Coffs Harbour
Investment Score
76
/100
AI Intelligence Summary
Coffs Harbour is a major regional city on NSW's Mid North Coast, serving as a key tourism and service hub for the broader region. With a population of approximately 77,000, it combines coastal lifestyle with urban amenities, featuring the iconic Big Banana, pristine beaches, and Southern Cross University campus. The city attracts a diverse mix of residents including retirees drawn by the relaxed coastal lifestyle, young families seeking affordable housing compared to Sydney, and professionals working in tourism, healthcare, and education sectors. The property market has experienced significant growth since 2020, driven by sea change migration and limited land supply, though showing signs of stabilization. Strong rental demand comes from tourism workers, healthcare staff at Coffs Harbour Base Hospital, and university students. The completion of the Pacific Highway bypass has improved connectivity while Coffs Harbour Airport provides regional flight access. The area offers excellent recreational facilities including multiple golf courses, sporting venues, and proximity to national parks, making it attractive for both permanent residents and investors seeking coastal exposure with regional city amenities.
Strengths
- •Major regional hub with diverse economy spanning tourism, healthcare, education and retail
- •Pristine beaches and coastal lifestyle attracting sea change migrants
- •Southern Cross University campus providing education sector stability
- •Strong tourism industry creating consistent rental demand
Opportunities
- •Ongoing urban development projects expanding residential supply
- •Growing demand for regional lifestyle properties post-COVID
- •Potential for tourism infrastructure development
- •University expansion driving student accommodation demand
Considerations
- •Limited land supply constraining new housing development
- •Seasonal employment fluctuations due to tourism dependency
- •No passenger rail service limiting public transport options
- •Higher property prices due to coastal premium pricing
Property Market
$750K
+4.2% 1yr
$485K
+3.8% 1yr
$620K
$620/wk
$475/wk
45
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +28.5% | +45.8% |
| Unit | +3.8% | +25.2% | +38.4% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.6%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Coffs Harbour at median house price
Save $28,280
+8% surcharge
$620/wk
Negatively geared
Reduces taxable income
~$299/week
Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$28,280
After-tax yield
2.56%
Weekly holding cost
$299/wk
10yr CGT (est.)
$198,847
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). Individual circumstances vary. This is general information only and not personal financial advice. Consult your CPA before making investment decisions. Local Knowledge Pty Ltd — Registered Tax Agent.
Demographics
77,000
47
$62K
per annum
58.0%
38.0%
28.0%
6.2%
24.0%
Dwelling Mix
Lifestyle & Community
85
28
1
540.0 km
Nearest Station: No passenger rail service
Coastal lifestyle with year-round outdoor activities, cultural events, university atmosphere, and proximity to national parks and pristine beaches.
Interested in Coffs Harbour?
Get a personalised buyer brief with AI-powered property intelligence for this suburb.
Data sourced from multiple sources. Last updated 26 March 2026.