Harolds Cross vs Captains Flat

Captains Flat is the younger of the two, with a median age of 40 against 50 in Harolds Cross. In both, the large majority of households own their home and the large majority of homes are detached houses. In Harolds Cross, about half of households are people living alone. Houses cost more in Harolds Cross: a median of $900,000, against $479,000 in Captains Flat, and rent is higher there too. On these figures, Harolds Cross tends to suit couples, while Captains Flat suits families with children and 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

  • Harolds Cross carries lower crime risk (29/100 vs 70/100)
  • Captains Flat has more parks and reserves (3 vs 0)

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

First-home buyers

Captains Flat

ahead on 2 of the 3 things we measure here

  • has cheaper houses ($479,000 vs $900,000)
  • has cheaper land ($379,000 vs $685,000)

Weighs house prices, land prices, and mortgage stress.

Renters

Too close to call

Nothing among the 2 things we measure here separates them by enough to be worth acting on.

Weighs rent and rental stress.

Commuting to the city

They split

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

  • Harolds Cross sits closer to the CBD (312.7 km vs 318.2 km)
  • Captains Flat has a shorter drive in (212 min vs 229 min)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Harolds Cross

ahead on the one thing that separates them

  • carries lower crime risk (29/100 vs 70/100)

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

Investors

Harolds Cross

ahead on the one thing that separates them

  • is growing faster (49.1% vs 0.2%)

Weighs population growth.

Where they sit

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

Harolds Cross Captains Flat
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.

Harolds Cross Captains Flat
Walkability 0 / 5
Harolds Cross — Walkability: 0/100 Captains Flat — Walkability: 5/100
Safety 71 / 30
Harolds Cross — Safety: 71/100 Captains Flat — Safety: 30/100
Low fire risk 25 / 68
Harolds Cross — Low fire risk: 25/100 Captains Flat — Low fire risk: 68/100

Demographics

Captains Flat has more residents (611 vs 79); Harolds Cross has higher household incomes ($123,448 vs $85,488).

Harolds Cross Captains Flat
Population 79 611
+673% vs other
Population trend (2016 → 2021) +49.1% +0.2%
Median age 50 40
Median household income $123,448/yr
+31% vs other
 $85,488/yr
Median weekly rent $320/wk
+6% vs other
 $300/wk

Age profile

Share of residents in each band, 2021 Census.

Harolds Cross Captains Flat
0-4 — / 7.7%
Harolds Cross — 0-4: not among its largest Captains Flat — 0-4: 7.7%
5-14 10.1% / 11.8%
Harolds Cross — 5-14: 10.1% Captains Flat — 5-14: 11.8%
15-19 5.1% / 4.9%
Harolds Cross — 15-19: 5.1% Captains Flat — 15-19: 4.9%
20-24 3.8% / 4.3%
Harolds Cross — 20-24: 3.8% Captains Flat — 20-24: 4.3%
25-34 13.9% / 14.2%
Harolds Cross — 25-34: 13.9% Captains Flat — 25-34: 14.2%
35-44 3.8% / 12.8%
Harolds Cross — 35-44: 3.8% Captains Flat — 35-44: 12.8%
45-54 24.1% / 14.1%
Harolds Cross — 45-54: 24.1% Captains Flat — 45-54: 14.1%
55-64 15.2% / 14.6%
Harolds Cross — 55-64: 15.2% Captains Flat — 55-64: 14.6%
65-74 10.1% / 10.6%
Harolds Cross — 65-74: 10.1% Captains Flat — 65-74: 10.6%
75-84 6.3% / 2.9%
Harolds Cross — 75-84: 6.3% Captains Flat — 75-84: 2.9%
85+ — / 1.1%
Harolds Cross — 85+: not among its largest Captains Flat — 85+: 1.1%

Bars are drawn against the largest share shown (24.1%).

Who lives together

Household composition, 2021 Census.

Harolds Cross 47.6% lone person
Harolds Cross — Lone Person: 47.6% Harolds Cross — Couple Families: 52.4% Harolds Cross — One Parent Families: 0.0% Harolds Cross — Group Household: 0.0%
Captains Flat 43.0% lone person
Captains Flat — Lone Person: 43.0% Captains Flat — Couple Families: 36.4% Captains Flat — One Parent Families: 18.2% Captains Flat — Group Household: 2.4%
Lone Person Couple Families One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Harolds Cross 0.0% renting
Harolds Cross — Owned Outright: 56.2% Harolds Cross — Mortgage: 43.8% Harolds Cross — Renting: 0.0%
Captains Flat 17.2% renting
Captains Flat — Owned Outright: 34.1% Captains Flat — Mortgage: 48.7% Captains Flat — Renting: 17.2%
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.

Harolds Cross Captains Flat
England 3.8% / 4.4%
Harolds Cross — England: 3.8% Captains Flat — England: 4.4%
Philippines — / 1.3%
Harolds Cross — Philippines: not among its largest Captains Flat — Philippines: 1.3%
New Zealand — / 1.1%
Harolds Cross — New Zealand: not among its largest Captains Flat — New Zealand: 1.1%
South Africa — / 0.7%
Harolds Cross — South Africa: not among its largest Captains Flat — South Africa: 0.7%
Germany — / 0.7%
Harolds Cross — Germany: not among its largest Captains Flat — Germany: 0.7%

Bars are drawn against the largest share shown (4.4%).

Qualifications

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

Harolds Cross Captains Flat
Bachelor Degree 17.7% / 7.2%
Harolds Cross — Bachelor Degree: 17.7% Captains Flat — Bachelor Degree: 7.2%
Certificate III & IV 3.8% / 18.8%
Harolds Cross — Certificate III & IV: 3.8% Captains Flat — Certificate III & IV: 18.8%
Advanced Diploma / Diploma 10.1% / 6.7%
Harolds Cross — Advanced Diploma / Diploma: 10.1% Captains Flat — Advanced Diploma / Diploma: 6.7%
Graduate Diploma / Certificate 7.6% / 1.8%
Harolds Cross — Graduate Diploma / Certificate: 7.6% Captains Flat — Graduate Diploma / Certificate: 1.8%
Postgraduate Degree 3.8% / 2.8%
Harolds Cross — Postgraduate Degree: 3.8% Captains Flat — Postgraduate Degree: 2.8%

Bars are drawn against the largest share shown (18.8%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Harolds Cross 100.0% houses
Harolds Cross — Houses: 100.0% Harolds Cross — Townhouses: 0.0%
Captains Flat 98.8% houses
Captains Flat — Houses: 98.8% Captains Flat — Townhouses: 1.2%
Houses Townhouses

Property market

Harolds Cross Captains Flat
Median house price $900,000 $479,000
Median unit price —
same for both
Median land price $685,000 $379,000

Zoning mix

Harolds Cross has more rural and farming land (98% vs 70%); Captains Flat has more land zoned for conservation (30% vs 2%).

Harolds Cross Captains Flat
Rural and farming 98% 70%
Environmental 2% 30%
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

Harolds Cross Captains Flat
New dwellings approved 510
across Queanbeyan-Palerang
same for both
Approvals change year on year +231%
same for both

Ranking within NSW

Harolds Cross Captains Flat
House price Higher than 43% of NSW Higher than 15% of NSW
Income Higher than 86% of NSW Higher than 55% of NSW
Schools —
same for both
Walkability Higher than 36% of NSW Higher than 46% of NSW
Affordability Higher than 83% of NSW Higher than 90% of NSW
EV adoption Higher than 73% of NSW Higher than 59% of NSW
NBN connectivity Higher than 40% of NSW Higher than 44% of NSW

Liveability

Harolds Cross Captains Flat
Grade — D
Score — 28/100
Socio-economic band advantaged area
decile 8/10
 mid-range socio-economic
decile 4/10

Risk profile

Captains Flat carries more crime risk (70 vs 29); Harolds Cross carries more bushfire risk (75 vs 32).

Harolds Cross Captains Flat
Bushfire High
75/100
 Low
32/100
Crime Low
29/100
 High
70/100
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

Harolds Cross Captains Flat
Inside the suburb 0 1
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0 1

Schools in Harolds Cross

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Schools in Captains Flat

  • Captains Flat Public School Government · Primary below peers

Amenities in the suburb

Harolds Cross Captains Flat
Cafes & restaurants 0 1
Parks & reserves 0 3
Childcare 0 1
Police stations 0 1
Waterways 16 27

Mobility

Captains Flat sits further from the CBD (318.2 km vs 312.7 km).

Harolds Cross Captains Flat
Walkability score 0/100 5/100
Distance to Sydney 312.7 km 318.2 km
+2% vs other
Drive time (normal traffic) 229 min 212 min
Electric vehicle share 0.8%
postcode 2622
 0.6%
postcode 2623
Rooftop solar per 100 dwellings 57
postcode 2622
 38
postcode 2623

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.

Harolds Cross Captains Flat
Car (driver) 66.7% / 75.4%
Harolds Cross — Car (driver): 66.7% Captains Flat — Car (driver): 75.4%
Worked from Home 33.3% / 12.9%
Harolds Cross — Worked from Home: 33.3% Captains Flat — Worked from Home: 12.9%
Car (passenger) — / 6.4%
Harolds Cross — Car (passenger): not among its largest Captains Flat — Car (passenger): 6.4%
Walked Only — / 4.2%
Harolds Cross — Walked Only: not among its largest Captains Flat — Walked Only: 4.2%
Bus — / 1.1%
Harolds Cross — Bus: not among its largest Captains Flat — Bus: 1.1%

Bars are drawn against the largest share shown (75.4%).

Setting

Harolds Cross Captains Flat
Elevation 863 m
above sea level, at the suburb centre
 990 m
above sea level, at the suburb centre

NBN connectivity

Harolds Cross Captains Flat
Connectivity score 27/100 29/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
43 premises
 0%
291 premises

Climate

Harolds Cross Captains Flat
Annual rainfall 724 mm 686 mm
Summer max (Jan) — 28.2°C
Winter min (Jul) — 0.9°C

Council rates

Harolds Cross Captains Flat
Average residential rate $1,751/yr
same for both
Council Queanbeyan-Palerang
same for both

Federal electorate

Harolds Cross Captains Flat
Division Eden-monaro
same for both
Member Kristy Mcbain
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Harolds Cross Captains Flat
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Harolds Cross

Rural

Captains Flat

Affordable Rural

More comparisons

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Other comparisons with Captains Flat

Captains Flat vs Primrose Valley Captains Flat vs Rossi Captains Flat vs Urila Captains Flat vs Tinderry
Full data on Harolds Cross Full data on Captains Flat
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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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