Charlotte Bay vs Whoota
Charlotte Bay is the younger of the two, with a median age of 47 against 61 in Whoota. In both, the large majority of households own their home and the large majority of homes are detached houses. In Charlotte Bay, about half of households are couple families. In Whoota, most households are people living alone. Houses cost more in Whoota: a median of $2.11 million, against $900,000 in Charlotte Bay, though rent is higher in Charlotte Bay. On these figures, Charlotte Bay tends to suit families with children and buyers on a tighter budget, while Whoota suits people living alone.
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
- Charlotte Bay is already more of a family suburb (76% vs 42%)
- Whoota carries lower crime risk (22/100 vs 53/100)
Weighs schools, house stock, crime, parks, childcare, and who already lives there.
First-home buyers
They split
one each way, out of the 2 things we measure here
- Charlotte Bay has cheaper houses ($900,000 vs $2,112,500)
- Whoota leaves households under less mortgage stress (15% vs 30%)
Weighs house prices and mortgage stress.
Renters
Whoota
ahead on 2 of the 2 things we measure here
- leaves renters under less rental stress (14% vs 35%)
- has cheaper rent ($250/wk vs $420/wk)
Weighs rent and rental stress.
Commuting to the city
Charlotte Bay
ahead on 3 of the 3 things we measure here
- is more walkable (19/100 vs 0/100)
- has a shorter drive in (201 min vs 208 min)
- sits closer to the CBD (277.5 km vs 284.2 km)
Weighs distance, drive time, and walkability.
Downsizers and retirees
They split
one each way, out of the 4 things we measure here
- Charlotte Bay is more walkable (19/100 vs 0/100)
- Whoota carries lower crime risk (22/100 vs 53/100)
Weighs who already lives there, GPs, walkability, and crime.
Investors
Whoota
ahead on the one thing that separates them
- is growing faster (7.4% vs 1.7%)
Weighs population growth.
Where they sit
Charlotte Bay and Whoota drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.
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.
Demographics
Charlotte Bay has more residents (175 vs 73); Charlotte Bay rents higher ($420/wk vs $250/wk).
| Charlotte Bay | Whoota | |
|---|---|---|
| Population | 175 +58% vs other | 73 |
| Population trend (2016 → 2021) | +1.7% | +7.4% |
| Median age | 47 | 61 |
| Median household income | $61,724/yr | $94,224/yr +53% vs other |
| Median weekly rent | $420/wk +40% vs other | $250/wk |
Age profile
Share of residents in each band, 2021 Census.
Bars are drawn against the largest share shown (26.0%).
Who lives together
Household composition, 2021 Census.
Who owns and who rents
Occupied private dwellings by tenure, 2021 Census.
Qualifications
Highest non-school qualification, residents 15+, 2021 Census.
Bars are drawn against the largest share shown (22.3%).
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.
Bars are drawn against the largest share shown (5.5%).
What people live in
Occupied private dwellings by structure, 2021 Census.
Property market
| Charlotte Bay | Whoota | |
|---|---|---|
| Median house price | $900,000 | $2,112,500 |
| Median unit price | $730,000 | — |
| Median land price | — same for both | |
Zoning mix
Whoota has more land zoned for conservation (100% vs 26%); Charlotte Bay has more rural and farming land (56% vs 0%).
| Charlotte Bay | Whoota | |
|---|---|---|
| Environmental | 26% | 100% |
| Rural and farming | 56% | 0% |
| Residential | 17% | 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
| Charlotte Bay | Whoota | |
|---|---|---|
| New dwellings approved | 743 across Mid-Coast same for both | |
| Approvals change year on year | +327% same for both | |
Ranking within NSW
| Charlotte Bay | Whoota | |
|---|---|---|
| House price | Higher than 43% of NSW | Higher than 86% of NSW |
| Income | Higher than 24% of NSW | Higher than 61% of NSW |
| Schools | — same for both | |
| Walkability | Higher than 69% of NSW | Higher than 5% of NSW |
| Affordability | Higher than 36% of NSW | Higher than 12% of NSW |
| EV adoption | Higher than 45% of NSW same for both | |
| NBN connectivity | Higher than 65% of NSW | Higher than 31% of NSW |
Liveability
Charlotte Bay is more walkable (19 vs 0).
| Charlotte Bay | Whoota | |
|---|---|---|
| Grade | — same for both | |
| Score | — same for both | |
| Socio-economic band | advantaged area decile 8/10 same for both | |
Risk profile
Charlotte Bay carries more crime risk (53 vs 22).
| Charlotte Bay | Whoota | |
|---|---|---|
| Bushfire | High 85/100 | High 87/100 |
| Crime | Moderate 53/100 | Low 22/100 |
| 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 | 0 within 5 km same for both | |
Schools
| Charlotte Bay | Whoota | |
|---|---|---|
| Inside the suburb | 0 same for both | |
| Rated above peers | 0 same for both | |
| Rated at peers | 0 same for both | |
| Rated below peers | 0 same for both | |
Amenities in the suburb
| Charlotte Bay | Whoota | |
|---|---|---|
| Supermarkets | 1 | 0 |
| Childcare | 1 | 0 |
| Fuel stations | 1 | 0 |
| Waterways | 3 | 1 |
Mobility
Whoota sits further from the CBD (284.2 km vs 277.5 km).
| Charlotte Bay | Whoota | |
|---|---|---|
| Walkability score | 19/100 | 0/100 |
| Distance to Sydney | 277.5 km | 284.2 km +2% vs other |
| Drive time (normal traffic) | 201 min | 208 min |
| Electric vehicle share | 0.4% postcode 2428 same for both | |
| Rooftop solar per 100 dwellings | 41 postcode 2428 same for both | |
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.
Bars are drawn against the largest share shown (100.0%).
Setting
| Charlotte Bay | Whoota | |
|---|---|---|
| Elevation | 7 m above sea level, at the suburb centre | 10 m above sea level, at the suburb centre |
| Distance to the ocean | 2.3 km 2.5 km to a named beach | 3.9 km |
NBN connectivity
| Charlotte Bay | Whoota | |
|---|---|---|
| Connectivity score | 44/100 | 22/100 |
| Most common technology | Fibre to the node | Satellite (Sky Muster) |
| Full-fibre (FTTP) share | 1% 76 premises | 0% 27 premises |
Council rates
| Charlotte Bay | Whoota | |
|---|---|---|
| Average residential rate | $1,560/yr same for both | |
| Council | Mid-Coast same for both | |
Federal electorate
| Charlotte Bay | Whoota | |
|---|---|---|
| Division | Lyne same for both | |
| Member | Alison Penfold same for both | |
| Party | The Nationals same for both | |
First Home Owner Grant
| Charlotte Bay | Whoota | |
|---|---|---|
| Grant amount | $10,000 same for both | |
| Property price cap | $600,000 same for both | |
| Eligibility | New same for both | |
Tags
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.