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Fairfield West vs Umina Beach

Property investment comparison - Fairfield West, NSW 2165 vs Umina Beach, NSW 2257

Head-to-head across core investment metrics: Fairfield West wins 2, Umina Beach wins 2. 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.

MetricFairfield WestUmina Beach
Median house price$1.3M$1.3M
Median unit price-$880K
Gross rental yield (houses)2.78%2.67%
Gross rental yield (units)5.00%-
1-year house growth+8.2%estimate+8.7%
3-year house growth--
Vacancy rate1.7%1.8%
Population12,98117,372

Fairfield West vs Umina Beach: what the numbers say

The median house price is $1.3M in Fairfield West and $1.3M in Umina Beach, so Umina Beach is the cheaper entry point.

On cash flow, Fairfield West leads: houses there return a gross rental yield of 2.78%, compared with 2.67% in Umina Beach, a gap of 0.11 percentage points.

Over the past year house prices moved +8.2% in Fairfield West (an estimate) and +8.7% in Umina Beach, so recent momentum favours Umina Beach, although both suburbs recorded growth.

Rental vacancy is 1.7% in Fairfield West and 1.8% in Umina Beach, so landlords in Fairfield West face less competition for tenants. Anything under 2% is generally read as a tight market where tenants compete for homes.

Umina Beach is the bigger suburb, with a population of 17,372 against 12,981, larger than Fairfield West; a larger suburb usually means a deeper pool of buyers and tenants.

In short: Fairfield West for rental income, Umina Beach for a lower purchase price, Umina Beach for recent price momentum, Fairfield West for the tighter rental market. Which matters more depends on whether the investor is buying for cash flow, capital growth or affordability.

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