Woy Woy vs Umina Beach

Umina Beach is the younger of the two, with a median age of 44 against 48 in Woy Woy. In both, most households own their home and most homes are detached houses. In Woy Woy, about half of households are people living alone. Houses cost more in Umina Beach: a median of $1.21 million, against $1.05 million in Woy Woy. On these figures, Woy Woy tends to suit people living alone.

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

Umina Beach

ahead on 4 of the 6 things we measure here

  • has more schools rated above their peers (2 vs 0)
  • carries lower crime risk (66/100 vs 86/100)
  • has more separate houses rather than flats (77% vs 62%)
  • But Woy Woy has more schools inside the suburb (6 vs 2)

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

First-home buyers

Woy Woy

ahead on 2 of the 3 things we measure here

  • has cheaper houses ($1,050,000 vs $1,214,000)
  • has cheaper units ($787,500 vs $877,500)

Weighs house prices, unit prices, and mortgage stress.

Renters

Too close to call

Nothing among the 3 things we measure here separates them by enough to be worth acting on.

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

Commuting to the city

Woy Woy

ahead on 2 of the 4 things we measure here

  • has a shorter drive in (73 min vs 79 min)
  • sits closer to the CBD (81.4 km vs 85 km)
  • But Umina Beach is more walkable (84/100 vs 52/100)

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

Downsizers and retirees

Woy Woy

ahead on 3 of the 5 things we measure here

  • has more GPs (6 vs 2)
  • has more units and townhouses to downsize into (38% vs 23%)
  • has more residents already 65 and over (28% vs 23%)
  • But Umina Beach is more walkable (84/100 vs 52/100)

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

Investors

Woy Woy

ahead on the one thing that separates them

  • returns a higher gross yield on houses (3.7% vs 2.8%)

Weighs house yield and population growth.

Where they sit

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

Woy Woy Umina Beach
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.

Woy Woy Umina Beach
Walkability 52 / 84
Woy Woy — Walkability: 52/100 Umina Beach — Walkability: 84/100
Safety 14 / 34
Woy Woy — Safety: 14/100 Umina Beach — Safety: 34/100
Low fire risk 17 / 13
Woy Woy — Low fire risk: 17/100 Umina Beach — Low fire risk: 13/100

Demographics

Umina Beach has more residents (17,372 vs 11,072); Umina Beach has higher household incomes ($73,892 vs $59,852).

Woy Woy Umina Beach
Population 11,072 17,372
+57% vs other
Population trend (2016 → 2021) +4.0% +3.8%
Median age 48 44
Median household income $59,852/yr $73,892/yr
+23% vs other
Median weekly rent $380/wk $400/wk
+5% vs other

Age profile

Share of residents in each band, 2021 Census.

Woy Woy Umina Beach
0-4 5.0% / 5.7%
Woy Woy — 0-4: 5.0% Umina Beach — 0-4: 5.7%
5-14 10.1% / 12.5%
Woy Woy — 5-14: 10.1% Umina Beach — 5-14: 12.5%
15-19 4.7% / 5.2%
Woy Woy — 15-19: 4.7% Umina Beach — 15-19: 5.2%
20-24 4.5% / 4.8%
Woy Woy — 20-24: 4.5% Umina Beach — 20-24: 4.8%
25-34 10.6% / 9.2%
Woy Woy — 25-34: 10.6% Umina Beach — 25-34: 9.2%
35-44 11.5% / 13.0%
Woy Woy — 35-44: 11.5% Umina Beach — 35-44: 13.0%
45-54 12.1% / 13.3%
Woy Woy — 45-54: 12.1% Umina Beach — 45-54: 13.3%
55-64 13.3% / 13.2%
Woy Woy — 55-64: 13.3% Umina Beach — 55-64: 13.2%
65-74 13.3% / 12.1%
Woy Woy — 65-74: 13.3% Umina Beach — 65-74: 12.1%
75-84 10.0% / 7.7%
Woy Woy — 75-84: 10.0% Umina Beach — 75-84: 7.7%
85+ 4.8% / 3.3%
Woy Woy — 85+: 4.8% Umina Beach — 85+: 3.3%

Bars are drawn against the largest share shown (13.3%).

Who lives together

Household composition, 2021 Census.

Woy Woy 48.5% lone person
Woy Woy — Lone Person: 48.5% Woy Woy — Couple Families: 26.3% Woy Woy — One Parent Families: 18.9% Woy Woy — Group Household: 4.5% Woy Woy — Other Families: 1.8%
Umina Beach 39.2% lone person
Umina Beach — Lone Person: 39.2% Umina Beach — Couple Families: 34.7% Umina Beach — One Parent Families: 20.3% Umina Beach — Group Household: 4.3% Umina Beach — Other Families: 1.5%
Lone Person Couple Families One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Woy Woy 39.9% renting
Woy Woy — Owned Outright: 35.4% Woy Woy — Mortgage: 24.7% Woy Woy — Renting: 39.9%
Umina Beach 34.1% renting
Umina Beach — Owned Outright: 34.8% Umina Beach — Mortgage: 31.1% Umina Beach — Renting: 34.1%
Owned outright Mortgage Renting

Qualifications

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

Woy Woy Umina Beach
Certificate III & IV 15.6% / 16.9%
Woy Woy — Certificate III & IV: 15.6% Umina Beach — Certificate III & IV: 16.9%
Bachelor Degree 8.6% / 9.5%
Woy Woy — Bachelor Degree: 8.6% Umina Beach — Bachelor Degree: 9.5%
Advanced Diploma / Diploma 7.0% / 7.5%
Woy Woy — Advanced Diploma / Diploma: 7.0% Umina Beach — Advanced Diploma / Diploma: 7.5%
Postgraduate Degree 3.0% / 2.7%
Woy Woy — Postgraduate Degree: 3.0% Umina Beach — Postgraduate Degree: 2.7%
Graduate Diploma / Certificate 1.2% / 1.4%
Woy Woy — Graduate Diploma / Certificate: 1.2% Umina Beach — Graduate Diploma / Certificate: 1.4%

Bars are drawn against the largest share shown (16.9%).

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.

Woy Woy Umina Beach
England 4.9% / 5.0%
Woy Woy — England: 4.9% Umina Beach — England: 5.0%
New Zealand 2.0% / 2.1%
Woy Woy — New Zealand: 2.0% Umina Beach — New Zealand: 2.1%
China 1.6% / 0.4%
Woy Woy — China: 1.6% Umina Beach — China: 0.4%
Philippines 1.1% / 0.7%
Woy Woy — Philippines: 1.1% Umina Beach — Philippines: 0.7%
Scotland 0.6% / 0.5%
Woy Woy — Scotland: 0.6% Umina Beach — Scotland: 0.5%
India 0.7% / —
Woy Woy — India: 0.7% Umina Beach — India: not among its largest
South Africa — / 0.4%
Woy Woy — South Africa: not among its largest Umina Beach — South Africa: 0.4%

Bars are drawn against the largest share shown (5.0%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Woy Woy 61.9% houses
Woy Woy — Houses: 61.9% Woy Woy — Townhouses: 29.0% Woy Woy — Flats / Apartments: 9.0%
Umina Beach 76.7% houses
Umina Beach — Houses: 76.7% Umina Beach — Townhouses: 13.6% Umina Beach — Flats / Apartments: 9.6%
Houses Townhouses Flats / Apartments

Property market

Woy Woy Umina Beach
Median house price $1,050,000 $1,214,000
Median unit price $787,500 $877,500
Median land price — $1,475,000
Typical days to sell (houses) 29 days
from 93 sales
 32 days
from 211 sales

Unit price by bedroom count

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

Woy Woy Umina Beach
2 bed $645K / $830K
Woy Woy — 2 bed: $645K (8 sales) Umina Beach — 2 bed: $830K (10 sales)

8 vs 10 sales

3 bed $875K / $924K
Woy Woy — 3 bed: $875K (7 sales) Umina Beach — 3 bed: $924K (16 sales)

7 vs 16 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.

Woy Woy Umina Beach
2 bed $922K / $1.1M
Woy Woy — 2 bed: $922K (36 sales) Umina Beach — 2 bed: $1.1M (55 sales)

36 vs 55 sales

3 bed $1.02M / $1.15M
Woy Woy — 3 bed: $1.02M (92 sales) Umina Beach — 3 bed: $1.15M (168 sales)

92 vs 168 sales

4 bed $1.12M / $1.36M
Woy Woy — 4 bed: $1.12M (36 sales) Umina Beach — 4 bed: $1.36M (100 sales)

36 vs 100 sales

5 bed $1.33M / $1.38M
Woy Woy — 5 bed: $1.33M (14 sales) Umina Beach — 5 bed: $1.38M (34 sales)

14 vs 34 sales

6 bed $1.44M / $1.33M
Woy Woy — 6 bed: $1.44M (6 sales) Umina Beach — 6 bed: $1.33M (8 sales)

6 vs 8 sales

Zoning mix

Woy Woy has more land zoned for conservation (64% vs 7%).

Woy Woy Umina Beach
Residential 20% 75%
Environmental 64% 7%
Parks and recreation 5% 13%
Infrastructure and transport 8% 4%
Commercial 1% 2%
Industrial 2% 0%
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

Woy Woy Umina Beach
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.

Woy Woy Umina Beach
Houses 3.7%
$680/wk on $960K
 2.8%
$655/wk on $1.23M
Units — 2.9%
$525/wk on $935K

Ranking within NSW

Woy Woy Umina Beach
House price Higher than 51% of NSW Higher than 64% of NSW
Income Higher than 21% of NSW Higher than 41% of NSW
Schools Higher than 33% of NSW —
Walkability Higher than 82% of NSW Higher than 94% of NSW
Affordability Higher than 27% of NSW
same for both
EV adoption Higher than 75% of NSW Higher than 76% of NSW
NBN connectivity Higher than 71% of NSW Higher than 72% of NSW
Rental yield (houses) Higher than 56% of NSW Higher than 13% of NSW
Rental yield (units) — Higher than 3% of NSW

Liveability

Umina Beach scores higher overall (38 vs 23); Umina Beach is more walkable (84 vs 52).

Woy Woy Umina Beach
Grade D C
Score 23/100 38/100
Socio-economic band below-average income
decile 2/10
 mid-range socio-economic
decile 4/10

Risk profile

Woy Woy carries more crime risk (86 vs 66).

Woy Woy Umina Beach
Bushfire High
83/100
 High
87/100
Crime High
86/100
 Moderate
66/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
 High
78/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 1
within 5 km
same for both

Schools

Woy Woy Umina Beach
Inside the suburb 6 2
Rated above peers 0 2
Rated at peers 3 0
Rated below peers 0
same for both

Schools in Woy Woy

  • St John the Baptist Catholic Primary School Catholic · Primary at peers
  • Woy Woy Public School Government · Primary at peers
  • Woy Woy South Public School Government · Primary at peers
  • Brisbane Water Secondary College Woy Woy Campus Government · Secondary
  • Aspect Central Coast School, Woy Woy Independent · Primary · Special school
  • EOC Broken Bay - Woy Woy Catholic · Primary · Special school

Schools in Umina Beach

  • Brisbane Water Secondary College Umina Campus Government · Secondary above peers
  • Umina Beach Public School Government · Primary above peers

Amenities in the suburb

Woy Woy Umina Beach
Supermarkets 2 3
Cafes & restaurants 10 13
Parks & reserves 17 10
Childcare 9 4
GPs 6 2
Pharmacies 2
same for both
Hospitals 2 0
Police stations 1 0
Banks & Bank@Post 4 1
Fuel stations 0 2
Waterways 3 10

Mobility

Umina Beach sits further from the CBD (85 km vs 81.4 km).

Woy Woy Umina Beach
Walkability score 52/100 84/100
Distance to Sydney 81.4 km 85 km
+4% vs other
Drive time (normal traffic) 73 min 79 min
Public transport score 91/100
Rail · Bus
 79/100
Bus
Peak arrivals per hour 329.8
7-9am + 5-7pm
 274.5
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
same for both
Electric vehicle share 0.8%
postcode 2256
 0.9%
postcode 2257
Rooftop solar per 100 dwellings 31
postcode 2256
 31
postcode 2257

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.

Woy Woy Umina Beach
Car (driver) 51.8% / 52.6%
Woy Woy — Car (driver): 51.8% Umina Beach — Car (driver): 52.6%
Worked from Home 33.2% / 35.7%
Woy Woy — Worked from Home: 33.2% Umina Beach — Worked from Home: 35.7%
Train 6.5% / 4.0%
Woy Woy — Train: 6.5% Umina Beach — Train: 4.0%
Car (passenger) 3.6% / 3.9%
Woy Woy — Car (passenger): 3.6% Umina Beach — Car (passenger): 3.9%
Walked Only 2.9% / 2.2%
Woy Woy — Walked Only: 2.9% Umina Beach — Walked Only: 2.2%

Bars are drawn against the largest share shown (52.6%).

Setting

Woy Woy Umina Beach
Elevation 97 m
above sea level, at the suburb centre
 6 m
above sea level, at the suburb centre
Distance to the ocean 3.5 km
4.6 km to a named beach
 1.1 km
2.5 km to a named beach

NBN connectivity

Woy Woy Umina Beach
Connectivity score 62/100 64/100
Most common technology Fibre to the node
same for both
Full-fibre (FTTP) share 31%
5,959 premises
 35%
8,263 premises

Climate

Woy Woy Umina Beach
Annual rainfall 1,176 mm
same for both
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Air quality (annual mean)

Woy Woy Umina Beach
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

Woy Woy Umina Beach
Average residential rate $1,409/yr
same for both
Council Central Coast (NSW)
same for both

Federal electorate

Woy Woy Umina Beach
Division Robertson
same for both
Member Gordon Reid
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Woy Woy Umina Beach
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Woy Woy

Easy Commute Outer Parks Retirees River Townhouses Transport Hub

Umina Beach

Coastal Outer Parks River

More comparisons

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Other comparisons with Umina Beach

Umina Beach vs Ettalong Beach Umina Beach vs Blackwall Umina Beach vs Pearl Beach Umina Beach vs Patonga
Full data on Woy Woy Full data on Umina Beach
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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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