Swansea Heads NSW 2281

Located in New South Wales, Swansea Heads sits 131 km from Sydney CBD, around 1 hour 45 minutes by car. The suburb has 609 residents, a median age of 46, and a median household income of $108,316 per year. On socioeconomic measures it sits in the top 20% nationally. The 2021 Census recorded a median rent of $380 per week and a median monthly mortgage of $1,992. The area shows no recorded bushfire exposure. Walkability is low.

Is Swansea Heads a good suburb?

Swansea Heads scores a B (61/100) on SuburbScan's Liveability grade — strong on community, weaker on transit.

Transit

Car-dependent

Walkability 28/100 · 130.7 km · 103 min drive to Sydney

Prices

Around the state median

Median $1.34M · Pricier than 78% of NSW

Safety

Moderate crime risk

Fire 0/100 · Crime 48/100

Community

Very advantaged

SEIFA decile 9/10 · median age 46 · 609 residents

B

Liveability Rating

61 / 100 · Ranked #487 in NSW

Each bar is Swansea Heads's rank among NSW suburbs, from 0 to 100 (higher is better). Scored on 4 of 5 factors: no school data, so the other factors carry its weight.

Schools quality no data
no schools mapped
Safety
80
Bushfire None · Crime Moderate

No flood data is published for New South Wales — a blank here means we hold no data, not that there is no risk.

Socio-economic
64
Very advantaged
Walkability
32
Car-dependent
CBD access
45
130.7 km · 103 min drive to Sydney
How it's calculated: Safety rank 80 × 25% + Socio-economic rank 64 × 25% + Walkability rank 32 × 15% + CBD access rank 45 × 10% = 61 / 100. Missing components rebalance the remaining weights.
Additional risks: Coastal erosion Moderate

How do you rate the liveability in Swansea Heads?

Local knowledge beats any dataset. Rate it and see what other residents think.

Our score

61 / 100

From schools, safety and socio-economic data — not opinion.

Residents say

…

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One rating per person. You can change yours at any time.

Median House Price

Public listings data

Swansea Heads's house market is moving lower: the median sale price reached $1.34 million, 0.7% below where it sat a year earlier.

Houses

$1,345,000

Pricier than 78% of NSW

17% above its 3 neighbours (median $1,150,000)

↓ −0.7% year-on-year

Based on 10 recorded sales in the last 24 months.

Typically sold in 38 days — median across 4 sales that recorded a listing period

By bedrooms

  • 3 bed 7 sales $1.34M

Land

$1,950,000

Based on only 3 sales — small sample, take as indicative.

Rental Market

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 2025

79 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 Swansea Heads safe? Crime statistics

2025

Crime in Swansea Heads sits in the moderate band, with 16 incidents recorded in 2025 — up roughly 23% on the prior year.

16 offences

23.1% since 2024
Theft 8 (50.0%)
Assault 3 (18.8%)
Harassment & Stalking 2 (12.5%)
Property Damage 2 (12.5%)
Sexual Offences 1 (6.2%)

Crime Trend

Serious Road Crashes

2021–2025

No crash in Swansea Heads killed anyone or put anyone in hospital in 2021–2025.

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.

All 14 on the portal

Coastal Erosion

93
monitoring points
within 5 km
66
actively eroding
> 0.1 m/yr retreat
-0.50
worst rate (m/yr)
Significant
188 m
nearest coastline
monitoring point

Shoreline Change Summary

1988–2025
Stable or accreting 47 (51%)
Moderate erosion (0.1–0.3 m/yr) 36 (39%)
Significant erosion (> 0.3 m/yr) 10 (11%)

Nearest Eroding Coastline

Distance
188 m
Rate
-0.04 m/yr
Net Movement
-2.8 m
Certainty
good

Data Quality

High certainty: 27 of 93 points (29%)

Schools

No schools in this suburb boundary.

Walkability

Swansea Heads is car-dependent on foot — at 28/100, most errands require a car.

28
out of 100
Car-Dependent
Public Transport within 1 km 60
Schools within 1.5 km 0
Parks within 800 m 80
Supermarkets within 1 km 0
GPs within 1 km 0
Pharmacies within 1 km 0
Childcare within 1 km 0
Hospitals within 5 km 0

Public transport

Weekday and weekend service frequency across every stop inside Swansea Heads.

50
out of 100
Bus
Peak (7-9am + 5-7pm)
14.0 arrivals/hr
Off-peak weekday
7.4 arrivals/hr
Saturday
5.4 arrivals/hr
Median peak wait
1 min
Span of service
17.7 hours

Scheduled service only, based on the 21 October 2026 timetable. Reliability (delays, cancellations) not measured.

NBN connectivity

The internet access technology available across NBN premises in Swansea Heads.

91
connectivity score / 100
Top 5% in NSW
Most common
Fibre to the premises
Full-fibre (FTTP) share
53%
Premises covered
259
Technology mix
Fibre to the premises (FTTP) 53%
Fibre to the curb (FTTC) 47%

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

Supermarkets
None
Shopping Centres
None
Cafes & Restaurants
None
Parks & Reserves
3 in suburb
Sport & Recreation
None
Beaches
3 in suburb
Waterways
None
Childcare
None
GPs
None
Pharmacies
None
Hospitals
None
Police Stations
None
Banks & Bank@Post
None
Fuel Stations
None
EV Chargers
None
Pubs & Bars
None
Arts & Culture
None
Places of Worship
None

Lake Macquarie: council population

The whole council area, not just Swansea Heads · estimated residents
at 30 June 2025
Residents
224,540
+1.1% in a year
Change
+2,396
people since 2024
Density
346
people per km² across the council area
What drove the change
Natural increase
+246
births minus deaths
Net internal migration
+1,535
moves within Australia
Net overseas migration
+615
arrivals minus departures

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

ABS SEIFA · ranked against every suburb in Australia, and within the state
2021 census
Advantage and disadvantage
9/10
8/10 within NSW
income, education, jobs and housing together
Economic resources
8/10
8/10 within NSW
income against housing cost and household size
Education and occupation
8/10
7/10 within NSW
qualifications and job type, income excluded

Swansea Heads is home to 609 residents, with a median age of 46, a touch above the national 38. Median household income runs at $108,000 a year, with unemployment at 3.4%.

2021 Census · change since 2016

Population

609

0.8% since 2016

Median Age

46

4.5% since 2016

Median Household Income

$108,316/yr

27.5% since 2016

Census Median Rent

$380/wk

13.6% since 2016

Census Median Mortgage

$1,992/mo

8.1% since 2016

Avg Household Size

2.7

3.6% since 2016

Median Personal Income

$41,808/yr

31.4% since 2016

Unemployment Rate

3.4%

56.4% since 2016

Unoccupied Dwellings

15.4%

4.9% since 2016

Total Dwellings

214

4.9% since 2016

Owner-Occupier Rate

85.1%

0.9% since 2016

Houses

90.2%

0.6% since 2016

Rental Stress

18.2%

32.3% since 2016

Mortgage Stress

22.1%

27.8% since 2016

Work From Home

29.7%

450.0% since 2016

Dwelling Types

Houses 193 (90.2%)
Townhouses 13 (6.1%)
Flats / Apartments 8 (3.7%)

Property Ownership

Owned Outright 104 (50.0%)
Mortgage 73 (35.1%)
Renting 31 (14.9%)

Demographics

Born in Australia
88.5%
English Spoken at Home
93.6%
Employment Rate
57.7%
6.1% since 2016
Completed Year 12
39.6%

Occupations

Professionals 79 (27.4%)
Technicians & Trades 57 (19.8%)
Managers 47 (16.3%)
Community & Personal Service 32 (11.1%)
Clerical & Administrative 27 (9.4%)
Sales 22 (7.6%)
Labourers 20 (6.9%)
Machinery Operators & Drivers 12 (4.2%)

Religion

Christianity 334 (54.8%)
No Religion 233 (38.3%)
Buddhism 8 (1.3%)
Other Religions 4 (0.7%)

Country of Birth (overseas)

Largest overseas birthplaces, as a share of all residents.

England 17 (2.8%)
Germany 7 (1.1%)
Thailand 7 (1.1%)
New Zealand 4 (0.7%)

Where New Residents Came From

Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.

7.0% of residents (41) lived in a capital city five years earlier, most of them in Sydney (41).

Top places newcomers came from, as a share of the 583 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.

Languages Spoken at Home

Top languages other than English, as a share of all residents.

Thai 5 (0.8%)

Age Distribution

0-4 26 (4.3%)
5-14 76 (12.5%)
15-19 35 (5.7%)
20-24 34 (5.6%)
25-34 44 (7.2%)
35-44 85 (14.0%)
45-54 71 (11.7%)
55-64 106 (17.4%)
65-74 86 (14.1%)
75-84 38 (6.2%)
85+ 15 (2.5%)

Family & Household Composition

Couple Families 80 (48.2%)
Lone Person 40 (24.1%)
One Parent Families 36 (21.7%)
Other Families 7 (4.2%)
Group Household 3 (1.8%)

Commute to Work

Car (driver) 149 (64.2%)
Worked from Home 69 (29.7%)
Car (passenger) 9 (3.9%)
Bicycle 5 (2.2%)

1% of employed residents work in a capital's city centre (4 of 288).

City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.

Education

Certificate III & IV 129 (21.2%)
Bachelor Degree 77 (12.6%)
Advanced Diploma / Diploma 53 (8.7%)
Postgraduate Degree 21 (3.4%)
Graduate Diploma / Certificate 14 (2.3%)

Cars per Dwelling

0 cars 8 (3.7%)
1 car 58 (27.0%)
2 cars 83 (38.6%)
3 cars 41 (19.1%)
4+ cars 24 (11.2%)

Council Rates

Lake Macquarie
FY 2024-25

Households face an average residential rates bill of $1,708 a year through Lake Macquarie based on 2024 figures.

Avg residential rate
$1,708/yr
39% above the NSW average of $1,230 · median of 128 councils
Valuation basis
Unimproved Value
land only

How this land is zoned

Share of Swansea Heads's area by planning zone
2026-09
  • Environmental 58%
  • Residential 31%
  • Parks and recreation 5%
  • Not zoned 6%

Planning zones cover 94% of the suburb's area. The rest is unzoned land such as water or road reserve.

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

The whole council area, not just Swansea Heads · new residential dwellings
to 2026-08

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.

Trailing 12 months
1,212dwellings
+1.6% YoY
Houses
846
detached dwellings
Units
366
townhouses + apartments

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

CLEAN

PM2.5 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, 10.1 km away.

Climate & Setting

from Norah Head AWS, 22.3 km

High rainfall — warm summers, mild winters.

Elevation
27 m
above sea level, at the suburb centre
Distance to the ocean
154 m
187 m 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

0.9%
of light vehicles are electric
Up from 0.05% in 2021
+0.3 points this year
Top 22% in NSW

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%.

Electric share, year by year
2021
0.05%
2022
0.13%
2023
0.32%
2024
0.55%
2025
0.90%

Rooftop solar

45
systems per 100 dwellings
Averaging 6.8 kW each

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.

Systems installed, year by year
2019
258
2020
319
2021
289
2022
256
2023
362
2024
298
2025
215
2026
132

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).

Verify eligibility with Revenue NSW

Mortgage repayments

I'm looking for
Deposit
$
%
Monthly repayment
$7,015
Loan amount
$1,076,000
Total interest over 30 years
$1,449,297

3 mortgage brokers are registered in postcode 2281.

Deposit
$269,000
Stamp duty
$55,262
Cash needed at settlement
$324,262

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.

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

Division of Shortland

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

Swansea District

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 Swansea Heads?

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.

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Nearby suburbs

Compare Swansea Heads to another suburb

Side-by-side stats for any other NSW suburb — type a name and pick one.

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Common questions about Swansea Heads

Is Swansea Heads a safe place to live?

Recorded crime in Swansea Heads is moderate (48/100, ranked against other NSW suburbs on offences per resident).

What natural hazards affect Swansea Heads?

Swansea Heads has no recorded bushfire history. These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.

Is Swansea Heads a good place to live?

Swansea Heads has a SuburbScan Liveability grade of B (61/100), ranked against other NSW suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.

What is the population of Swansea Heads?

Swansea Heads, NSW had a population of 609 at the 2021 Australian Bureau of Statistics census.

What is the postcode for Swansea Heads, NSW?

The postcode for Swansea Heads, NSW is 2281.

How far is Swansea Heads from Sydney?

Swansea Heads is 131 km from Sydney CBD by road, about 103 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.

What is the median household income in Swansea Heads?

At the 2021 ABS Census, median household income in Swansea Heads was $108,316 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 Swansea Heads?

There are too few current rental listings in Swansea Heads for a reliable median. At the 2021 ABS Census the median weekly rent was $380, across all dwelling types.

What is the median age in Swansea Heads?

The median age of residents in Swansea Heads was 46 at the 2021 ABS Census.

Is Swansea Heads walkable?

Swansea Heads scores 28/100 on the SuburbScan Walkability Score, making it 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 Swansea Heads?

The nearest government air-quality monitoring station to Swansea Heads (Morisset) recorded a 2025 annual mean PM2.5 of 5.0 µg/m³ and PM10 of 11.6 µg/m³. That puts Swansea Heads below the WHO annual guideline of 5 µg/m³.

What is the weather like in Swansea Heads?

At the nearest Bureau of Meteorology station to Swansea Heads, Norah Head AWS (22.3 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 Swansea Heads?

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 Swansea Heads belong to?

Swansea Heads 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 Swansea Heads?

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 Swansea Heads?

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 Swansea Heads in?

Swansea Heads sits within the federal Division of Shortland, currently held by Pat Conroy (Australian Labor Party).

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