Cams Wharf NSW 2281
Located in New South Wales, Cams Wharf sits 123 km from Sydney CBD, around 1 hour 35 minutes by car. The suburb has 182 residents, a median age of 56, and a median household income of $72,020 per year. By household income, education, and employment patterns, it ranks in the lower-middle tier nationally. The suburb grew 31.9% between 2016 and 2021. At the 2021 Census, households here paid a median rent of $430 per week and a median monthly mortgage of $1,400. Cams Wharf is characterised by high bushfire risk and high crime risk. Walkability is low.
This suburb is too small to rate.
The Liveability Rating is calculated for suburbs of 500 residents or more, and this one has 182. Below that the school, census and safety figures behind the score cover too few people to rank fairly against the rest of the state. The individual measures further down this page are still shown.
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Median House Price
Public listings dataCams Wharf's house market is moving higher: the median sale price reached $745,000, roughly 20% above where it sat a year earlier.
$745,000
39% below its 3 neighbours (median $1,230,000)
Based on 18 recorded sales in the last 24 months.
Typically sold in 65 days — median across 3 sales that recorded a listing period
By bedrooms
- 2 bed 8 sales $718K
- 3 bed 7 sales $875K
Rental Market
Advertised rents · last 6 monthsHouses in Cams Wharf rent for around $1,100 a week on average, based on 5 houses listed for rent in the past six months.
$1,100/wk
5 houses advertised for rent in the last 6 months.
Rent agreed on new leases
Jul–Sep 2026- 3-bed houses
- $770/wk
- 26 bonds
- +35% since 2021
Median weekly rent on bonds lodged for new tenancies across postcode 2281 (NSW publishes bonds by postcode, which can cover several suburbs). Change since 2021 compares the median of the first four quarters with the last four. Asking rents above come from advertised listings.
Rental affordability
June quarter 202579 Severely unaffordable · the average rental household in this region would pay about 38% of its income on the median rent in postcode 2281.
SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.
Is Cams Wharf safe? Crime statistics
2025Crime in Cams Wharf sits in the high band, with 16 incidents recorded in 2025 — up roughly 33% on the prior year.
16 offences
33.3% since 2024Crime Trend
Serious Road Crashes
2021–20252 crashes
where someone was killed or admitted to hospital
Crashes are counted where they happened, so a main road through the suburb carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.
Council Flood Studies
Lake Macquarie City Council has published 14 flood studies on the NSW Flood Data Portal. The mapped flood areas are in those studies; SuburbScan does not hold them.
- North Creek (Warners Bay) Flood Risk Management Study and Plan, January 2026 2026
- Morans, Stockton, Mullards, Clacks, Melaleuca and Dora Creeks Flood Study - November 2025 2025
- Lake Macquarie City Flood Studies & Floodplain Risk Management Studies/Plans 2025
- North Creek Warners Bay Flood Study (Final Report) January 2025 2025
- Flood Studies for Eight Residual Lake Macquarie Waterway Tributary Catchments 2021
Schools
Walkability
Cams Wharf is very car-dependent on foot — at 14/100, nearly all errands require a car.
NBN connectivity
The internet access technology available across NBN premises in Cams Wharf.
- Full-fibre (FTTP) share
- 0%
- Premises covered
- 215
NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.
Amenities
Lake Macquarie: council population
The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb's own population is in the census section above.
Socio-economic profile
Cams Wharf is home to 182 residents, with a median age of 56 — noticeably older than the national figure of 38. Median household income runs at $72,000 a year, with unemployment at 11.4%.
2021 Census · change since 2016
Population
182
Median Age
56
Median Household Income
$72,020/yr
Census Median Rent
$430/wk
Census Median Mortgage
$1,400/mo
Avg Household Size
2.1
Median Personal Income
$40,248/yr
Unemployment Rate
11.4%
Unoccupied Dwellings
127.4%
Total Dwellings
84
Owner-Occupier Rate
83.3%
Houses
34.5%
Rental Stress
31.0%
Mortgage Stress
23.3%
Work From Home
30.9%
Dwelling Types
Property Ownership
Demographics
- Born in Australia
- 74.7%
- English Spoken at Home
- 91.2%
- Employment Rate
- 44.4%
- Completed Year 12
- 37.4%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $1,708 a year through Lake Macquarie based on 2024 figures.
How this land is zoned
- Environmental 48%
- Infrastructure and transport 23%
- Rural and farming 23%
- Parks and recreation 6%
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 — the property page shows the zone for one address.
Building Approvals: Lake Macquarie
In the year to August 2026, 1,212 new dwellings were approved across Lake Macquarie. That mix is 846 houses and 366 units. Approvals are up 1.6% on the same period a year earlier.
Aboriginal Land Council
Aboriginal land in this area is administered by the Bahtabah Local Aboriginal Land Council.
Local Aboriginal Land Councils are statutory bodies under the Aboriginal Land Rights Act 1983, responsible for land claims and land management for their members. Their boundaries are administrative and are not a statement of whose Country this is. NSW does not publish a register of Aboriginal parties by area — they are registered for each project.
Air Quality
CLEANPM2.5 averaged 5 µg/m³ in 2025 — below the WHO 2021 annual guideline (5 µg/m³). 1 day exceeded the daily threshold of 25 µg/m³.
PM10 averaged 11.6 µg/m³ · NO₂ averaged 0.27 pphm. Days over the limit in 2025: PM10 1 · NO₂ 0 · ozone 0.
From the Morisset monitoring station, 6.4 km away.
Climate & Setting
from Norah Head AWS, 17.7 kmHigh rainfall — warm summers, mild winters.
- Elevation
- 13 m
- above sea level, at the suburb centre
- Distance to the ocean
- 2.4 km
- 2.9 km to a named beach
- Annual rainfall
- 1,272 mm
- 104 rainy days
- Summer max (Jan)
- 26.4°C
- 3 days ≥ 35°C
- Winter min (Jul)
- 10.6°C
- 0 frost days ≤ 0°C
Elevation is the ground at the suburb centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.
EV adoption
In postcode 2281, 107 of 11,946 registered light vehicles are battery-electric on 31 January 2025. A further 2.8% (337 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 3.7%.
Rooftop solar
In postcode 2281, 3,160 rooftop-solar systems totalling 21.5 MW have been installed since 2001, against 6,971 dwellings recorded in the 2021 Census. 221 went up in the last year.
Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.
2026 covers part of the year only, to 2026-07.
First Home Owner Grant
FY2026-27$10,000 for new homes priced up to $600,000.
Off-the-plan or contracted-build value cap is $750,000 (vs $600,000 for completed new homes). Stamp duty concessions are a separate scheme (First Home Buyers Assistance).
Mortgage repayments
1 mortgage broker is registered in this suburb, 3 across postcode 2281.
Transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with Revenue NSW
The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $600,000 may qualify for $10,000 — see what qualifies with Revenue NSW.
At $745,000 this is $145,000 above the $600,000 First Home Owner Grant cap. A first home buyer may qualify for $10,000 on a newly built home — check eligibility with Revenue NSW.
A deposit under 20% usually attracts Lenders Mortgage Insurance, which this doesn't include.
Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-27 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.
Federal Electorate
Currently held by Pat Conroy Australian Labor Party
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Pat Conroy | 61.5% | 38.5% | +5.5 |
| 2022 | Pat Conroy | 55.8% | 44.2% | -1.4 |
| 2019 | Pat Conroy | 54.5% | 45.5% | +5.5 |
Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact suburb's voters across time.
State Electorate
Currently held by Yasmin Catley Labor
Next state election: 13 March 2027.
| Year | Winner | Won with |
|---|---|---|
| 2023 | Yasmin Catley ALP | 65.5% |
| 2019 | Yasmin Catley ALP | 60.6% |
| 2015 | Yasmin Catley ALP | 63.0% |
Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this suburb's voters. Results: © State of New South Wales through the NSW Electoral Commission, CC BY 4.0, adapted.
Looking at a specific address in Cams Wharf?
Every figure above is a suburb average, and an average smooths over the difference between a street of family homes and a block of flats. Look up one address and you get the census for the few hundred people around it, its own nearest schools and stops, and what the state has mapped for that block.
- The census for a few hundred neighbours, not all 182 residents
- Nearest and zoned schools, with the walk from that door
- Flood, bushfire and noise mapping, where the state publishes it
Free to look up. Subscribers see every section in full — $29/month.
Nearby suburbs
Compare Cams Wharf to another suburb
Side-by-side stats for any other NSW suburb — type a name and pick one.
Or jump straight to a nearby comparison:
Common questions about Cams Wharf
Is Cams Wharf a safe place to live?
Recorded crime in Cams Wharf is high (82/100, ranked against other NSW suburbs on offences per resident). Offences against shops, venues and visitors are divided by the people who live here, so suburbs with large daytime or visitor populations rank higher than living there may feel.
What natural hazards affect Cams Wharf?
Cams Wharf has a high recorded bushfire history (90/100, ranked against every Australian suburb with any fire history). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.
What is the population of Cams Wharf?
Cams Wharf, NSW had a population of 182 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Cams Wharf, NSW?
The postcode for Cams Wharf, NSW is 2281.
How far is Cams Wharf from Sydney?
Cams Wharf is 123 km from Sydney CBD by road, about 97 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Cams Wharf?
At the 2021 ABS Census, median household income in Cams Wharf was $72,020 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.
What is the median weekly rent in Cams Wharf?
The median advertised rent in Cams Wharf is $1,100 a week for houses (5 listings), from rental listings over the last six months.
What is the median age in Cams Wharf?
The median age of residents in Cams Wharf was 56 at the 2021 ABS Census.
Is Cams Wharf at risk of bushfire?
Cams Wharf has a high recorded bushfire history (90/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the suburb relative to its size, ranked against every Australian suburb with any fire history. It records where fire has burned, not a bushfire-prone land designation, which your council's planning scheme sets.
Is Cams Wharf walkable?
Cams Wharf scores 14/100 on the SuburbScan Walkability Score, making it very car-dependent. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.
What is the air quality in Cams Wharf?
The nearest government air-quality monitoring station to Cams Wharf (Morisset) recorded a 2025 annual mean PM2.5 of 5.0 µg/m³ and PM10 of 11.6 µg/m³. That puts Cams Wharf below the WHO annual guideline of 5 µg/m³.
What is the weather like in Cams Wharf?
At the nearest Bureau of Meteorology station to Cams Wharf, Norah Head AWS (17.7 km away), summer days average 26.4°C, winter nights 10.6°C, 1,272 mm of rain a year over 104 rainy days, and 3 days a year above 35°C over 2006-2026.
Is the First Home Owner Grant available in Cams Wharf?
First-home buyers in NSW may be eligible for $10,000 towards new homes with a purchase price up to $600,000. The grant is administered by Revenue NSW; confirm current eligibility before signing a contract — state rules and amounts can change.
What council does Cams Wharf belong to?
Cams Wharf sits within the Lake Macquarie local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Cams Wharf?
The average residential rates bill through Lake Macquarie is $1,708 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Cams Wharf?
Across Lake Macquarie, 1,212 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 1.6% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.
Which federal electorate is Cams Wharf in?
Cams Wharf sits within the federal Division of Shortland, currently held by Pat Conroy (Australian Labor Party).
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Data freshness
- Census · 2021
- Median sale prices · Oct 2026
- For-sale & rental market · Oct 2026
- Council rates · FY 2024–25
- Building approvals · Aug 2026
- Schools · 2025
- NBN connectivity · Dec 2025
- Crime · 2025
- Road crashes · 2021–2025
- Air quality · 2025
- Climate · 2006–2026
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- State electorate · 2023
- Amenities · Sep 2026
- Health & emergency facilities · Sep 2026
- Industrial emissions (NPI) · 2024/2025
- Coastal erosion · 1988–2025
- Aircraft noise · 2024
Vintages show when each source's data is from. See all data sources.
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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.
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