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Eden

NSW 2551LGA: Bega Valley Shire

Investment Score

72

/100

AI Intelligence Summary

Eden is a picturesque coastal town located on the far south coast of NSW within the Bega Valley Shire. With a population of approximately 3,200, this maritime community is renowned for its rich whaling history, pristine natural environment, and strong fishing industry heritage. The town features the famous Eden Killer Whale Museum and serves as a gateway to Ben Boyd National Park. Eden's property market is characterized by older housing stock, holiday homes, and limited supply due to geographic constraints. The demographic profile shows an aging population with a median age higher than the NSW average, reflecting both the town's appeal to retirees and the outmigration of younger residents seeking employment opportunities. The local economy relies heavily on tourism, fishing, and forestry, with the recent development of cruise ship facilities at Eden Port providing new economic opportunities. While the town offers exceptional natural amenities including pristine beaches, national parks, and marine activities, it faces challenges with limited employment diversity, aging infrastructure, and seasonal economic fluctuations. The property market shows moderate growth potential driven by coastal lifestyle appeal and tourism demand, though constrained by limited development opportunities.

Strengths

  • Stunning coastal location with pristine beaches and marine environment
  • Rich maritime heritage and cultural attractions including Killer Whale Museum
  • Gateway to Ben Boyd National Park and exceptional natural amenities
  • Developing cruise ship port infrastructure creating tourism opportunities

Opportunities

  • Cruise ship port development attracting increased tourism
  • Growing demand for coastal lifestyle and sea-change destinations
  • Potential for eco-tourism and marine-based activities expansion
  • Government infrastructure investments in regional NSW

Considerations

  • Limited employment opportunities and economic diversity
  • Aging population and outmigration of younger residents
  • Seasonal economic fluctuations dependent on tourism
  • Limited retail, dining, and entertainment options

Property Market

Median House

$485K

+4.2% 1yr

Median Unit

$385K

+3.8% 1yr

Rent (House)

$450/wk

Rent (Unit)

$385/wk

Days on Market

68

Vacancy Rate

3.2%

Auction Clearance

62.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+32.8%
Unit+3.8%+16.2%+28.5%

Rental Yields

House Yield

4.8%

Unit Yield

5.2%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score75/100
Risk Score (lower = safer)62/100
Affordability Index72/100

Demand/Supply Ratio: 1.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Eden at median house price

Standard transfer
$16,355
First Home Buyer
Exempt

Save $16,355

Foreign buyer surcharge
$38,800

+8% surcharge

Annual rent income
$23,400

$450/wk

Interest (80% LVR @ 6.5%)
-$25,220
Other expenses (~2.5%)
-$12,125
Net rental position
-$13,945

Negatively geared

Tax benefit (39% MTR)
+$5,439

Reduces taxable income

After-tax holding cost
$8,506/yr

~$164/week

Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$666,366
Capital gain
$162,586
After discount
$81,293
CGT payable
$31,704

10-Year Hold

Est. value
$915,554
Capital gain
$411,774
After discount
$205,887
CGT payable
$80,296

Investor Quick Summary

Entry cost (stamp duty)

$16,355

After-tax yield

2.93%

Weekly holding cost

$164/wk

10yr CGT (est.)

$80,296

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

Population

3,200

Median Age

52

Median Income

$52K

per annum

Family Households

58.0%

Professionals

28.0%

University Educated

18.0%

Unemployment

6.8%

Born Overseas

15.0%

Dwelling Mix

Houses: 72%Units: 25%Townhouses: 3%Total: 1,850

Lifestyle & Community

Walkability65/100
Public Transport3/10
Schools Rating6/10
Safety8/10
Family Friendly7/10
Cafes & Restaurants

12

Parks

8

0
Distance to CBD

478.0 km

Nearest Station: No passenger rail service

Coastal lifestyle focused on marine activities, fishing, boating, national park access, and heritage tourism. Limited nightlife and entertainment options but strong community events and festivals.

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Data sourced from multiple sources. Last updated 26 March 2026.

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