Cudgen vs Umina
Property investment comparison - Cudgen, NSW 2487 vs Umina, NSW 2257
Head-to-head across core investment metrics: Cudgen wins 1, Umina wins 3. The better choice depends on whether you're optimising for cash flow, growth, affordability, or liquidity, the table below highlights the winner on each metric.
| Metric | Cudgen | Umina |
|---|---|---|
| Median house price | $1.3M | $1.3M |
| Median unit price | - | $880K |
| Gross rental yield (houses) | 4.92% | 2.65% |
| Gross rental yield (units) | - | 3.23% |
| 1-year house growth | +7.2%estimate | +10.7% |
| 3-year house growth | - | - |
| Vacancy rate | 3.4% | 1.5% |
| Population | 952 | 22,140 |
Cudgen vs Umina: what the numbers say
The median house price is $1.3M in Cudgen and $1.3M in Umina, so Umina is the cheaper entry point.
On cash flow, Cudgen leads: houses there return a gross rental yield of 4.92%, compared with 2.65% in Umina, a gap of 2.27 percentage points.
Over the past year house prices moved +7.2% in Cudgen (an estimate) and +10.7% in Umina, so recent momentum favours Umina, although both suburbs recorded growth.
Rental vacancy is 1.5% in Umina and 3.4% in Cudgen, so landlords in Umina face less competition for tenants. Anything under 2% is generally read as a tight market where tenants compete for homes.
Umina is the bigger suburb, with a population of 22,140 against 952, roughly 23 times the size of Cudgen; a larger suburb usually means a deeper pool of buyers and tenants.
In short: Cudgen for rental income, Umina for a lower purchase price, Umina for recent price momentum, Umina for the tighter rental market. Which matters more depends on whether the investor is buying for cash flow, capital growth or affordability.
Keep exploring
- National investment guide - top suburbs across every metric
- Take the suburb finder quiz - 5 questions to match your goals
- How our investment score works
- Property investment glossary - every term defined
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