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Maclean

NSW 2463LGA: Clarence Valley

Investment Score

72

/100

AI Intelligence Summary

Maclean is a charming riverside town in NSW's Northern Rivers region, serving as the administrative center of Clarence Valley Council. Located on the scenic Clarence River approximately 650km north of Sydney, this town of around 3,000 residents is renowned for its strong Scottish heritage, celebrated annually through the Highland Gathering festival. The community attracts retirees and lifestyle seekers drawn to its peaceful river setting, affordable housing, and relaxed pace of life. Property markets are driven by tree-change migration, with riverfront homes commanding premium prices while maintaining overall affordability compared to coastal alternatives. The town offers essential services including Maclean High School, medical facilities, and recreational amenities like golf courses and river activities. While geographically isolated from major centers, Maclean's position on the Pacific Highway provides reasonable connectivity. The local economy relies on agriculture, tourism, and government services, with limited employment diversity presenting challenges for younger demographics. Infrastructure includes NBN connectivity and essential services, though flood risk remains a consideration for some areas. The tight rental market reflects steady demand from both permanent residents and visitors exploring the region.

Strengths

  • Scenic Clarence River location with recreational boating and fishing
  • Strong community spirit and Scottish cultural heritage
  • Affordable housing market compared to coastal areas
  • Strategic location on Pacific Highway for regional connectivity

Opportunities

  • Growing tree-change migration trend
  • Tourism development leveraging Scottish heritage
  • Riverfront property development potential
  • Regional telecommuting growth with NBN infrastructure

Considerations

  • Limited employment opportunities and economic diversity
  • Flood risk in certain low-lying areas
  • Distance from major employment centers and services
  • Aging population demographics

Property Market

Median House

$485K

+6.2% 1yr

Median Unit

$320K

+5.8% 1yr

Rent (House)

$400/wk

Rent (Unit)

$320/wk

Days on Market

45

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+6.2%+18.5%+35.2%
Unit+5.8%+16.2%+32.1%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Investment Scorecard

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

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Maclean 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
$20,800

$400/wk

Interest (80% LVR @ 6.5%)
-$25,220
Other expenses (~2.5%)
-$12,125
Net rental position
-$16,545

Negatively geared

Tax benefit (39% MTR)
+$6,453

Reduces taxable income

After-tax holding cost
$10,092/yr

~$194/week

Based on 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$681,510
Capital gain
$177,730
After discount
$88,865
CGT payable
$34,657

10-Year Hold

Est. value
$957,641
Capital gain
$453,861
After discount
$226,931
CGT payable
$88,503

Investor Quick Summary

Entry cost (stamp duty)

$16,355

After-tax yield

2.56%

Weekly holding cost

$194/wk

10yr CGT (est.)

$88,503

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

48

Median Income

$52K

per annum

Family Households

58.0%

Professionals

32.0%

University Educated

22.0%

Unemployment

6.2%

Born Overseas

18.0%

Dwelling Mix

Houses: 82%Units: 15%Townhouses: 3%Total: 1,420

Lifestyle & Community

Walkability45/100
Public Transport3/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

650.0 km

Nearest Station: Casino Railway Station

Peaceful riverside living with recreational boating, fishing, golf, and community events

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Data sourced from multiple sources. Last updated 27 March 2026.

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