Gunderman vs Spencer

In both, the large majority of households own their home, the large majority of homes are detached houses, and most households are people living alone. Houses cost more in Gunderman: a median of $784,000, against $650,000 in Spencer, though rent is higher in Spencer. On these figures, Spencer 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

Gunderman

ahead on the one thing that separates them

  • has more parks and reserves (3 vs 0)

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

First-home buyers

Spencer

ahead on the one thing that separates them

  • has cheaper houses ($650,000 vs $784,000)

Weighs house prices and mortgage stress.

Renters

Gunderman

ahead on 3 of the 3 things we measure here

  • has a bigger rental market to choose from (19% vs 5%)
  • leaves renters under less rental stress (24% vs 32%)
  • has cheaper rent ($250/wk vs $295/wk)

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

Commuting to the city

They split

one each way, out of the 3 things we measure here

  • Gunderman sits closer to the CBD (82.7 km vs 106.6 km)
  • Spencer has a shorter drive in (100 min vs 115 min)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Too close to call

Nothing among the 5 things we measure here separates them by enough to be worth acting on.

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

Investors

Too close to call

Nothing among the 1 things we measure here separates them by enough to be worth acting on.

Weighs population growth.

Where they sit

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

Gunderman Spencer
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.

Gunderman Spencer
Walkability 0 / 0
Gunderman — Walkability: 0/100 Spencer — Walkability: 0/100
Safety 19 / 27
Gunderman — Safety: 19/100 Spencer — Safety: 27/100
Low fire risk 15 / 9
Gunderman — Low fire risk: 15/100 Spencer — Low fire risk: 9/100

Demographics

Spencer has more residents (288 vs 189); Spencer rents higher ($295/wk vs $250/wk).

Gunderman Spencer
Population 189 288
+52% vs other
Population trend (2016 → 2021) -3.1% -5.9%
Median age 54 52
Median household income $55,224/yr
+14% vs other
 $47,476/yr
Median weekly rent $250/wk $295/wk
+18% vs other

Age profile

Share of residents in each band, 2021 Census.

Gunderman Spencer
0-4 3.7% / 1.7%
Gunderman — 0-4: 3.7% Spencer — 0-4: 1.7%
5-14 6.3% / 9.7%
Gunderman — 5-14: 6.3% Spencer — 5-14: 9.7%
15-19 3.2% / 3.1%
Gunderman — 15-19: 3.2% Spencer — 15-19: 3.1%
20-24 2.6% / 3.8%
Gunderman — 20-24: 2.6% Spencer — 20-24: 3.8%
25-34 5.3% / 10.4%
Gunderman — 25-34: 5.3% Spencer — 25-34: 10.4%
35-44 12.2% / 8.7%
Gunderman — 35-44: 12.2% Spencer — 35-44: 8.7%
45-54 17.5% / 22.9%
Gunderman — 45-54: 17.5% Spencer — 45-54: 22.9%
55-64 24.3% / 19.4%
Gunderman — 55-64: 24.3% Spencer — 55-64: 19.4%
65-74 15.3% / 15.3%
Gunderman — 65-74: 15.3% Spencer — 65-74: 15.3%
75-84 5.8% / 4.9%
Gunderman — 75-84: 5.8% Spencer — 75-84: 4.9%
85+ 2.1% / 2.8%
Gunderman — 85+: 2.1% Spencer — 85+: 2.8%

Bars are drawn against the largest share shown (24.3%).

Who lives together

Household composition, 2021 Census.

Gunderman 67.6% lone person
Gunderman — Lone Person: 67.6% Gunderman — Couple Families: 22.1% Gunderman — One Parent Families: 5.9% Gunderman — Group Household: 4.4%
Spencer 60.0% lone person
Spencer — Lone Person: 60.0% Spencer — Couple Families: 25.3% Spencer — One Parent Families: 7.4% Spencer — Group Household: 7.4%
Lone Person Couple Families One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Gunderman 18.8% renting
Gunderman — Owned Outright: 42.5% Gunderman — Mortgage: 38.8% Gunderman — Renting: 18.8%
Spencer 4.8% renting
Spencer — Owned Outright: 49.6% Spencer — Mortgage: 45.6% Spencer — Renting: 4.8%
Owned outright Mortgage Renting

Qualifications

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

Gunderman Spencer
Certificate III & IV 17.5% / 17.7%
Gunderman — Certificate III & IV: 17.5% Spencer — Certificate III & IV: 17.7%
Bachelor Degree 10.6% / 5.2%
Gunderman — Bachelor Degree: 10.6% Spencer — Bachelor Degree: 5.2%
Advanced Diploma / Diploma 9.0% / 6.6%
Gunderman — Advanced Diploma / Diploma: 9.0% Spencer — Advanced Diploma / Diploma: 6.6%
Postgraduate Degree 3.2% / 1.4%
Gunderman — Postgraduate Degree: 3.2% Spencer — Postgraduate Degree: 1.4%
Graduate Diploma / Certificate 2.1% / 1.0%
Gunderman — Graduate Diploma / Certificate: 2.1% Spencer — Graduate Diploma / Certificate: 1.0%

Bars are drawn against the largest share shown (17.7%).

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.

Gunderman Spencer
New Zealand 4.8% / 4.9%
Gunderman — New Zealand: 4.8% Spencer — New Zealand: 4.9%
England 3.2% / 4.2%
Gunderman — England: 3.2% Spencer — England: 4.2%
India 3.2% / —
Gunderman — India: 3.2% Spencer — India: not among its largest
South Africa 2.6% / —
Gunderman — South Africa: 2.6% Spencer — South Africa: not among its largest
China — / 1.7%
Gunderman — China: not among its largest Spencer — China: 1.7%
Philippines 1.6% / —
Gunderman — Philippines: 1.6% Spencer — Philippines: not among its largest

Bars are drawn against the largest share shown (4.9%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Gunderman 97.7% houses
Gunderman — Houses: 97.7% Gunderman — Flats / Apartments: 2.3%
Spencer 93.9% houses
Spencer — Houses: 93.9% Spencer — Flats / Apartments: 6.1%
Houses Flats / Apartments

Property market

Gunderman Spencer
Median house price $784,000 $650,000
Median unit price —
same for both
Median land price — $200,000
Typical days to sell (houses) — 171 days
from 10 sales

Zoning mix

Gunderman Spencer
Environmental 99% 98%
Infrastructure and transport 1%
same for both
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

Gunderman Spencer
New dwellings approved 1,441
across Central Coast (NSW)
same for both
Approvals change year on year +67%
same for both

Ranking within NSW

Gunderman Spencer
House price Higher than 27% of NSW Higher than 23% of NSW
Income Higher than 15% of NSW Higher than 9% of NSW
Schools —
same for both
Walkability Higher than 20% of NSW Higher than 35% of NSW
Affordability Higher than 44% of NSW Higher than 40% of NSW
EV adoption Higher than 56% of NSW
same for both
NBN connectivity Higher than 29% of NSW Higher than 40% of NSW

Liveability

Gunderman Spencer
Grade —
same for both
Score —
same for both
Socio-economic band below-average income
decile 2/10
same for both

Risk profile

Gunderman Spencer
Bushfire High
85/100
 High
91/100
Crime High
81/100
 High
73/100
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

Gunderman Spencer
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

Gunderman Spencer
Cafes & restaurants 1 0
Parks & reserves 3 0
Waterways 7 11

Mobility

Spencer sits further from the CBD (106.6 km vs 82.7 km).

Gunderman Spencer
Walkability score 0/100
same for both
Distance to Sydney 82.7 km 106.6 km
+29% vs other
Drive time (normal traffic) 115 min 100 min
Electric vehicle share 0.6%
postcode 2775
same for both
Rooftop solar per 100 dwellings 36
postcode 2775
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.

Gunderman Spencer
Car (driver) 66.7% / 77.0%
Gunderman — Car (driver): 66.7% Spencer — Car (driver): 77.0%
Worked from Home 22.8% / 16.1%
Gunderman — Worked from Home: 22.8% Spencer — Worked from Home: 16.1%
Walked Only 10.5% / 6.9%
Gunderman — Walked Only: 10.5% Spencer — Walked Only: 6.9%

Bars are drawn against the largest share shown (77.0%).

Setting

Gunderman Spencer
Elevation 163 m
above sea level, at the suburb centre
 208 m
above sea level, at the suburb centre
Distance to the ocean 23.8 km 15.3 km

NBN connectivity

Gunderman Spencer
Connectivity score 20/100 27/100
Most common technology Satellite (Sky Muster) Fixed wireless
Full-fibre (FTTP) share 0%
93 premises
 0%
122 premises

Climate

Gunderman Spencer
Annual rainfall 806 mm 1,176 mm
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Council rates

Gunderman Spencer
Average residential rate $1,409/yr
same for both
Council Central Coast (NSW)
same for both

Federal electorate

Gunderman Spencer
Division Robertson
same for both
Member Gordon Reid
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Gunderman Spencer
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Gunderman

Rural

Spencer

Affordable Outer River

More comparisons

Other comparisons with Gunderman

Gunderman vs Lower Macdonald Gunderman vs Wisemans Ferry Gunderman vs Laughtondale Gunderman vs Lower Mangrove Gunderman vs Mangrove Creek

Other comparisons with Spencer

Spencer vs Canoelands Spencer vs Mount White Spencer vs Wendoree Park Spencer vs Lower Mangrove
Full data on Gunderman Full data on Spencer
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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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