Yamba
Investment Score
75
/100
AI Intelligence Summary
Yamba is a picturesque coastal town in NSW's Clarence Valley, renowned for its pristine beaches, relaxed lifestyle, and strong community spirit. With a population of approximately 6,500, this former fishing village has evolved into a sought-after destination for sea-changers and retirees seeking coastal living without the premium prices of major metropolitan beaches. The town offers excellent recreational facilities including championship golf courses, world-class fishing, and beautiful beaches like Main Beach and Pippi Beach. Yamba's property market has experienced steady growth driven by limited land supply and increasing demand from both permanent residents and holiday home buyers. The community maintains a strong village atmosphere with local cafes, boutique shops, and regular markets. While employment opportunities are somewhat limited locally, the town's proximity to Grafton (13km) provides access to additional services and employment. Infrastructure includes basic amenities with ongoing upgrades, though public transport options remain limited. The area's natural beauty, recreational opportunities, and relaxed pace of life continue to attract buyers seeking an authentic coastal lifestyle.
Strengths
- •Prime coastal location with pristine beaches
- •Strong community atmosphere and village charm
- •Excellent recreational facilities including golf and fishing
- •Growing property values with limited supply
Opportunities
- •Continued sea-change migration driving demand
- •Tourism infrastructure development potential
- •Short-term rental investment opportunities
- •Infrastructure upgrades improving connectivity
Considerations
- •Limited employment opportunities locally
- •Restricted public transport options
- •Seasonal population fluctuations affecting services
- •Higher cost of living due to coastal location
Property Market
$750K
+8.5% 1yr
$580K
+7.2% 1yr
$600/wk
$480/wk
45
2.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +45.0% |
| Unit | +7.2% | +18.5% | +38.0% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Yamba at median house price
Save $28,280
+8% surcharge
$600/wk
Negatively geared
Reduces taxable income
~$311/week
Based on 9.0% 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)
$28,280
After-tax yield
2.56%
Weekly holding cost
$311/wk
10yr CGT (est.)
$193,731
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
6,500
52
$52K
per annum
58.0%
35.0%
25.0%
6.2%
18.0%
Dwelling Mix
Lifestyle & Community
18
8
650.0 km
Nearest Station: Grafton Railway Station
Beach-focused lifestyle with fishing, surfing, golf, and outdoor recreation. Seasonal festivals and community events strengthen social connections.
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Data sourced from multiple sources. Last updated 30 March 2026.