Wellington
Investment Score
75
/100
AI Intelligence Summary
Wellington is a historic rural town in the Central West region of NSW, located 360km northwest of Sydney. With a population of 5,200 and median age of 42 years, it serves as a regional service center for surrounding agricultural areas. The town features a strong community spirit, rich heritage including the famous Wellington Caves, and affordable housing with median house prices around $285,000. The local economy is supported by agriculture, government services, and tourism, with Wellington Hospital providing regional healthcare. The property market offers excellent rental yields of 6.2% for houses, making it attractive for investors. Transport connectivity includes the Main Western railway line and Mitchell Highway access. While employment opportunities are somewhat limited, the town offers a peaceful lifestyle with good schools, low crime rates, and strong family-friendly amenities. The annual Wellington Boot Festival and various sporting clubs contribute to an active community life, though residents are heavily car-dependent due to limited public transport options.
Strengths
- •Highly affordable property market with strong rental yields
- •Rich heritage and tourist attractions including Wellington Caves
- •Strong community spirit and family-friendly environment
- •Railway connectivity to Sydney and western NSW
Opportunities
- •Growing regional tourism sector around heritage attractions
- •Potential for agribusiness and value-adding industries
- •NBN infrastructure supporting remote work opportunities
- •Possible population growth from tree/sea change migration
Considerations
- •Limited employment opportunities outside agriculture and government
- •High car dependency with minimal public transport
- •Distance from major urban centers limits amenities
- •Aging population trend typical of rural areas
Property Market
$385K
+4.2% 1yr
$245K
+3.8% 1yr
$245K
$420/wk
$295/wk
68
2.1%
65.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +12.8% | +24.5% |
| Unit | +3.8% | +10.5% | +18.2% |
Rental Yields
House Yield
5.8%
Unit Yield
6.2%
Townhouse Yield
6.5%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Wellington at median house price
Save $11,855
+8% surcharge
$420/wk
Negatively geared
Reduces taxable income
~$92/week
Based on 4.9% 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)
$11,855
After-tax yield
3.54%
Weekly holding cost
$92/wk
10yr CGT (est.)
$43,367
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).
Demographics
4,850
42
$58K
per annum
62.0%
28.0%
22.0%
5.2%
18.0%
Dwelling Mix
Lifestyle & Community
12
8
1
362.0 km
Nearest Station: Wellington Railway Station
Relaxed rural lifestyle with heritage attractions, outdoor recreation, community events, and strong sporting culture centered around rugby league, cricket, and tennis clubs.
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Data sourced from multiple sources. Last updated 11 April 2026.