Holgate vs Tumbi Umbi

In both, the large majority of households own their home and the large majority of homes are detached houses. In Holgate, most households are couple families. In Tumbi Umbi, about half of households are couple families. Houses cost more in Holgate: a median of $4.2 million, against $1.02 million in Tumbi Umbi, though rent is higher in Tumbi Umbi. On these figures, Holgate tends to suit couples, while Tumbi Umbi suits people living alone 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

Holgate

ahead on 3 of the 6 things we measure here

  • carries lower crime risk (26/100 vs 56/100)
  • is already more of a family suburb (87% vs 66%)
  • has more separate houses rather than flats (99% vs 81%)
  • But Tumbi Umbi has more childcare (5 vs 1)

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

First-home buyers

Tumbi Umbi

ahead on 2 of the 3 things we measure here

  • has cheaper houses ($1,022,500 vs $4,200,000)
  • has cheaper land ($2,225,000 vs $2,700,000)
  • But Holgate leaves households under less mortgage stress (24% vs 30%)

Weighs house prices, land prices, and mortgage stress.

Renters

Holgate

ahead on 2 of the 3 things we measure here

  • leaves renters under less rental stress (11% vs 25%)
  • has cheaper rent ($335/wk vs $410/wk)
  • But Tumbi Umbi has a bigger rental market to choose from (17% vs 4%)

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

Commuting to the city

Holgate

ahead on the one thing that separates them

  • sits closer to the CBD (92 km vs 94.9 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Tumbi Umbi

ahead on 2 of the 5 things we measure here

  • has more units and townhouses to downsize into (19% vs 1%)
  • has more residents already 65 and over (25% vs 18%)
  • But Holgate carries lower crime risk (26/100 vs 56/100)

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

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

Holgate Tumbi Umbi
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.

Holgate Tumbi Umbi
Walkability 37 / 31
Holgate — Walkability: 37/100 Tumbi Umbi — Walkability: 31/100
Safety 74 / 44
Holgate — Safety: 74/100 Tumbi Umbi — Safety: 44/100
Low fire risk 33 / 37
Holgate — Low fire risk: 33/100 Tumbi Umbi — Low fire risk: 37/100

Demographics

Tumbi Umbi has more residents (5,369 vs 1,023); Holgate has higher household incomes ($153,452 vs $86,164).

Holgate Tumbi Umbi
Population 1,023 5,369
+425% vs other
Population trend (2016 → 2021) +5.2% +5.1%
Median age 43 45
Median household income $153,452/yr
+44% vs other
 $86,164/yr
Median weekly rent $335/wk $410/wk
+22% vs other

Age profile

Share of residents in each band, 2021 Census.

Holgate Tumbi Umbi
0-4 4.1% / 4.7%
Holgate — 0-4: 4.1% Tumbi Umbi — 0-4: 4.7%
5-14 16.4% / 13.4%
Holgate — 5-14: 16.4% Tumbi Umbi — 5-14: 13.4%
15-19 9.5% / 6.5%
Holgate — 15-19: 9.5% Tumbi Umbi — 15-19: 6.5%
20-24 4.6% / 5.6%
Holgate — 20-24: 4.6% Tumbi Umbi — 20-24: 5.6%
25-34 6.7% / 9.2%
Holgate — 25-34: 6.7% Tumbi Umbi — 25-34: 9.2%
35-44 10.9% / 10.3%
Holgate — 35-44: 10.9% Tumbi Umbi — 35-44: 10.3%
45-54 15.5% / 13.4%
Holgate — 45-54: 15.5% Tumbi Umbi — 45-54: 13.4%
55-64 14.9% / 11.6%
Holgate — 55-64: 14.9% Tumbi Umbi — 55-64: 11.6%
65-74 11.2% / 12.4%
Holgate — 65-74: 11.2% Tumbi Umbi — 65-74: 12.4%
75-84 5.3% / 9.3%
Holgate — 75-84: 5.3% Tumbi Umbi — 75-84: 9.3%
85+ 1.2% / 3.7%
Holgate — 85+: 1.2% Tumbi Umbi — 85+: 3.7%

Bars are drawn against the largest share shown (16.4%).

Who lives together

Household composition, 2021 Census.

Holgate 73.5% couple families
Holgate — Couple Families: 73.5% Holgate — Lone Person: 11.5% Holgate — One Parent Families: 13.7% Holgate — Group Household: 0.0% Holgate — Other Families: 1.3%
Tumbi Umbi 47.5% couple families
Tumbi Umbi — Couple Families: 47.5% Tumbi Umbi — Lone Person: 30.7% Tumbi Umbi — One Parent Families: 18.7% Tumbi Umbi — Group Household: 2.5% Tumbi Umbi — Other Families: 0.6%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Holgate 4.1% renting
Holgate — Owned Outright: 43.1% Holgate — Mortgage: 52.9% Holgate — Renting: 4.1%
Tumbi Umbi 17.0% renting
Tumbi Umbi — Owned Outright: 39.3% Tumbi Umbi — Mortgage: 43.7% Tumbi Umbi — Renting: 17.0%
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.

Holgate Tumbi Umbi
England 5.7% / 5.0%
Holgate — England: 5.7% Tumbi Umbi — England: 5.0%
New Zealand 2.2% / 1.3%
Holgate — New Zealand: 2.2% Tumbi Umbi — New Zealand: 1.3%
South Africa 1.4% / 0.6%
Holgate — South Africa: 1.4% Tumbi Umbi — South Africa: 0.6%
Ireland 1.0% / 0.4%
Holgate — Ireland: 1.0% Tumbi Umbi — Ireland: 0.4%
Scotland 0.8% / 0.5%
Holgate — Scotland: 0.8% Tumbi Umbi — Scotland: 0.5%

Bars are drawn against the largest share shown (5.7%).

Qualifications

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

Holgate Tumbi Umbi
Certificate III & IV 12.8% / 18.7%
Holgate — Certificate III & IV: 12.8% Tumbi Umbi — Certificate III & IV: 18.7%
Bachelor Degree 16.4% / 9.5%
Holgate — Bachelor Degree: 16.4% Tumbi Umbi — Bachelor Degree: 9.5%
Advanced Diploma / Diploma 8.7% / 8.8%
Holgate — Advanced Diploma / Diploma: 8.7% Tumbi Umbi — Advanced Diploma / Diploma: 8.8%
Postgraduate Degree 8.0% / 2.3%
Holgate — Postgraduate Degree: 8.0% Tumbi Umbi — Postgraduate Degree: 2.3%
Graduate Diploma / Certificate 3.1% / 1.4%
Holgate — Graduate Diploma / Certificate: 3.1% Tumbi Umbi — Graduate Diploma / Certificate: 1.4%

Bars are drawn against the largest share shown (18.7%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Holgate 99.3% houses
Holgate — Houses: 99.3% Holgate — Townhouses: 1.3% Holgate — Flats / Apartments: 0.0%
Tumbi Umbi 81.0% houses
Tumbi Umbi — Houses: 81.0% Tumbi Umbi — Townhouses: 18.5% Tumbi Umbi — Flats / Apartments: 0.5%
Houses Townhouses Flats / Apartments

Property market

Holgate Tumbi Umbi
Median house price $4,200,000 $1,022,500
Median unit price —
same for both
Median land price $2,700,000 $2,225,000
Typical days to sell (houses) — 29 days
from 49 sales

Zoning mix

Holgate has more land zoned for conservation (97% vs 86%).

Holgate Tumbi Umbi
Environmental 97% 86%
Residential 0% 10%
Parks and recreation 2% 3%
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

Holgate Tumbi Umbi
New dwellings approved 1,441
across Central Coast (NSW)
same for both
Approvals change year on year +67%
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.

Holgate Tumbi Umbi
Houses — 3.7%
$790/wk on $1.12M
Units —
same for both

Ranking within NSW

Holgate Tumbi Umbi
House price Higher than 86% of NSW Higher than 60% of NSW
Income Higher than 95% of NSW Higher than 55% of NSW
Schools —
same for both
Walkability Higher than 77% of NSW Higher than 75% of NSW
Affordability Higher than 42% of NSW
same for both
EV adoption Higher than 83% of NSW Higher than 64% of NSW
NBN connectivity Higher than 68% of NSW Higher than 98% of NSW
Rental yield (houses) — Higher than 53% of NSW

Liveability

Holgate scores higher overall (59 vs 38).

Holgate Tumbi Umbi
Grade B C
Score 59/100 38/100
Socio-economic band very advantaged area
decile 10/10
 advantaged area
decile 7/10

Risk profile

Tumbi Umbi carries more crime risk (56 vs 26).

Holgate Tumbi Umbi
Bushfire Moderate
67/100
 Moderate
63/100
Crime Low
26/100
 Moderate
56/100
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 1
within 5 km
 2
within 5 km

Schools

Holgate Tumbi Umbi
Inside the suburb 1 2
Rated above peers 0
same for both
Rated at peers 1 2
Rated below peers 0
same for both

Schools in Holgate

  • Holgate Public School Government · Primary at peers

Schools in Tumbi Umbi

  • St John Fisher Catholic Primary School Catholic · Primary at peers
  • Tuggerah Lakes Secondary College Tumbi Umbi Campus Government · Secondary at peers

Amenities in the suburb

Holgate Tumbi Umbi
Parks & reserves 3
same for both
Childcare 1 5
GPs 0 1
Pharmacies 0 1
Banks & Bank@Post 0 1
Fuel stations 0 1
EV chargers 0 1
Waterways 5 2

Mobility

Tumbi Umbi sits further from the CBD (94.9 km vs 92 km).

Holgate Tumbi Umbi
Walkability score 37/100 31/100
Distance to Sydney 92 km 94.9 km
+3% vs other
Drive time (normal traffic) 79 min 83 min
Public transport score 50/100
Bus
 79/100
Bus
Peak arrivals per hour 15.0
7-9am + 5-7pm
 80.0
7-9am + 5-7pm
Median peak wait 2 min
scheduled, not actual
 0 min
scheduled, not actual
Electric vehicle share 1.1%
postcode 2250
 0.6%
postcode 2261
Rooftop solar per 100 dwellings 36
postcode 2250
 33
postcode 2261

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.

Holgate Tumbi Umbi
Car (driver) 52.1% / 62.1%
Holgate — Car (driver): 52.1% Tumbi Umbi — Car (driver): 62.1%
Worked from Home 44.5% / 31.9%
Holgate — Worked from Home: 44.5% Tumbi Umbi — Worked from Home: 31.9%
Car (passenger) 2.0% / 4.0%
Holgate — Car (passenger): 2.0% Tumbi Umbi — Car (passenger): 4.0%
Walked Only 1.5% / 1.1%
Holgate — Walked Only: 1.5% Tumbi Umbi — Walked Only: 1.1%
Train — / 0.5%
Holgate — Train: not among its largest Tumbi Umbi — Train: 0.5%

Bars are drawn against the largest share shown (62.1%).

Setting

Holgate Tumbi Umbi
Elevation 47 m
above sea level, at the suburb centre
 56 m
above sea level, at the suburb centre
Distance to the ocean 4.9 km
5.0 km to a named beach
 4.8 km
4.8 km to a named beach

NBN connectivity

Holgate Tumbi Umbi
Connectivity score 54/100 98/100
Most common technology Fibre to the node Fibre to the premises
Full-fibre (FTTP) share 17%
330 premises
 97%
2,244 premises

Climate

Holgate Tumbi Umbi
Annual rainfall 1,272 mm
same for both
Summer max (Jan) 26.4°C
same for both
Winter min (Jul) 10.6°C
same for both

Air quality (annual mean)

Holgate Tumbi Umbi
PM2.5 5.1 µg/m³
same for both
PM10 14.8 µg/m³
same for both
NO₂ 0.36 pphm
same for both

Council rates

Holgate Tumbi Umbi
Average residential rate $1,409/yr
same for both
Council Central Coast (NSW)
same for both

Federal electorate

Holgate Tumbi Umbi
Division Dobell
same for both
Member Emma Mcbride
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Holgate Tumbi Umbi
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Holgate

Acreage Premium Professionals River

Tumbi Umbi

Retirees

More comparisons

Other comparisons with Holgate

Holgate vs Lisarow Holgate vs Erina Holgate vs Springfield Holgate vs Matcham Holgate vs Erina Heights Holgate vs Mount Elliot

Other comparisons with Tumbi Umbi

Tumbi Umbi vs Bateau Bay Tumbi Umbi vs Berkeley Vale Tumbi Umbi vs Killarney Vale Tumbi Umbi vs Wamberal Tumbi Umbi vs Lisarow Tumbi Umbi vs Ourimbah
Full data on Holgate Full data on Tumbi Umbi
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.

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