Mount Warrigal vs Oak Flats

Comparing Mount Warrigal and Oak Flats, NSW: Oak Flats has more residents (6,840 vs 4,880); Oak Flats is more walkable (88 vs 64); and Oak Flats carries more crime risk (74 vs 64).

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

  • Mount Warrigal has more separate houses rather than flats (98% vs 82%)
  • Oak Flats has more schools inside the suburb (4 vs 1)

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

First-home buyers

Oak Flats

ahead on the one thing that separates them

  • has cheaper units ($700,000 vs $845,000)

Weighs house prices, unit prices, and mortgage stress.

Renters

Mount Warrigal

ahead on the one thing that separates them

  • has cheaper rent ($405/wk vs $440/wk)

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

Commuting to the city

They split

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

  • Mount Warrigal sits closer to the CBD (103.3 km vs 109.9 km)
  • Oak Flats is more walkable (88/100 vs 64/100)

Weighs distance, drive time, rail access, and walkability.

Downsizers and retirees

Oak Flats

ahead on 3 of the 5 things we measure here

  • has more units and townhouses to downsize into (18% vs 2%)
  • has more GPs (4 vs 0)
  • is more walkable (88/100 vs 64/100)
  • But Mount Warrigal carries lower crime risk (64/100 vs 74/100)

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

Investors

Oak Flats

ahead on the one thing that separates them

  • is growing faster (6.6% vs -0.6%)

Weighs house yield and population growth.

Where they sit

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

Mount Warrigal Oak Flats
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.

Mount Warrigal Oak Flats
Walkability 64 / 88
Mount Warrigal — Walkability: 64/100 Oak Flats — Walkability: 88/100
Safety 36 / 26
Mount Warrigal — Safety: 36/100 Oak Flats — Safety: 26/100
Low fire risk 100 / 100
Mount Warrigal — Low fire risk: 100/100 Oak Flats — Low fire risk: 100/100

Demographics

Oak Flats has more residents (6,840 vs 4,880).

Mount Warrigal Oak Flats
Population 4,880 6,840
+40% vs other
Population trend (2016 → 2021) -0.6% +6.6%
Median age 42
same for both
Median household income $70,980/yr $77,376/yr
+9% vs other
Median weekly rent $405/wk $440/wk
+9% vs other

Age profile

Share of residents in each band, 2021 Census.

Mount Warrigal Oak Flats
0-4 5.9% / 5.1%
Mount Warrigal — 0-4: 5.9% Oak Flats — 0-4: 5.1%
5-14 12.6% / 12.2%
Mount Warrigal — 5-14: 12.6% Oak Flats — 5-14: 12.2%
15-19 5.6% / 5.4%
Mount Warrigal — 15-19: 5.6% Oak Flats — 15-19: 5.4%
20-24 5.9% / 6.3%
Mount Warrigal — 20-24: 5.9% Oak Flats — 20-24: 6.3%
25-34 11.5% / 12.5%
Mount Warrigal — 25-34: 11.5% Oak Flats — 25-34: 12.5%
35-44 10.8% / 11.1%
Mount Warrigal — 35-44: 10.8% Oak Flats — 35-44: 11.1%
45-54 11.9% / 11.7%
Mount Warrigal — 45-54: 11.9% Oak Flats — 45-54: 11.7%
55-64 12.6% / 14.6%
Mount Warrigal — 55-64: 12.6% Oak Flats — 55-64: 14.6%
65-74 12.0% / 12.1%
Mount Warrigal — 65-74: 12.0% Oak Flats — 65-74: 12.1%
75-84 8.9% / 6.6%
Mount Warrigal — 75-84: 8.9% Oak Flats — 75-84: 6.6%
85+ 2.5% / 2.3%
Mount Warrigal — 85+: 2.5% Oak Flats — 85+: 2.3%

Bars are drawn against the largest share shown (14.6%).

Who lives together

Household composition, 2021 Census.

Mount Warrigal 40.5% couple families
Mount Warrigal — Couple Families: 40.5% Mount Warrigal — Lone Person: 29.9% Mount Warrigal — One Parent Families: 25.6% Mount Warrigal — Group Household: 2.4% Mount Warrigal — Other Families: 1.6%
Oak Flats 39.7% couple families
Oak Flats — Couple Families: 39.7% Oak Flats — Lone Person: 32.0% Oak Flats — One Parent Families: 21.8% Oak Flats — Group Household: 3.8% Oak Flats — Other Families: 2.7%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Mount Warrigal 26.4% renting
Mount Warrigal — Owned Outright: 43.4% Mount Warrigal — Mortgage: 30.2% Mount Warrigal — Renting: 26.4%
Oak Flats 24.7% renting
Oak Flats — Owned Outright: 42.5% Oak Flats — Mortgage: 32.8% Oak Flats — Renting: 24.7%
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.

Mount Warrigal Oak Flats
England 3.8% / 4.9%
Mount Warrigal — England: 3.8% Oak Flats — England: 4.9%
New Zealand 1.6% / 1.1%
Mount Warrigal — New Zealand: 1.6% Oak Flats — New Zealand: 1.1%
Germany 1.0% / 1.3%
Mount Warrigal — Germany: 1.0% Oak Flats — Germany: 1.3%
Italy 1.0% / 0.6%
Mount Warrigal — Italy: 1.0% Oak Flats — Italy: 0.6%
Scotland 0.5% / 0.6%
Mount Warrigal — Scotland: 0.5% Oak Flats — Scotland: 0.6%

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

Qualifications

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

Mount Warrigal Oak Flats
Certificate III & IV 19.1% / 21.4%
Mount Warrigal — Certificate III & IV: 19.1% Oak Flats — Certificate III & IV: 21.4%
Advanced Diploma / Diploma 6.8% / 8.0%
Mount Warrigal — Advanced Diploma / Diploma: 6.8% Oak Flats — Advanced Diploma / Diploma: 8.0%
Bachelor Degree 6.4% / 7.0%
Mount Warrigal — Bachelor Degree: 6.4% Oak Flats — Bachelor Degree: 7.0%
Postgraduate Degree 1.3% / 2.0%
Mount Warrigal — Postgraduate Degree: 1.3% Oak Flats — Postgraduate Degree: 2.0%
Graduate Diploma / Certificate 1.1% / 1.0%
Mount Warrigal — Graduate Diploma / Certificate: 1.1% Oak Flats — Graduate Diploma / Certificate: 1.0%

Bars are drawn against the largest share shown (21.4%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Mount Warrigal 98.3% houses
Mount Warrigal — Houses: 98.3% Mount Warrigal — Townhouses: 1.2% Mount Warrigal — Flats / Apartments: 0.6%
Oak Flats 82.2% houses
Oak Flats — Houses: 82.2% Oak Flats — Townhouses: 15.4% Oak Flats — Flats / Apartments: 2.4%
Houses Townhouses Flats / Apartments

Property market

Mount Warrigal Oak Flats
Median house price $940,000 $988,500
Median unit price $845,000 $700,000
Median land price —
same for both
Typical days to sell (houses) 20 days
from 29 sales
 24 days
from 78 sales

House price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Mount Warrigal Oak Flats
3 bed $920K / $928K
Mount Warrigal — 3 bed: $920K (47 sales) Oak Flats — 3 bed: $928K (74 sales)

47 vs 74 sales

4 bed $965K / $1.1M
Mount Warrigal — 4 bed: $965K (30 sales) Oak Flats — 4 bed: $1.1M (33 sales)

30 vs 33 sales

Zoning mix

Mount Warrigal Oak Flats
Residential 83% 64%
Parks and recreation 14% 15%
Infrastructure and transport 2% 8%
Industrial 0% 7%
Commercial 0% 4%
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

Mount Warrigal Oak Flats
New dwellings approved 883
across Shellharbour
same for both
Approvals change year on year +25%
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.

Mount Warrigal Oak Flats
Houses 4.4%
$780/wk on $928K
 4.0%
$725/wk on $940K
Units —
same for both

Ranking within NSW

Mount Warrigal Oak Flats
House price Higher than 46% of NSW Higher than 44% of NSW
Income Higher than 34% of NSW Higher than 45% of NSW
Schools — Higher than 7% of NSW
Walkability Higher than 86% of NSW Higher than 95% of NSW
Affordability Higher than 44% of NSW Higher than 52% of NSW
EV adoption Higher than 30% of NSW Higher than 78% of NSW
NBN connectivity Higher than 83% of NSW Higher than 81% of NSW
Rental yield (houses) Higher than 88% of NSW Higher than 74% of NSW

Liveability

Oak Flats is more walkable (88 vs 64).

Mount Warrigal Oak Flats
Grade C
same for both
Score 48/100 45/100
Socio-economic band below-average income
decile 2/10
 below-average income
decile 3/10

Risk profile

Oak Flats carries more crime risk (74 vs 64).

Mount Warrigal Oak Flats
Bushfire None
0/100
same for both
Crime Moderate
64/100
 High
74/100
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 6
within 5 km
same for both

Schools

Mount Warrigal Oak Flats
Inside the suburb 1 4
Rated above peers 0
same for both
Rated at peers 1 3
Rated below peers 0 1

Schools in Mount Warrigal

  • Mount Warrigal Public School Government · Primary at peers

Schools in Oak Flats

  • Balarang Public School Government · Primary at peers
  • Corpus Christi Catholic High School Catholic · Secondary at peers
  • Oak Flats Public School Government · Primary at peers
  • Oak Flats High School Government · Secondary below peers

Amenities in the suburb

Mount Warrigal Oak Flats
Cafes & restaurants 1 0
Parks & reserves 12 14
Childcare 2 6
GPs 0 4
Pharmacies 1 2
Hospitals 0 1
Police stations 0 1
Banks & Bank@Post 0 2
Fuel stations 0 1
Waterways 0 1

Mobility

Oak Flats sits further from the CBD (109.9 km vs 103.3 km).

Mount Warrigal Oak Flats
Walkability score 64/100 88/100
Distance to Sydney 103.3 km 109.9 km
+6% vs other
Drive time (normal traffic) 99 min 97 min
Public transport score 78/100
Bus
 80/100
Rail · Bus
Peak arrivals per hour 62.0
7-9am + 5-7pm
 132.5
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
same for both
Electric vehicle share 0.3%
postcode 2528
 0.9%
postcode 2529
Rooftop solar per 100 dwellings 31
postcode 2528
 45
postcode 2529

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.

Mount Warrigal Oak Flats
Car (driver) 72.0% / 71.8%
Mount Warrigal — Car (driver): 72.0% Oak Flats — Car (driver): 71.8%
Worked from Home 18.8% / 20.3%
Mount Warrigal — Worked from Home: 18.8% Oak Flats — Worked from Home: 20.3%
Car (passenger) 5.8% / 3.8%
Mount Warrigal — Car (passenger): 5.8% Oak Flats — Car (passenger): 3.8%
Walked Only 0.9% / 1.7%
Mount Warrigal — Walked Only: 0.9% Oak Flats — Walked Only: 1.7%
Bus 1.4% / 1.0%
Mount Warrigal — Bus: 1.4% Oak Flats — Bus: 1.0%
Train 0.8% / 1.0%
Mount Warrigal — Train: 0.8% Oak Flats — Train: 1.0%

Bars are drawn against the largest share shown (72.0%).

Setting

Mount Warrigal Oak Flats
Elevation 38 m
above sea level, at the suburb centre
 17 m
above sea level, at the suburb centre
Distance to the ocean 2.4 km
3.2 km to a named beach
 4.3 km
4.3 km to a named beach

NBN connectivity

Mount Warrigal Oak Flats
Connectivity score 75/100 74/100
Most common technology Fibre to the premises
same for both
Full-fibre (FTTP) share 55%
1,992 premises
 53%
3,270 premises

Climate

Mount Warrigal Oak Flats
Annual rainfall 974 mm
same for both
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Air quality (annual mean)

Mount Warrigal Oak Flats
PM2.5 5.1 µg/m³
same for both
PM10 14.3 µg/m³
same for both
NO₂ 0.37 pphm
same for both

Council rates

Mount Warrigal Oak Flats
Average residential rate $1,788/yr
same for both
Council Shellharbour
same for both

Federal electorate

Mount Warrigal Oak Flats
Division Whitlam
same for both
Member Carol Berry
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Mount Warrigal Oak Flats
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Mount Warrigal

Coastal Parks Quiet

Oak Flats

Parks River Transport Hub

More comparisons

Other comparisons with Mount Warrigal

Mount Warrigal vs Warilla Mount Warrigal vs Barrack Heights Mount Warrigal vs Lake Illawarra

Other comparisons with Oak Flats

Oak Flats vs Albion Park Rail Oak Flats vs Barrack Heights Oak Flats vs Blackbutt Oak Flats vs Shellharbour City Centre Oak Flats vs Croom
Full data on Mount Warrigal Full data on Oak Flats
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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