Median price trend for houses
Based on 9 sales in the preceding 12 months
$630,000
Up 27.3% over 12 months
- 2 bed
- $650k
Aerial view
Imagery © Esri
The quick read on
Spencer
NSW 2775 · Central Coast (NSW)
What homes cost, how rents have moved, and a feel for the people who call it home.
- Median house
- $630,000
- Population
- 288
- Postcode
- 2775
latest suburb median
ABS 2021
Spencer, New South Wales
Property market insights for Spencer
Median sale price and rental income of properties in Spencer NSW
Median rent trend for houses
Based on 3 rental listings in the preceding 12 months
$625 per week
Up 19.0% over 12 months
Market data updated October 2026.
The median house price in Spencer, NSW is currently $630,000, based on the latest 12 months of sales. Spencer has a 12-month growth rate of 27.3% for houses.
Two-bedroom houses have a median sale price of $650,000 in Spencer.
If you're looking to lease, the median rent for houses in Spencer is $625 per week. The median house rent has increased 19.0% over the last 12 months.
Crime and safety
Is Spencer safe?
The overall rate for Spencer is 2,281 offences per 100,000 residents — 34% below the Greater Sydney 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 Spencer.
Overall crime rate
2,281
offences per 100,000 residents
34% belowGreater Sydney
SpencerGreater Sydney: 3,437
Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.
The people behind the postcode
Who lives in Spencer?
Spencer NSW 2775 is in New South Wales, within Greater Sydney.
288 people call Spencer home, with an average of 2 people per household and a median household income of $913 a week.
Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.
- Population
- 288
- Median age
- 52 years
- Median mortgage
- $1,395 / month
- 2021 household rent
- $295 / week
Above the benchmarkBelow the benchmarkIn lineGreater Sydney benchmark
Age profile
Share of residents in each age band.
Under 1511.5%Below
15–3417.4%Below
35–5431.6%Above
55–7434.7%Above
75 and over7.6%Above
Homes
Share of occupied private dwellings.
Separate houses96.1%Above
Townhouses0.0%Below
Apartments0.0%Below
Ownership
Share of homes with a stated ownership or rental status.
Owned outright49.6%Above
Paying a mortgage45.6%Above
Renting4.8%Below
Cars at home
Vehicles available to occupied households.
No car3.4%Below
One car38.7%Below
Two cars37.8%Above
Three or more23.5%Above
Getting to work
Selected ways residents worked or travelled on Census day.
Worked from home12.5%Below
Drove to work59.8%Above
Train, tram or bus0.0%Below
Walked or cycled5.4%Above
What stands out in Spencer
12.5% of workers in Spencer worked from home on Census day — about half the rate across Greater Sydney.
4.9% of Spencer residents were born in New Zealand, about twice the rate across Greater Sydney.
50.7% of people in Spencer described themselves as having no religion in the 2021 Census.
A closer look at the Census
Questions people ask about Spencer
Open any question for a plain-English reading of the public 2021 Census for Spencer NSW 2775.
Is Spencer family-friendly?Age, family structure and household size describe the community families would be joining.
11.5% of Spencer's residents were children under 15 in the 2021 Census. That is well below the Greater Sydney average.
64 family households lived in Spencer; 37.5% were couple families and 10.9% were one-parent families.
32.8% of local families included children under 15. That is well below the Greater Sydney average.
These are suburb-wide household figures, not school or childcare ratings.
What is the age profile of Spencer?The balance between younger adults, families and older residents changes how a suburb feels day to day.
Spencer had 288 residents at the 2021 Census.
19.1% of residents were aged 25 to 44.
42.4% were 55 or older. That is well above the Greater Sydney average.
Age shares use the suburb’s total Census population.
What kind of homes are in Spencer?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.
Separate houses made up 96.1% of occupied private dwellings in Spencer.
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 Spencer?Tenure shows how many households own outright, have a mortgage or rent.
49.6% of households with a stated tenure owned their home outright. That is well above the Greater Sydney average.
45.6% were buying their home with a mortgage.
4.8% rented their home. That is about half the Greater Sydney rate.
Tenure shares include households that stated one of these three arrangements.
How large are households in Spencer?Household-size data shows the mix behind the suburb-wide average.
The average household in Spencer had 2.0 people.
One-person households made up 43.5% of occupied homes. That is about twice the Greater Sydney rate.
Two-person households represented 29.0%, while 11.5% had four or more usual residents.
Household size counts usual residents in occupied homes.
How do people get to work in Spencer?Census-day travel shows the balance between home, road, public transport and active travel.
12.5% of workers worked from home on Census day. That is about half the Greater Sydney rate.
59.8% drove a car as their only travel method. That is well above the Greater Sydney average.
0.0% used only a train, tram or bus, while 5.4% walked or cycled.
Travel figures are a 2021 Census-day snapshot.
How many cars do households have in Spencer?Vehicle availability helps describe the routines local households can support.
3.4% of occupied households had no motor vehicle available. That is about half the Greater Sydney rate.
One-car households formed 38.7% of the total.
61.3% of households had two or more vehicles.
Vehicle counts refer to occupied households, not individual residents.
Who's moving to Spencer, and who stays?Address history shows how settled or recently mobile residents were at the Census date.
62.2% were at the same address five years earlier, while 37.8% reported a different address.
14.2% of residents were born outside Australia. That is about half the Greater Sydney rate.
Mobility figures cover residents who answered the relevant Census question.
What languages are spoken in Spencer?Language at home gives a direct view of the community’s everyday linguistic mix.
87.8% of residents used only English at home.
2.8% used a language other than English at home.
1.7% spoke Mandarin at home, 0.0% spoke Cantonese and 0.0% spoke Hindi.
Home language is separate from English proficiency.
Where were Spencer residents born?Birthplace adds another layer to the local story, separate from ancestry and language.
14.2% of Spencer's population was born outside Australia, while roughly 85.8% was born in Australia.
1.7% of residents were born in China.
0.0% were born in India, while Australian citizenship across the whole suburb stood at 84.4%.
Birthplace, citizenship and ancestry describe different parts of identity.
What ancestries shape Spencer?Ancestry responses show how residents describe family and cultural background.
English ancestry accounted for 43.1% of ancestry responses in Spencer.
Australian ancestry made up 36.1% of responses.
Chinese ancestry represented 1.4% of responses.
People may nominate more than one ancestry, so these are shares of responses.
What work do people do in Spencer?Occupation describes a person’s role; industry describes the sector employing them.
16.1% of employed residents worked in professional occupations. That is about half the Greater Sydney rate.
Managers accounted for 10.7% of employed residents, while clerical and administrative workers made up 8.0%.
Health care and social assistance employed 19.6% of workers, and education and training employed 2.7%.
Occupation and industry figures describe employed residents of the suburb.
How active is the workforce in Spencer?Participation, employment pattern and unemployment describe the resident labour force.
The labour-force participation rate was 48.2%, compared with 60.0% across Greater Sydney.
19.5% of residents aged 15 and over worked full time, while 18.3% worked part time.
Unemployment was 8.9%, compared with 5.1% across Greater Sydney.
Labour-force figures come from the 2021 Census.
What does the health profile of Spencer show?Selected long-term health conditions help describe community service needs.
47.6% reported no selected long-term health condition.
15.3% reported a long-term mental health condition, including depression or anxiety.
12.2% reported asthma, 13.9% arthritis and 4.9% diabetes excluding gestational diabetes.
These are self-reported suburb-wide Census figures, not address-level health risks.
How educated is Spencer?Qualifications describe the study pathways represented among local residents.
9.6% of people in the qualifications table held a bachelor degree. That is about half the Greater Sydney rate.
Postgraduate degrees accounted for 2.6% of qualification responses.
Diploma-level qualifications represented 12.2%, while certificate-level qualifications represented 36.5%.
Qualification categories are reported separately and are not school ratings.
What do incomes and housing costs look like in Spencer?Census income and household payments give historical context for local living costs.
Median household income was $913 per week in the 2021 Census.
The median monthly mortgage repayment reported by local households was $1,395.
Occupied renting households reported a median rent of $295 per week.
These household figures are from 2021; current sale and asking-rent medians appear in the market section.
How does Spencer compare with Greater Sydney?A few clear differences place the suburb in its wider metropolitan context.
Working from home was 12.5% in Spencer, compared with 38.9% across Greater Sydney.
Outright ownership was 49.6% locally and 28.6% across Greater Sydney. That is well above the Greater Sydney average.
Renting accounted for 4.8% in Spencer, against 37.1% across Greater Sydney.
Capital-region comparisons use the same Census definitions and year.
Three useful questions
A buyer’s quick guide to Spencer
Is Spencer expensive?
The median house price is $630,000. Bedroom count, land and condition still create a wide range around those suburb medians.
Is Spencer good for families?
The Census counted 64 local families, and 11.5% 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 Spencer?
2-bedroom houses have a median around $650,000, 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 Spencer
6 streets in Spencer
Street-by-street reports are not published yet. The streets below are the ones this suburb covers.
- Biara Rd
- Collington Rd
- Ingoola Rd
- Lavender Cr
- Mooga Ave
- Wisemans Ferry Rd
12 suburbs surrounding Spencer
Compare nearby suburb prices, rents and five-year market trends.
Keep exploring
Is Spencer 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.