of NSW
Walkability Higher than 89% of NSW Higher than 95% of NSW
Affordability Higher than 55% of NSW Higher than 52% of NSW
EV adoption Higher than 71% of NSW Higher than 78% of NSW
NBN connectivity Higher than 79% of NSW Higher than 81% of NSW
Rental yield (houses) Higher than 82% of NSW Higher than 74% of NSW

Liveability

Oak Flats is more walkable (88 vs 72).

Albion Park Rail Oak Flats
Grade C
same for both
Score 46/100 45/100
Socio-economic band below-average income
decile 2/10
 below-average income
decile 3/10

Risk profile

Albion Park Rail Oak Flats
Bushfire None
0/100
same for both
Crime High
74/100
same for both
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 5
within 5 km
 6
within 5 km

Schools

Albion Park Rail Oak Flats
Inside the suburb 1 4
Rated above peers 0
same for both
Rated at peers 1 3
Rated below peers 0 1

Schools in Albion Park Rail

  • Albion Park Rail Public School Government · Primary at peers

Schools in Oak Flats

  • Balarang Public School Government · Primary at peers
  • Corpus Christi Catholic High School Catholic · Secondary at peers
  • Oak Flats Public School Government · Primary at peers
  • Oak Flats High School Government · Secondary below peers

Amenities in the suburb

Albion Park Rail Oak Flats
Supermarkets 1 0
Cafes & restaurants 2 0
Parks & reserves 17 14
Childcare 5 6
GPs 2 4
Pharmacies 2
same for both
Hospitals 0 1
Police stations 0 1
Banks & Bank@Post 1 2
Fuel stations 7 1
Waterways 1
same for both

Mobility

Oak Flats sits further from the CBD (109.9 km vs 103 km).

Albion Park Rail Oak Flats
Walkability score 72/100 88/100
Distance to Sydney 103 km 109.9 km
+7% vs other
Drive time (normal traffic) 92 min 97 min
Public transport score 79/100
Rail · Bus
 80/100
Rail · Bus
Peak arrivals per hour 170.0
7-9am + 5-7pm
 132.5
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
same for both
Electric vehicle share 0.7%
postcode 2527
 0.9%
postcode 2529
Rooftop solar per 100 dwellings 60
postcode 2527
 45
postcode 2529

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Albion Park Rail Oak Flats
Car (driver) 76.6% / 71.8%
Albion Park Rail — Car (driver): 76.6% Oak Flats — Car (driver): 71.8%
Worked from Home 16.1% / 20.3%
Albion Park Rail — Worked from Home: 16.1% Oak Flats — Worked from Home: 20.3%
Car (passenger) 3.6% / 3.8%
Albion Park Rail — Car (passenger): 3.6% Oak Flats — Car (passenger): 3.8%
Walked Only 1.1% / 1.7%
Albion Park Rail — Walked Only: 1.1% Oak Flats — Walked Only: 1.7%
Train 1.7% / 1.0%
Albion Park Rail — Train: 1.7% Oak Flats — Train: 1.0%

Bars are drawn against the largest share shown (76.6%).

Setting

Albion Park Rail Oak Flats
Elevation 7 m
above sea level, at the suburb centre
 17 m
above sea level, at the suburb centre
Distance to the ocean 6.7 km 4.3 km
4.3 km to a named beach

NBN connectivity

Albion Park Rail Oak Flats
Connectivity score 72/100 74/100
Most common technology Fibre to the node Fibre to the premises
Full-fibre (FTTP) share 49%
3,349 premises
 53%
3,270 premises

Climate

Albion Park Rail Oak Flats
Annual rainfall 974 mm
same for both
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Air quality (annual mean)

Albion Park Rail Oak Flats
PM2.5 5.1 µg/m³
same for both
PM10 14.3 µg/m³
same for both
NO₂ 0.37 pphm
same for both

Council rates

Albion Park Rail Oak Flats
Average residential rate $1,788/yr
same for both
Council Shellharbour
same for both

Federal electorate

Albion Park Rail Oak Flats
Division Whitlam
same for both
Member Carol Berry
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Albion Park Rail Oak Flats
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Albion Park Rail

Parks Townhouses

Oak Flats

Parks River Transport Hub

More comparisons

Other comparisons with Albion Park Rail

Albion Park Rail vs Albion Park Albion Park Rail vs Blackbutt Albion Park Rail vs Calderwood Albion Park Rail vs Haywards Bay Albion Park Rail vs Yallah Albion Park Rail vs Croom

Other comparisons with Oak Flats

Oak Flats vs Barrack Heights Oak Flats vs Mount Warrigal Oak Flats vs Blackbutt Oak Flats vs Shellharbour City Centre Oak Flats vs Croom
Full data on Albion Park Rail Full data on Oak Flats
Unlock full address-level data — $29/month

Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

Save this page for later

We'll email you a link to this page so you can finish reading it on any device. We use your address once to send it and don't keep it.

or