Median price trend for houses
Based on 8 sales in the preceding 12 months
$1,220,000
Up 40.2% over 12 months
- 3 bed
- $1.45m
- 4 bed
- $860k
Aerial view
Imagery © Esri
The quick read on
Silverwater (Lake Macquarie - NSW)
NSW 2264 · Lake Macquarie
What homes cost, how rents have moved, and a feel for the people who call it home.
- Median house
- $1,220,000
- Population
- 274
- Postcode
- 2264
latest suburb median
ABS 2021
Silverwater (Lake Macquarie - NSW), New South Wales
Property market insights for Silverwater (Lake Macquarie - NSW)
Median sale price and rental income of properties in Silverwater (Lake Macquarie - NSW) NSW
Median rent trend for houses
Based on 7 rental listings in the preceding 12 months
$575 per week
Down 16.4% over 12 months
Market data updated October 2026.
The median house price in Silverwater (Lake Macquarie - NSW), NSW is currently $1,220,000, based on the latest 12 months of sales. Silverwater (Lake Macquarie - NSW) has a 12-month growth rate of 40.2% for houses.
Three-bedroom houses have a median sale price of $1,450,000, Four-bedroom houses have a median sale price of $860,000 in Silverwater (Lake Macquarie - NSW).
If you're looking to lease, the median rent for houses in Silverwater (Lake Macquarie - NSW) is $575 per week. The median house rent has decreased 16.4% over the last 12 months.
The median rent for units and apartments in Silverwater (Lake Macquarie - NSW) is $450 per week and has increased 5.9% over the last 12 months.
Crime and safety
Is Silverwater (Lake Macquarie - NSW) safe?
The overall rate for Silverwater (Lake Macquarie - NSW) is 5,686 offences per 100,000 residents — 72% above the Rest of NSW benchmark.
That is the clearest suburb-wide answer. Open the detailed profile to see how the pattern changes across offence types and different parts of Silverwater (Lake Macquarie - NSW).
Overall crime rate
5,686
offences per 100,000 residents
72% aboveRest of NSW
Silverwater (Lake Macquarie - NSW)Rest of NSW: 3,298
Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.
The people behind the postcode
Who lives in Silverwater (Lake Macquarie - NSW)?
Silverwater (Lake Macquarie - NSW) NSW 2264 is in New South Wales, within Rest of NSW.
274 people call Silverwater (Lake Macquarie - NSW) home, with an average of 2.4 people per household and a median household income of $1,387 a week.
Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.
- Population
- 274
- Median age
- 51 years
- Median mortgage
- $1,625 / month
- 2021 household rent
- $380 / week
Above the benchmarkBelow the benchmarkIn lineRest of NSW benchmark
Age profile
Share of residents in each age band.
Under 1513.5%Below
15–3420.4%Below
35–5418.2%Below
55–7438.7%Above
75 and over13.1%Above
Homes
Share of occupied private dwellings.
Separate houses95.4%Above
Townhouses0.0%Below
Apartments0.0%Below
Ownership
Share of homes with a stated ownership or rental status.
Owned outright45.1%Above
Paying a mortgage31.0%Below
Renting23.9%Below
Cars at home
Vehicles available to occupied households.
No car0.0%Below
One car39.4%Above
Two cars36.5%Below
Three or more27.9%Above
Getting to work
Selected ways residents worked or travelled on Census day.
Worked from home14.7%Below
Drove to work66.7%Above
Train, tram or bus0.0%Below
Walked or cycled0.0%Below
What stands out in Silverwater (Lake Macquarie - NSW)
14.7% of workers in Silverwater (Lake Macquarie - NSW) worked from home on Census day.
2.9% of Silverwater (Lake Macquarie - NSW) residents were born in New Zealand, about twice the rate across Rest of NSW.
38.7% of people in Silverwater (Lake Macquarie - NSW) described themselves as having no religion in the 2021 Census.
A closer look at the Census
Questions people ask about Silverwater (Lake Macquarie - NSW)
Open any question for a plain-English reading of the public 2021 Census for Silverwater (Lake Macquarie - NSW) NSW 2264.
Is Silverwater (Lake Macquarie - NSW) family-friendly?Age, family structure and household size describe the community families would be joining.
13.5% of Silverwater (Lake Macquarie - NSW)'s residents were children under 15 in the 2021 Census. That is somewhat below the Rest of NSW average.
80 family households lived in Silverwater (Lake Macquarie - NSW); 26.3% were couple families and 21.3% were one-parent families.
17.5% of local families included children under 15. That is about half the Rest of NSW rate.
These are suburb-wide household figures, not school or childcare ratings.
What is the age profile of Silverwater (Lake Macquarie - NSW)?The balance between younger adults, families and older residents changes how a suburb feels day to day.
Silverwater (Lake Macquarie - NSW) had 274 residents at the 2021 Census.
17.5% of residents were aged 25 to 44.
51.8% were 55 or older. That is well above the Rest of NSW average.
Age shares use the suburb’s total Census population.
What kind of homes are in Silverwater (Lake Macquarie - NSW)?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.
Separate houses made up 95.4% of occupied private dwellings in Silverwater (Lake Macquarie - NSW).
Townhouses and other attached homes represented 0.0% of occupied private dwellings.
Flats and apartments accounted for 0.0% of occupied private dwellings.
All three shares use occupied private dwellings as the denominator.
Do people own or rent in Silverwater (Lake Macquarie - NSW)?Tenure shows how many households own outright, have a mortgage or rent.
45.1% of households with a stated tenure owned their home outright. That is somewhat above the Rest of NSW average.
31.0% were buying their home with a mortgage.
23.9% rented their home. That is somewhat below the Rest of NSW average.
Tenure shares include households that stated one of these three arrangements.
How large are households in Silverwater (Lake Macquarie - NSW)?Household-size data shows the mix behind the suburb-wide average.
The average household in Silverwater (Lake Macquarie - NSW) had 2.4 people.
One-person households made up 25.0% of occupied homes. That is somewhat below the Rest of NSW average.
Two-person households represented 40.4%, while 18.3% had four or more usual residents.
Household size counts usual residents in occupied homes.
How do people get to work in Silverwater (Lake Macquarie - NSW)?Census-day travel shows the balance between home, road, public transport and active travel.
14.7% of workers worked from home on Census day. That is close to the Rest of NSW average.
66.7% drove a car as their only travel method. That is well above the Rest of NSW average.
0.0% used only a train, tram or bus, while 0.0% walked or cycled.
Travel figures are a 2021 Census-day snapshot.
How many cars do households have in Silverwater (Lake Macquarie - NSW)?Vehicle availability helps describe the routines local households can support.
0.0% of occupied households had no motor vehicle available. That is about half the Rest of NSW rate.
One-car households formed 39.4% of the total.
64.4% of households had two or more vehicles.
Vehicle counts refer to occupied households, not individual residents.
Who's moving to Silverwater (Lake Macquarie - NSW), and who stays?Address history shows how settled or recently mobile residents were at the Census date.
58.4% were at the same address five years earlier, while 41.6% reported a different address.
9.5% of residents were born outside Australia. That is somewhat below the Rest of NSW average.
Mobility figures cover residents who answered the relevant Census question.
What languages are spoken in Silverwater (Lake Macquarie - NSW)?Language at home gives a direct view of the community’s everyday linguistic mix.
94.2% of residents used only English at home.
2.2% used a language other than English at home.
0.0% spoke Mandarin at home, 0.0% spoke Cantonese and 0.0% spoke Hindi.
Home language is separate from English proficiency.
Where were Silverwater (Lake Macquarie - NSW) residents born?Birthplace adds another layer to the local story, separate from ancestry and language.
9.5% of Silverwater (Lake Macquarie - NSW)'s population was born outside Australia, while roughly 90.5% was born in Australia.
0.0% of residents were born in China.
0.0% were born in India, while Australian citizenship across the whole suburb stood at 92.3%.
Birthplace, citizenship and ancestry describe different parts of identity.
What ancestries shape Silverwater (Lake Macquarie - NSW)?Ancestry responses show how residents describe family and cultural background.
English ancestry accounted for 48.2% of ancestry responses in Silverwater (Lake Macquarie - NSW).
Australian ancestry made up 46.7% of responses.
Chinese ancestry represented 0.0% of responses.
People may nominate more than one ancestry, so these are shares of responses.
What work do people do in Silverwater (Lake Macquarie - NSW)?Occupation describes a person’s role; industry describes the sector employing them.
14.7% of employed residents worked in professional occupations. That is somewhat below the Rest of NSW average.
Managers accounted for 7.8% of employed residents, while clerical and administrative workers made up 16.7%.
Health care and social assistance employed 18.6% of workers, and education and training employed 9.8%.
Occupation and industry figures describe employed residents of the suburb.
How active is the workforce in Silverwater (Lake Macquarie - NSW)?Participation, employment pattern and unemployment describe the resident labour force.
The labour-force participation rate was 47.7%, compared with 56.4% across Rest of NSW.
23.8% of residents aged 15 and over worked full time, while 16.3% worked part time.
Unemployment was 9.6%, compared with 4.6% across Rest of NSW.
Labour-force figures come from the 2021 Census.
What does the health profile of Silverwater (Lake Macquarie - NSW) show?Selected long-term health conditions help describe community service needs.
44.2% reported no selected long-term health condition.
16.8% reported a long-term mental health condition, including depression or anxiety.
13.1% reported asthma, 18.6% arthritis and 5.5% diabetes excluding gestational diabetes.
These are self-reported suburb-wide Census figures, not address-level health risks.
How educated is Silverwater (Lake Macquarie - NSW)?Qualifications describe the study pathways represented among local residents.
19.2% of people in the qualifications table held a bachelor degree. That is close to the Rest of NSW average.
Postgraduate degrees accounted for 7.3% of qualification responses.
Diploma-level qualifications represented 14.6%, while certificate-level qualifications represented 44.4%.
Qualification categories are reported separately and are not school ratings.
What do incomes and housing costs look like in Silverwater (Lake Macquarie - NSW)?Census income and household payments give historical context for local living costs.
Median household income was $1,387 per week in the 2021 Census.
The median monthly mortgage repayment reported by local households was $1,625.
Occupied renting households reported a median rent of $380 per week.
These household figures are from 2021; current sale and asking-rent medians appear in the market section.
How does Silverwater (Lake Macquarie - NSW) compare with Rest of NSW?A few clear differences place the suburb in its wider metropolitan context.
Working from home was 14.7% in Silverwater (Lake Macquarie - NSW), compared with 15.7% across Rest of NSW.
Outright ownership was 45.1% locally and 39.6% across Rest of NSW. That is somewhat above the Rest of NSW average.
Renting accounted for 23.9% in Silverwater (Lake Macquarie - NSW), against 27.9% across Rest of NSW.
Capital-region comparisons use the same Census definitions and year.
Three useful questions
A buyer’s quick guide to Silverwater (Lake Macquarie - NSW)
Is Silverwater (Lake Macquarie - NSW) expensive?
The median house price is $1,220,000. Bedroom count, land and condition still create a wide range around those suburb medians.
Is Silverwater (Lake Macquarie - NSW) good for families?
The Census counted 80 local families, and 13.5% of residents were under 15. That describes the community; school quality, travel times and the right fit for a particular family need separate research.
What can I get for $1.5m in Silverwater (Lake Macquarie - NSW)?
3-bedroom houses have a median around $1,450,000, the closest bedroom benchmark we hold to a $1.5m budget. Individual homes can differ substantially with block size, renovation and location.
Medians describe recorded market activity across the suburb; they are historical context, not a valuation or forecast for an individual home.
Explore the area
Streets and suburbs around Silverwater (Lake Macquarie - NSW)
6 streets in Silverwater (Lake Macquarie - NSW)
Street-by-street reports are not published yet. The streets below are the ones this suburb covers.
- Beach Rd
- Fishery Point Rd
- Langtree Cl
- Minton Cl
- Silverwater Rd
- Talbot Rd
12 suburbs surrounding Silverwater (Lake Macquarie - NSW)
Compare nearby suburb prices, rents and five-year market trends.
Keep exploring
Is Silverwater (Lake Macquarie - NSW) right for your search?
Use the finders to compare places and properties, or open the full report when you need the street, risk, schools and growth research.
Read the thinking
Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.