Splitters Creek vs Hamilton Valley

Hamilton Valley is the younger of the two, with a median age of 33 against 47 in Splitters Creek. In both, most households own their home and the large majority of homes are detached houses. In Splitters Creek, the large majority of households are couple families. In Hamilton Valley, about half of households are couple families. Houses cost more in Splitters Creek: a median of $1.13 million, against $667,000 in Hamilton Valley, though rent is higher in Hamilton Valley. On these figures, Splitters Creek tends to suit couples and older residents, while Hamilton Valley 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

Splitters Creek

ahead on 2 of the 6 things we measure here

  • carries lower crime risk (45/100 vs 67/100)
  • is already more of a family suburb (87% vs 69%)

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

First-home buyers

Hamilton Valley

ahead on 2 of the 3 things we measure here

  • has cheaper land ($227,000 vs $910,000)
  • has cheaper houses ($667,000 vs $1,130,000)

Weighs house prices, land prices, and mortgage stress.

Renters

Splitters Creek

ahead on 2 of the 3 things we measure here

  • leaves renters under less rental stress (6% vs 18%)
  • has cheaper rent ($168/wk vs $345/wk)
  • But Hamilton Valley has a bigger rental market to choose from (30% vs 7%)

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

Commuting to the city

Hamilton Valley

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (346 min vs 354 min)
  • sits closer to the CBD (553.4 km vs 565.2 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Splitters Creek

ahead on 2 of the 4 things we measure here

  • has more residents already 65 and over (22% vs 10%)
  • carries lower crime risk (45/100 vs 67/100)

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

Investors

Hamilton Valley

ahead on the one thing that separates them

  • is growing faster (47.3% vs 16.9%)

Weighs population growth.

Where they sit

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

Splitters Creek Hamilton Valley
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.

Splitters Creek Hamilton Valley
Walkability 17 / 10
Splitters Creek — Walkability: 17/100 Hamilton Valley — Walkability: 10/100
Safety 55 / 33
Splitters Creek — Safety: 55/100 Hamilton Valley — Safety: 33/100
Low fire risk 22 / 100
Splitters Creek — Low fire risk: 22/100 Hamilton Valley — Low fire risk: 100/100

Demographics

Hamilton Valley has more residents (834 vs 312); Hamilton Valley rents higher ($345/wk vs $168/wk).

Splitters Creek Hamilton Valley
Population 312 834
+167% vs other
Population trend (2016 → 2021) +16.9% +47.3%
Median age 47 33
Median household income $154,336/yr
+35% vs other
 $100,048/yr
Median weekly rent $168/wk $345/wk
+105% vs other

Age profile

Share of residents in each band, 2021 Census.

Splitters Creek Hamilton Valley
0-4 4.5% / 8.4%
Splitters Creek — 0-4: 4.5% Hamilton Valley — 0-4: 8.4%
5-14 15.1% / 16.2%
Splitters Creek — 5-14: 15.1% Hamilton Valley — 5-14: 16.2%
15-19 5.1% / 6.0%
Splitters Creek — 15-19: 5.1% Hamilton Valley — 15-19: 6.0%
20-24 2.2% / 8.2%
Splitters Creek — 20-24: 2.2% Hamilton Valley — 20-24: 8.2%
25-34 7.4% / 15.2%
Splitters Creek — 25-34: 7.4% Hamilton Valley — 25-34: 15.2%
35-44 11.9% / 12.9%
Splitters Creek — 35-44: 11.9% Hamilton Valley — 35-44: 12.9%
45-54 13.1% / 12.0%
Splitters Creek — 45-54: 13.1% Hamilton Valley — 45-54: 12.0%
55-64 18.6% / 11.9%
Splitters Creek — 55-64: 18.6% Hamilton Valley — 55-64: 11.9%
65-74 13.1% / 6.7%
Splitters Creek — 65-74: 13.1% Hamilton Valley — 65-74: 6.7%
75-84 9.0% / 2.5%
Splitters Creek — 75-84: 9.0% Hamilton Valley — 75-84: 2.5%
85+ — / 0.5%
Splitters Creek — 85+: not among its largest Hamilton Valley — 85+: 0.5%

Bars are drawn against the largest share shown (18.6%).

Who lives together

Household composition, 2021 Census.

Splitters Creek 81.2% couple families
Splitters Creek — Couple Families: 81.2% Splitters Creek — Lone Person: 12.5% Splitters Creek — One Parent Families: 6.2% Splitters Creek — Group Household: 0.0% Splitters Creek — Other Families: 0.0%
Hamilton Valley 49.3% couple families
Hamilton Valley — Couple Families: 49.3% Hamilton Valley — Lone Person: 24.2% Hamilton Valley — One Parent Families: 19.3% Hamilton Valley — Group Household: 4.8% Hamilton Valley — Other Families: 2.4%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Splitters Creek 7.4% renting
Splitters Creek — Owned Outright: 45.3% Splitters Creek — Mortgage: 47.4% Splitters Creek — Renting: 7.4%
Hamilton Valley 29.6% renting
Hamilton Valley — Owned Outright: 24.2% Hamilton Valley — Mortgage: 46.2% Hamilton Valley — Renting: 29.6%
Owned outright Mortgage Renting

Qualifications

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

Splitters Creek Hamilton Valley
Bachelor Degree 21.8% / 9.4%
Splitters Creek — Bachelor Degree: 21.8% Hamilton Valley — Bachelor Degree: 9.4%
Certificate III & IV 11.2% / 18.7%
Splitters Creek — Certificate III & IV: 11.2% Hamilton Valley — Certificate III & IV: 18.7%
Advanced Diploma / Diploma 8.3% / 4.1%
Splitters Creek — Advanced Diploma / Diploma: 8.3% Hamilton Valley — Advanced Diploma / Diploma: 4.1%
Postgraduate Degree 8.3% / 2.0%
Splitters Creek — Postgraduate Degree: 8.3% Hamilton Valley — Postgraduate Degree: 2.0%
Graduate Diploma / Certificate 3.5% / 1.7%
Splitters Creek — Graduate Diploma / Certificate: 3.5% Hamilton Valley — Graduate Diploma / Certificate: 1.7%

Bars are drawn against the largest share shown (21.8%).

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.

Splitters Creek Hamilton Valley
England 3.2% / 1.2%
Splitters Creek — England: 3.2% Hamilton Valley — England: 1.2%
New Zealand 1.3% / 1.2%
Splitters Creek — New Zealand: 1.3% Hamilton Valley — New Zealand: 1.2%
Italy 1.6% / —
Splitters Creek — Italy: 1.6% Hamilton Valley — Italy: not among its largest
Nepal — / 1.2%
Splitters Creek — Nepal: not among its largest Hamilton Valley — Nepal: 1.2%
South Africa — / 1.1%
Splitters Creek — South Africa: not among its largest Hamilton Valley — South Africa: 1.1%
Fiji — / 1.0%
Splitters Creek — Fiji: not among its largest Hamilton Valley — Fiji: 1.0%

Bars are drawn against the largest share shown (3.2%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Splitters Creek 101.1% houses
Splitters Creek — Houses: 101.1% Splitters Creek — Townhouses: 0.0% Splitters Creek — Flats / Apartments: 0.0%
Hamilton Valley 95.3% houses
Hamilton Valley — Houses: 95.3% Hamilton Valley — Townhouses: 2.5% Hamilton Valley — Flats / Apartments: 2.2%
Houses Townhouses Flats / Apartments

Property market

Splitters Creek Hamilton Valley
Median house price $1,130,000 $667,000
Median unit price — $600,000
Median land price $910,000 $227,000
Typical days to sell (houses) — 30 days
from 7 sales

Zoning mix

Hamilton Valley has more land zoned for conservation (77% vs 47%); Splitters Creek has more rural and farming land (22% vs 0%).

Splitters Creek Hamilton Valley
Environmental 47% 77%
Infrastructure and transport 28% 9%
Rural and farming 22% 0%
Residential 3% 12%
Parks and recreation 0% 2%
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

Splitters Creek Hamilton Valley
New dwellings approved 423
across Albury
same for both
Approvals change year on year +14%
same for both

Ranking within NSW

Splitters Creek Hamilton Valley
House price Higher than 59% of NSW Higher than 17% of NSW
Income Higher than 95% of NSW Higher than 68% of NSW
Schools —
same for both
Walkability Higher than 67% of NSW Higher than 59% of NSW
Affordability Higher than 83% of NSW Higher than 91% of NSW
EV adoption Higher than 63% of NSW Higher than 30% of NSW
NBN connectivity Higher than 28% of NSW Higher than 86% of NSW

Liveability

Splitters Creek Hamilton Valley
Grade — C
Score — 40/100
Socio-economic band very advantaged area
decile 10/10
 mid-range socio-economic
decile 5/10

Risk profile

Splitters Creek carries more bushfire risk (78 vs 0); Hamilton Valley carries more crime risk (67 vs 45).

Splitters Creek Hamilton Valley
Bushfire High
78/100
 None
0/100
Crime Moderate
45/100
 Moderate
67/100
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

Splitters Creek Hamilton Valley
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

Splitters Creek Hamilton Valley
Parks & reserves 2 0
EV chargers 0 1
Waterways 8 9

Mobility

Splitters Creek sits further from the CBD (565.2 km vs 553.4 km).

Splitters Creek Hamilton Valley
Walkability score 17/100 10/100
Distance to Sydney 565.2 km
+2% vs other
 553.4 km
Drive time (normal traffic) 354 min 346 min
Electric vehicle share 0.6%
postcode 2640
 0.3%
postcode 2641
Rooftop solar per 100 dwellings 54
postcode 2640
 42
postcode 2641

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.

Splitters Creek Hamilton Valley
Car (driver) 73.2% / 84.3%
Splitters Creek — Car (driver): 73.2% Hamilton Valley — Car (driver): 84.3%
Worked from Home 23.6% / 9.5%
Splitters Creek — Worked from Home: 23.6% Hamilton Valley — Worked from Home: 9.5%
Car (passenger) 3.3% / 4.4%
Splitters Creek — Car (passenger): 3.3% Hamilton Valley — Car (passenger): 4.4%
Walked Only — / 1.8%
Splitters Creek — Walked Only: not among its largest Hamilton Valley — Walked Only: 1.8%

Bars are drawn against the largest share shown (84.3%).

Setting

Splitters Creek Hamilton Valley
Elevation 236 m
above sea level, at the suburb centre
 243 m
above sea level, at the suburb centre

NBN connectivity

Splitters Creek Hamilton Valley
Connectivity score 19/100 76/100
Most common technology Satellite (Sky Muster) Fibre to the premises
Full-fibre (FTTP) share 0%
45 premises
 60%
409 premises

Climate

Splitters Creek Hamilton Valley
Annual rainfall 700 mm 645 mm
Summer max (Jan) — 33.3°C
Winter min (Jul) — 2.5°C

Air quality (annual mean)

Splitters Creek Hamilton Valley
PM2.5 7.3 µg/m³
same for both
PM10 18.1 µg/m³
same for both
NO₂ 0.64 pphm
same for both

Council rates

Splitters Creek Hamilton Valley
Average residential rate $1,574/yr
same for both
Council Albury
same for both

Federal electorate

Splitters Creek Hamilton Valley
Division Farrer
same for both
Member David Farley
same for both
Party One Nation
same for both

First Home Owner Grant

Splitters Creek Hamilton Valley
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Splitters Creek

Professionals Rural

Hamilton Valley

Acreage Affordable Family

More comparisons

Other comparisons with Splitters Creek

Splitters Creek vs West Albury Splitters Creek vs Glenroy Splitters Creek vs Jindera Splitters Creek vs Bungowannah

Other comparisons with Hamilton Valley

Hamilton Valley vs Lavington Hamilton Valley vs Glenroy Hamilton Valley vs Jindera
Full data on Splitters Creek Full data on Hamilton Valley
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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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