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Gloucester

NSW 2422LGA: MidCoast Council

Investment Score

72

/100

AI Intelligence Summary

Gloucester is a rural town in the Manning Valley region of NSW, located approximately 300km north of Sydney and 100km northwest of Taree. This charming agricultural community serves as a service center for the surrounding farming district, with a stable population of around 2,800 residents. The town offers an authentic rural lifestyle with access to natural attractions like Barrington Tops National Park, making it appealing to those seeking a quieter pace of life. Property values remain affordable compared to metropolitan areas, with the market dominated by established homes on larger blocks that attract tree-changers and retirees. The local economy is primarily driven by agriculture, with cattle farming and timber industries being significant contributors. Infrastructure includes basic amenities such as Gloucester Public School, Gloucester High School, local medical services, and essential retail outlets. While public transport options are limited and residents rely heavily on private vehicles, the town maintains a strong sense of community through agricultural shows and local events. The demographic profile shows an aging population with higher proportions of residents over 65, reflecting broader rural NSW trends. Investment opportunities exist for those seeking affordable entry points and steady rental yields, though growth potential may be limited by the town's remote location and economic dependence on primary industries.

Strengths

  • Affordable property prices compared to metropolitan areas
  • Access to natural attractions including Barrington Tops National Park
  • Strong rural community spirit and agricultural heritage
  • Larger block sizes offering space and privacy

Opportunities

  • Tourism development leveraging natural attractions
  • Rural lifestyle property market for tree-changers
  • Agricultural diversification and value-adding industries
  • Improved digital connectivity supporting remote work

Considerations

  • Limited public transport and heavy reliance on private vehicles
  • Aging population and potential demographic decline
  • Limited employment opportunities outside agriculture
  • Restricted retail and dining options

Property Market

Median House

$485K

+4.2% 1yr

Median Unit

$285K

+3.8% 1yr

Rent (House)

$450/wk

Rent (Unit)

$295/wk

Days on Market

65

Vacancy Rate

2.8%

Auction Clearance

62.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+32.8%
Unit+3.8%+15.2%+28.4%

Rental Yields

House Yield

4.8%

Unit Yield

5.4%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score75/100
Risk Score (lower = safer)65/100
Affordability Index78/100

Demand/Supply Ratio: 1.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Gloucester 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

2,800

Median Age

48

Median Income

$52K

per annum

Family Households

58.0%

Professionals

28.0%

University Educated

18.0%

Unemployment

6.2%

Born Overseas

15.0%

Dwelling Mix

Houses: 85%Units: 12%Townhouses: 3%Total: 1,250

Lifestyle & Community

Walkability45/100
Public Transport2/10
Schools Rating6/10
Safety8/10
Family Friendly7/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

300.0 km

Nearest Station: Taree Station

Rural lifestyle with access to natural attractions, outdoor recreation, agricultural shows, and community events fostering strong social bonds.

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

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