Woy Woy vs Umina Beach vs Ettalong Beach vs Booker Bay | July 3rd, 2025

https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-woy-woy-michael-daniels/

This comprehensive table provides an excellent tool for prospecting property buyers and investors, including those working with a Mortgage Broker on the Central Coast, to evaluate Woy Woy, Umina Beach, Ettalong Beach, and Booker Bay in a side-by-side comparison. At first glance, the data may seem overwhelming. Still, by reviewing it systematically from top to bottom, you’ll gain a clear and thorough understanding of these sought-after Central Coast suburbs. The data is sourced from trusted platforms like CoreLogic, Domain, and REA (realestate.com.au), the parent company of Mortgage Choice.

Woy Woy: Affordable and Investor-Friendly

Woy Woy stands out as the only suburb in this comparison with a median house price below $1 million, making it an attractive option for buyers seeking affordability on the Central Coast. This relative affordability likely contributes to its leading position in the “number of interested buyers per house,” averaging 45.25. While Woy Woy’s house price growth rate of 3.7% is modest, its impressive 11.1% asking rent growth rate and a solid rental yield of 3.4% make it a compelling choice for investors. As interest rates decline, Woy Woy could become a prime target for those seeking cash flow-neutral assets.

Umina Beach: The Largest and Most Stable Suburb

Umina Beach is the largest suburb on the Central Coast peninsula in terms of residential dwelling numbers. It also boasts the highest percentage of houses compared to units (75.77%) and owner-occupiers compared to tenants (68%). This stability results in an average house tenure of 23.07 years, reflecting a strong community foundation. Over the past 12 months, Umina Beach has seen a respectable median house price growth of 7.8% and an impressive 14% increase in median rents, likely driven by growing demand from Sydney buyers relocating to the Central Coast. 

Ettalong Beach: A Hotspot for Investors and Retirees

Ettalong Beach is a favourite among Sydney investors, retirees, and holiday home buyers seeking a coastal lifestyle on the Central Coast. Similar to Avoca Beach, Ettalong Beach has experienced double-digit house price growth of 13.5% and rental growth of 8.7% over the past year. The high demand for dwellings has led to a shift from free-standing houses to duplexes, units, townhouses, and multi-dwelling conversions, with strata dwellings now outnumbering houses. Properties in Ettalong Beach sell quickly, with houses averaging 43 days on the market and rentals leasing in just 21 days. Despite a rental yield of 2.7%, slightly below the Central Coast average of 2.8%, demand remains strong. A Mortgage Broker can help investors navigate financing for this dynamic market.

Booker Bay: Premium Waterfront Living

Booker Bay is a unique Central Coast suburb characterised by a high percentage of waterfront and waterview properties, contributing to its median house price of $1,512,500. Despite minimal price growth over the past year, Booker Bay has seen remarkable rent growth of 15.7%, likely a catch-up effect as rental yields remain at 2.7%. This makes it an intriguing option for investors seeking premium properties with strong rental potential. 

The Central Coast Peninsula: A Unique Market

The Central Coast peninsula, encompassing Woy Woy, Umina Beach, Ettalong Beach, and Booker Bay, differs significantly from other parts of the Central Coast due to its higher proportion of high-density dwellings and lower percentage of owner-occupied homes. This reflects the landlocked nature of the area, with no significant new land releases anticipated. However, demand remains robust, fueled by the convenience of the Southern train station’s access to Sydney. Properties in these suburbs, particularly houses, remain highly sought-after assets.

If you would like to talk with us about your property and mortgage plans, please call us at Mortgage Choice Central Coast or email us at michael.daniels@mortgagechoice.com.au or

philip.cooper@mortgagechoice.com.au.

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