Cudgera Creek vs Reserve Creek

Reserve Creek is the younger of the two, with a median age of 41 against 45 in Cudgera Creek. In both, most households own their home and the large majority of homes are detached houses. In Cudgera Creek, most households are couple families. In Reserve Creek, about half of households are couple families. Houses cost more in Cudgera Creek: a median of $2.23 million, against $1.6 million in Reserve Creek, and rent is higher there too. On these figures, Cudgera Creek tends to suit families with children, while Reserve Creek suits 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

Reserve Creek

ahead on the one thing that separates them

  • carries lower crime risk (25/100 vs 66/100)

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

  • Cudgera Creek leaves households under less mortgage stress (28% vs 34%)
  • Reserve Creek has cheaper houses ($1,600,000 vs $2,225,000)

Weighs house prices and mortgage stress.

Renters

Reserve Creek

ahead on the one thing that separates them

  • has cheaper rent ($303/wk vs $460/wk)

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

Commuting to the city

Cudgera Creek

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (498 min vs 514 min)
  • sits closer to the CBD (783.4 km vs 796.6 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

one each way, out of the 4 things we measure here

  • Cudgera Creek has more residents already 65 and over (22% vs 15%)
  • Reserve Creek carries lower crime risk (25/100 vs 66/100)

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

Investors

Reserve Creek

ahead on the one thing that separates them

  • is growing faster (59.5% vs 2.4%)

Weighs population growth.

Where they sit

Cudgera Creek and Reserve Creek drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Cudgera Creek Reserve Creek
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.

Cudgera Creek Reserve Creek
Walkability 16 / 10
Cudgera Creek — Walkability: 16/100 Reserve Creek — Walkability: 10/100
Safety 34 / 75
Cudgera Creek — Safety: 34/100 Reserve Creek — Safety: 75/100
Low fire risk 53 / 58
Cudgera Creek — Low fire risk: 53/100 Reserve Creek — Low fire risk: 58/100

Demographics

Cudgera Creek has more residents (339 vs 201); Cudgera Creek rents higher ($460/wk vs $303/wk).

Cudgera Creek Reserve Creek
Population 339
+41% vs other
 201
Population trend (2016 → 2021) +2.4% +59.5%
Median age 45 41
Median household income $93,600/yr
+22% vs other
 $72,956/yr
Median weekly rent $460/wk
+34% vs other
 $303/wk

Age profile

Share of residents in each band, 2021 Census.

Cudgera Creek Reserve Creek
0-4 4.7% / 7.0%
Cudgera Creek — 0-4: 4.7% Reserve Creek — 0-4: 7.0%
5-14 16.5% / 9.5%
Cudgera Creek — 5-14: 16.5% Reserve Creek — 5-14: 9.5%
15-19 4.1% / 7.5%
Cudgera Creek — 15-19: 4.1% Reserve Creek — 15-19: 7.5%
20-24 3.2% / 5.0%
Cudgera Creek — 20-24: 3.2% Reserve Creek — 20-24: 5.0%
25-34 6.5% / 10.9%
Cudgera Creek — 25-34: 6.5% Reserve Creek — 25-34: 10.9%
35-44 14.2% / 10.4%
Cudgera Creek — 35-44: 14.2% Reserve Creek — 35-44: 10.4%
45-54 15.9% / 12.4%
Cudgera Creek — 45-54: 15.9% Reserve Creek — 45-54: 12.4%
55-64 13.9% / 19.9%
Cudgera Creek — 55-64: 13.9% Reserve Creek — 55-64: 19.9%
65-74 16.5% / 13.4%
Cudgera Creek — 65-74: 16.5% Reserve Creek — 65-74: 13.4%
75-84 3.8% / 2.0%
Cudgera Creek — 75-84: 3.8% Reserve Creek — 75-84: 2.0%
85+ 1.8% / —
Cudgera Creek — 85+: 1.8% Reserve Creek — 85+: not among its largest

Bars are drawn against the largest share shown (19.9%).

Who lives together

Household composition, 2021 Census.

Cudgera Creek 55.6% couple families
Cudgera Creek — Couple Families: 55.6% Cudgera Creek — Lone Person: 23.6% Cudgera Creek — One Parent Families: 13.9% Cudgera Creek — Group Household: 6.9%
Reserve Creek 46.7% couple families
Reserve Creek — Couple Families: 46.7% Reserve Creek — Lone Person: 28.9% Reserve Creek — One Parent Families: 24.4% Reserve Creek — Group Household: 0.0%
Couple Families Lone Person One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Cudgera Creek 18.8% renting
Cudgera Creek — Owned Outright: 44.6% Cudgera Creek — Mortgage: 36.6% Cudgera Creek — Renting: 18.8%
Reserve Creek 26.9% renting
Reserve Creek — Owned Outright: 50.0% Reserve Creek — Mortgage: 23.1% Reserve Creek — Renting: 26.9%
Owned outright Mortgage Renting

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.

Cudgera Creek Reserve Creek
England 2.9% / 2.5%
Cudgera Creek — England: 2.9% Reserve Creek — England: 2.5%
South Africa — / 2.0%
Cudgera Creek — South Africa: not among its largest Reserve Creek — South Africa: 2.0%
New Zealand — / 1.5%
Cudgera Creek — New Zealand: not among its largest Reserve Creek — New Zealand: 1.5%
Japan 0.9% / —
Cudgera Creek — Japan: 0.9% Reserve Creek — Japan: not among its largest
Ireland 0.9% / —
Cudgera Creek — Ireland: 0.9% Reserve Creek — Ireland: not among its largest

Bars are drawn against the largest share shown (2.9%).

Qualifications

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

Cudgera Creek Reserve Creek
Certificate III & IV 16.5% / 16.4%
Cudgera Creek — Certificate III & IV: 16.5% Reserve Creek — Certificate III & IV: 16.4%
Bachelor Degree 9.7% / 10.0%
Cudgera Creek — Bachelor Degree: 9.7% Reserve Creek — Bachelor Degree: 10.0%
Advanced Diploma / Diploma 8.0% / 6.5%
Cudgera Creek — Advanced Diploma / Diploma: 8.0% Reserve Creek — Advanced Diploma / Diploma: 6.5%
Postgraduate Degree 0.9% / 2.5%
Cudgera Creek — Postgraduate Degree: 0.9% Reserve Creek — Postgraduate Degree: 2.5%
Graduate Diploma / Certificate 2.1% / —
Cudgera Creek — Graduate Diploma / Certificate: 2.1% Reserve Creek — Graduate Diploma / Certificate: not among its largest

Bars are drawn against the largest share shown (16.5%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Cudgera Creek 100.0% houses
Cudgera Creek — Houses: 100.0%
Reserve Creek 106.9% houses
Reserve Creek — Houses: 106.9%
Houses

Property market

Cudgera Creek Reserve Creek
Median house price $2,225,000 $1,600,000
Median unit price —
same for both
Median land price —
same for both
Typical days to sell (houses) — 73 days
from 3 sales

Zoning mix

Cudgera Creek Reserve Creek
Rural and farming 88% 93%
Other and special use 9% 6%
Infrastructure and transport 2% 0%
Parks and recreation 0% 1%
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

Cudgera Creek Reserve Creek
New dwellings approved 331
across Tweed
same for both
Approvals change year on year -50%
same for both

Ranking within NSW

Cudgera Creek Reserve Creek
House price Higher than 87% of NSW Higher than 73% of NSW
Income Higher than 60% of NSW Higher than 40% of NSW
Schools —
same for both
Walkability Higher than 66% of NSW Higher than 57% of NSW
Affordability Higher than 10% of NSW Higher than 17% of NSW
EV adoption Higher than 64% of NSW
same for both
NBN connectivity Higher than 55% of NSW Higher than 39% of NSW

Liveability

Cudgera Creek Reserve Creek
Grade —
same for both
Score —
same for both
Socio-economic band advantaged area
decile 7/10
 mid-range socio-economic
decile 4/10

Risk profile

Cudgera Creek carries more crime risk (66 vs 25).

Cudgera Creek Reserve Creek
Bushfire Moderate
47/100
 Moderate
42/100
Crime Moderate
66/100
 Low
25/100
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

Cudgera Creek Reserve Creek
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

Cudgera Creek Reserve Creek
Waterways 6 20

Mobility

Reserve Creek sits further from the CBD (796.6 km vs 783.4 km).

Cudgera Creek Reserve Creek
Walkability score 16/100 10/100
Distance to Sydney 783.4 km 796.6 km
+2% vs other
Drive time (normal traffic) 498 min 514 min
Electric vehicle share 0.6%
postcode 2484
same for both
Rooftop solar per 100 dwellings 76
postcode 2484
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.

Cudgera Creek Reserve Creek
Car (driver) 67.7% / 72.7%
Cudgera Creek — Car (driver): 67.7% Reserve Creek — Car (driver): 72.7%
Worked from Home 22.8% / 19.5%
Cudgera Creek — Worked from Home: 22.8% Reserve Creek — Worked from Home: 19.5%
Walked Only 7.1% / 3.9%
Cudgera Creek — Walked Only: 7.1% Reserve Creek — Walked Only: 3.9%
Car (passenger) 2.4% / 3.9%
Cudgera Creek — Car (passenger): 2.4% Reserve Creek — Car (passenger): 3.9%

Bars are drawn against the largest share shown (72.7%).

Setting

Cudgera Creek Reserve Creek
Elevation 16 m
above sea level, at the suburb centre
 46 m
above sea level, at the suburb centre
Distance to the ocean 5.0 km 8.1 km

NBN connectivity

Cudgera Creek Reserve Creek
Connectivity score 30/100 27/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
129 premises
 0%
63 premises

Climate

Cudgera Creek Reserve Creek
Annual rainfall 1,569 mm
same for both
Summer max (Jan) 29.1°C
same for both
Winter min (Jul) 9.1°C
same for both

Council rates

Cudgera Creek Reserve Creek
Average residential rate $1,745/yr
same for both
Council Tweed
same for both

Federal electorate

Cudgera Creek Reserve Creek
Division Richmond
same for both
Member Justine Elliot
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Cudgera Creek Reserve Creek
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Cudgera Creek

Premium Rural

Reserve Creek

River Rural

More comparisons

Other comparisons with Cudgera Creek

Cudgera Creek vs Pottsville Cudgera Creek vs Burringbar Cudgera Creek vs Mooball Cudgera Creek vs Round Mountain Cudgera Creek vs Sleepy Hollow Cudgera Creek vs Palmvale

Other comparisons with Reserve Creek

Reserve Creek vs Clothiers Creek Reserve Creek vs Kielvale Reserve Creek vs Round Mountain Reserve Creek vs Tanglewood Reserve Creek vs Palmvale Reserve Creek vs Wardrop Valley
Full data on Cudgera Creek Full data on Reserve Creek
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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.

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