Considering Umina Beach? This page brings together 17 data cards on what it’s like to live there, what the catchments and amenities are, and where the suburb is heading. The analysis covers safety, family fit, financial picture, and lifestyle.
Is Umina Beach a good suburb to buy in 2026?
Umina Beach (2257) scores a Stickybeak Grade across safety, family fit, financial picture, and lifestyle. Scroll down for the full 17-card analysis, or use the section navigation to jump to what matters most.
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98 min
91 min
112 min
87 min
119 min
Approximate off-peak driving times: straight-line distance × a Sydney detour factor at 35 km/h. Real road times will vary. Saved on this device.
The verdict
Who it is for
Umina Beach suits buyers who prioritise space and a quieter coastal pace over urban convenience, and who can absorb a longer commute. The suburb is predominantly separate houses at 77%, with a median household income of $1,421 per week and an owner-occupancy rate of 64%. If you are a mid-career couple or family comfortable driving for daily needs, and the Central Coast lifestyle is the point, this is the profile the suburb fits best.
Who would not love it
The walkability score sits at the 6th percentile, and within 1.6 kilometres there are no supermarkets, no medical services, and no gyms. That is a genuine daily-life constraint, not a minor inconvenience. Add to that a bushfire-prone land figure of 72% across the postcode, a SEIFA disadvantage decile of 4 out of 10, and Stickybeak composite and lifestyle grades of C- and D+ respectively. Buyers who need walkable amenity or face meaningful bushfire insurance costs should look elsewhere.
What to verify before you bid
- Get a bushfire attack level (BAL) assessment on any specific property, given 72% of the postcode is bushfire-prone land. This will directly affect insurance premiums and building requirements. - Confirm the nearest supermarket and GP location by car, and factor that commute into your weekly routine before committing. - Check the ICSEA score of 1018 against the specific school your children would attend, as the mean masks variation across the four primary schools in the postcode.
Refreshed fortnightly; last refresh 12 May 2026. Verify any specific fact against its source card below.
SAFETY
Will I feel safe and comfortable in Umina Beach?
BOCSAR · UMINA BEACH 2257
Recorded incidents reported to police
12-month rolling total at suburb level, indexed against Greater Sydney.
RATE PER 100K5,42812 mo to Dec 2025
VS GREATER SYDNEY−32%Below Sydney average
5-YR TREND (LGA)Central Coast
Within LGA: Central Coast
TOP OFFENCE CATEGORIES
THEFT50%277 reports
ASSAULT26%147 reports
AGAINST JUSTICE PROCEDURES24%133 reports
ASSAULT SPLIT (DOMESTIC VS NON-DOMESTIC)
DOMESTIC VIOLENCE FLAGGED60%
NON-DOMESTIC40%
Across 146 assault reports in this window.
DV-flagged assault has risen statewide as reporting has improved. Compare with caution to suburbs whose population has changed materially.
BOCSAR Recorded Criminal Incidents · Updated March 2026 · CC BY 4.0
Median weekly rent from lodged bonds. Sep 2025. Based on 33 new bond lodgements this quarter.
Rents here sit around the Sydney middle. A balance of rental stock and owner-occupier demand.
Median weekly rent · Unit · 2 bed
$500per week
Sep 2025 · 33 bonds lodged
Quarterly trend · last 12 quarters
Nearby suburbs · same combination
Palm Beach2108
$880▲$380
9.6 km away
Gosford2250
$580▲$80
10.8 km away
Avalon Beach2107
$695▲$195
12.2 km away
Terrigal2260
$635▲$135
13.2 km away
NSW DCJ Rental Bond Board↗ · Sep 2025 · CC BY. Cells with 10 or fewer bond lodgements are suppressed; cells with 30 or fewer have the bond count suppressed but rent published. Figures are transacted rents, not asking rents.
DEVELOPMENT PIPELINE · NSW PLANNING PORTAL · 2257
What’s in the pipeline
NSW Planning Portal feed paused at the source for postcode 2257. Expected back by Q3 2026.
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Compare Umina Beach with another suburb
Also in Central Coast
Comparing suburbs in the same area can sharpen your decision. Browse suburb insights for other Central Coast postcodes, or explore the full Central Coast suburb index.
Umina Beach is the primary suburb with postcode 2257 in New South Wales. In some cases multiple suburbs share the same postcode — Umina Beach is the main locality.
Which local government area is Umina Beach in?
Umina Beach (2257) is located in the Central Coast local government area in New South Wales.
What data does Stickybeak show for Umina Beach?
Stickybeak shows 16 data cards for Umina Beach (2257) covering affordability (median sale prices, rental yield, first home buyer eligibility), lifestyle (schools, childcare, walkability, commute times), risk factors (flood zones, bushfire prone land, air quality, traffic volume), and suburb growth signals (development pipeline, price trajectory, demographics).
Is Umina Beach flood prone?
Flood risk varies street by street in Umina Beach. Check the Dealbreakers section on this page for the latest NSW flood zone mapping sourced from official state government data. Always verify at the property level with a Section 10.7 certificate before purchasing.
What are the best schools near Umina Beach?
The Schools card on this page lists primary and secondary schools within the catchment area for Umina Beach (2257), including their NAPLAN performance data and distance from the suburb centre.
Is Umina Beach (2257) eligible for the First Home Buyer scheme?
The First Home Buyer eligibility card on this page shows which NSW and federal government schemes — including the First Home Guarantee, stamp duty exemptions, and the First Home Super Saver scheme — apply to purchases in Umina Beach (2257). Eligibility depends on the purchase price and your individual circumstances.
How is Umina Beach changing?
The Change section on this page covers new housing supply from the development pipeline, historical price trajectory, and demographic shifts for Umina Beach (2257) using data from NSW Planning, the ATO, and the ABS.
