Illawarra · 103 km to CBD

Shellharbour, NSW 2529

Family coastal growth centre south of Wollongong — tight vacancy, marina-led amenity uplift.

Median prices & market

Median house: $960k
Median unit: $640k
1-yr growth: +4.4%; blended dwellings
5-yr growth: +5.7%; p.a. (CAGR)
House yield: 3.5%; gross rental
Unit yield: 4.5%; gross rental
Vacancy: 1.2%; rental
Days on market: 30; median

What it costs to buy here

Based on a 20% deposit, an 30-year loan and the median price. Repayments use the 5.5% advertised owner-occupier rate; the income guide is stress-tested at the 8.5% assessment rate (rates dated 2026-06-01).

Scenario	House	Unit
Median price	$960,000	$640,000
20% deposit	$192,000	$128,000
Stamp duty	$37,729	$23,329
Upfront cash needed	$232,229	$153,829
Monthly repayment	$4,356	$2,904
Household income needed	$166,124	$128,215

First-home buyers may pay no NSW stamp duty below $800k (sliding concession to $1m): upfront cash could be as low as $224,683 (house) or $130,500 (unit). Check what you could claim in the first home buyer hub.

Plan your purchase in Shellharbour

See exactly how much you can borrow with the borrowing power calculator, model your duty in the stamp duty calculator, then build a stress-tested plan on the planner. Compare Shellharbour with other suburbs in explore.

Frequently asked questions

What is the median house price in Shellharbour?: The indicative median house price in Shellharbour, NSW 2529 is $960,000, with units around $640,000. Figures are dated 2026-06-01 and are general information, not a valuation.
How much deposit do I need to buy in Shellharbour?: A standard 20% deposit on the median house is $192,000. Adding stamp duty of $37,729 and about $2,500 in legal costs, you'd need roughly $232,229 in upfront cash — or $224,683 if you qualify for the first-home duty concession.
What income do I need to buy a house in Shellharbour?: To service an 80% loan on the median house, stress-tested at the 8.5% assessment rate plus indicative living costs, a household needs roughly $166,124 in gross income. The monthly repayment at the 5.5% advertised rate is about $4,356.
Are Shellharbour prices rising?: Over the past year the indicative blended dwelling growth was +4.4%, and the modelled house price trend is rising (+5.8% CAGR over the series). Past growth doesn't predict future returns.

Market figures dated 2026-06-01. See our methodology & sources for how each number is derived.

What it costs to buy here

Scenario	House	Unit
Median price	$960,000	$640,000
20% deposit	$192,000	$128,000
Stamp duty	$37,729	$23,329
Upfront cash needed	$232,229	$153,829
Monthly repayment	$4,356	$2,904
Household income needed	$166,124	$128,215

Frequently asked questions

What is the median house price in Shellharbour?

The indicative median house price in Shellharbour, NSW 2529 is $960,000, with units around $640,000. Figures are dated 2026-06-01 and are general information, not a valuation.

How much deposit do I need to buy in Shellharbour?

A standard 20% deposit on the median house is $192,000. Adding stamp duty of $37,729 and about $2,500 in legal costs, you'd need roughly $232,229 in upfront cash — or $224,683 if you qualify for the first-home duty concession.

What income do I need to buy a house in Shellharbour?

To service an 80% loan on the median house, stress-tested at the 8.5% assessment rate plus indicative living costs, a household needs roughly $166,124 in gross income. The monthly repayment at the 5.5% advertised rate is about $4,356.

Are Shellharbour prices rising?

Over the past year the indicative blended dwelling growth was +4.4%, and the modelled house price trend is rising (+5.8% CAGR over the series). Past growth doesn't predict future returns.