Umina Beach, NSW
OVERVALUED8,565 sales · 25 years of data · NSW, Australia
Umina Beach, NSW Property Market Overview
Umina Beach, located on the Central Coast of New South Wales, presents a diverse property market with a blend of houses and apartments. With 25 years of recorded sales data, a total of 8,565 properties have changed hands in Umina Beach. The current median property price (all types) sits at $1,150,000, reflecting the suburb's growing appeal.
Umina Beach is notable for its coastal lifestyle, family-friendly environment, and proximity to both the Central Coast's natural attractions and convenient access to Sydney. The suburb's property market caters to a range of buyers, as evidenced by the differing median prices for houses ($1,230,000) and apartments ($890,000). This blend makes Umina Beach an interesting area to analyse within the broader NSW property landscape.
Property Mix
Data You Can Trust
Every figure backed by NSW government sale records
What Subscribers See
A preview of the full analysis available for Umina Beach
Top streets in Umina Beach, NSW by median sale price
See which streets command the highest prices and how many sales back each ranking.
| # | Street | Median Price |
|---|---|---|
| 1 | Onthonna Tce | $1,550,000 |
| 2 | Melbourne Ave | $1,515,000 |
| 3 | The Esplanade | $5,925,000 |
| 4 | Cambridge St | $1,725,000 |
... and 150 more streets available
Subscribers also see:
- Street price per m² analysis
- Street annual growth rates (CAGR)
- Premium vs discount % comparison
Streets by price per square metre
Compare land and building value across streets — essential for finding underpriced pockets.
| # | Street | Median $/m² |
|---|---|---|
| 1 | West St | $5,097/m² |
| 2 | Cambridge St | $3,453/m² |
| 3 | Sydney Ave | $3,620/m² |
| 4 | Bathurst St | $4,690/m² |
... and more $/m² rankings
View full $/m² data →Fastest growing streets by median price
10-year compound annual growth rate (CAGR) by street — see which streets are outperforming the suburb.
| # | Street | 10yr CAGR |
|---|---|---|
| 1 | Birdwood Ave | +10.6% |
| 2 | Calypta Rd | +9.8% |
| 3 | Albany Rd | +12.2% |
| 4 | Osborne Ave | +10.0% |
... and more street growth rates
See all growth rates →Past growth rates are not indicative of future performance. This data is for informational purposes only.
Building-by-building comparison
| # | Address | Median |
|---|---|---|
| 1 | 3 Morris St | $1,250,000 |
| 2 | 37 Paul St | $1,046,250 |
| 3 | 105 Karingi St | $1,280,000 |
... and 33 more buildings
Compare individual buildings by price per sqm, median unit price, and sales volume. Identify which buildings are gaining or losing value relative to the suburb average.
View full building data →Flipper risk & hold period analysis
Properties resold within 2 years may signal problems — structural issues, noisy locations, or overpayment. See hold period distribution and flagged streets.
See flipper risk data →Settlement times & problem streets
Extended settlement times can indicate building defects, financing difficulties, or legal issues. See which streets have the longest settlement periods.
See settlement data →Density & development tracking
Track which streets are converting from houses to apartments. Understand how density is changing the suburb's character and property values over time.
See density trends →Unlock the full Umina Beach analysis
154 streets and 37 buildings to explore
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Umina Beach at a Glance
Umina Beach, NSW
Map data © OpenStreetMap contributors
Local Amenities
Living in Umina Beach, NSW
Living in Umina Beach offers a quintessential coastal lifestyle. The suburb is known for its beautiful beach, popular with families and surfers alike. Umina Beach Public School serves the local community, providing education for young children.
Residents enjoy convenient access to Umina Beach shopping centre, providing essential amenities and retail options. For recreation, Peninsula Leisure Centre offers swimming and fitness facilities. Parks like McEvoy Oval provide green spaces for outdoor activities. The vibe in Umina Beach is relaxed and community-oriented, making it an attractive place to live. Woy Woy train station is a short drive away, connecting residents to Sydney and other parts of the Central Coast.
Who Buys in Umina Beach?
Umina Beach attracts a diverse range of buyers. The relatively high median house price of $1,230,000 suggests the area appeals to established families and those seeking larger homes. The presence of apartments, representing 19.6% of properties, with a median price of $890,000, also caters to first home buyers, downsizers, and investors. The historical growth rates, with a 10-year CAGR of 7.6%, may also attract investors looking for long-term capital appreciation. The coastal lifestyle and family-friendly environment further contribute to Umina Beach's broad appeal.
Market Analysis
As of early 2026, Umina Beach finds itself above its long-term trend, indicating the market is currently in overvalued territory. This cycle position suggests that property values in Umina Beach have experienced significant growth recently, potentially exceeding the suburb's historical average.
Understanding this cycle position is crucial for anyone looking at the Umina Beach property market. While historical performance is not indicative of future results, the current market conditions may influence buying and selling decisions.
Is Umina Beach a Good Investment?
Umina Beach has demonstrated strong historical growth, evidenced by its 10-year CAGR of 7.6% and full-period CAGR of 6.9%. These figures illustrate the suburb's consistent performance over the past decade and longer. Factors contributing to this growth likely include its desirable coastal location, proximity to Sydney, and family-friendly amenities.
As of early 2026, the Umina Beach property market is positioned above its long-term trend. While past performance is not indicative of future results, the current market conditions reflect strong demand and increasing property values in Umina Beach.
Umina Beach Market Outlook
As of early 2026, Umina Beach's property market is currently above its long-term trend, indicating that it is in overvalued territory. Recent price trends have shown continued growth, reflecting the suburb's enduring popularity and desirable location. While market conditions can change, Umina Beach remains a sought-after destination for both residents and investors on the Central Coast.
Streets & Location in Umina Beach, NSW
Umina Beach, postcode 2257, boasts a prime coastal location. The suburb is characterised by a mix of residential areas, with some streets commanding higher median prices than others. Notably, Cambridge St, The Esplanade, and Birdwood Ave are among the top streets in Umina Beach based on median property prices. With a total of 154 streets, Umina Beach offers a variety of locations and property types for potential residents and investors.
Market Dynamics
The Umina Beach property market demonstrates a steady flow of transactions. On average, property settlements in Umina Beach take approximately 47 days. This timeframe reflects the typical due diligence and legal processes involved in property sales. Analysing settlement days can provide insights into market efficiency and demand within Umina Beach.
Development & Density
Umina Beach features a mix of housing types, ranging from detached houses to apartment buildings. The suburb is home to 37 apartment buildings, contributing to the overall housing density. The 19.6% of properties that are strata-titled indicates a growing trend towards apartment living in Umina Beach, while the remaining proportion of houses provides a balance for those seeking more traditional housing options. Development density plays a crucial role in shaping the character and affordability of Umina Beach.
Growth & Property Mix
Umina Beach has demonstrated consistent growth over the long term. Over the past 10 years, the suburb has seen a Compound Annual Growth Rate (CAGR) of 7.6%. Looking back further, the 20-year CAGR stands at 6.0%, while the full-period CAGR (25 years) is 6.9%. The property mix in Umina Beach includes a significant proportion of houses, but also a notable percentage (19.6%) of strata-titled apartments, influencing overall investment dynamics.
All data on this page is sourced from NSW government property sale records. Market analysis, cycle positions, growth rates, and all other metrics are provided for informational purposes only and do not constitute financial, investment, legal, or property advice. Always seek independent professional advice before making any property or financial decisions.
This information is based on historical sales data and does not constitute financial, investment, or property advice. Past performance is not indicative of future results. Always consult a qualified professional before making property decisions.