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). 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
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.
Interested in Wellington?
Get a personalised buyer brief with AI-powered property intelligence for this suburb.
Data sourced from multiple sources. Last updated 29 March 2026.