Figtree, NSW 2525
Wollongong City Council, New South Wales
Good to Know
Figtree, NSW 2525 is a high-value house market in the Wollongong City Council area, currently positioned as a long-hold capital growth submarket. Located about 80 km south of Sydney CBD, Figtree is home to roughly 12,335 adults across 4,937 dwellings, with a vacancy rate of 2.09%.
According to HtAG Analytics, Figtree is exhibiting supply-constrained conditions. Stock on Market sits at 0.15% and Inventory at 1.81 months — well below the ~3-month balanced-market threshold — driving +7.8% YoY price growth and +4.2% YoY rent growth.
What the market data is signalling
Figtree shows stronger capital appreciation than rent pressure: prices are up 7.8% over 12 months while rents have risen 4.2%. With an indicative gross yield of 3.13% (above the recommended 3% minimum), returns remain balanced between growth and income for houses.
Low visible supply — Stock on Market at 0.15% and Inventory at 1.81 months — alongside a neutral vacancy of 2.09% points to upward price momentum without an acute rental squeeze. For a visual of where Figtree sits today, see the Markets in the Moment (MiM™) heatmap.
Who lives in Figtree — and why it matters for investors
Figtree scores an IRSAD decile of 9, indicating a relatively advantaged population with stronger buying capacity and typically lower cyclical volatility. The renter/owner split is 17% renters (a neutral band), while the units/houses ratio at 10% indicates a predominantly house-based stock — useful when matching property type to tenant demand. For the evidence on how socio-economic mix affects markets, see the IRSAD Crossover study.
Why suburb-level data matters for Figtree
Decisions should be made on Figtree's own metrics rather than broad council averages. Key local figures — a typical house price of $1,365,882, gross yield of 3.13%, Stock on Market 0.15%, Inventory 1.81 months and median days on market 50 — tell the real story about supply tightness and price momentum in this suburb. Read more on why localised analysis matters in our LGA vs Suburb research.
For a downloadable data pack, see the full Figtree data guide.
What's behind the RCS™ score of 78
HtAG's RCS™ of 78 combines three independent dimensions — risk minimisation, capital-growth potential and cashflow resilience — into one composite rating so you can quickly see how the suburb matches different strategies. Examining the sub-scores (risk vs growth vs cashflow) is essential to match Figtree to your objectives; learn more about how the RCS™ is built.
Forward signals to watch
The vacancy rate — currently 2.09%: a sustained fall below 1% over 12–24 months would indicate acute rental tightness and push stronger rent growth; the current neutral reading suggests rental conditions are stable for now.
The building approvals ratio — currently 0.23%: very low approvals suggest limited new housing supply, supporting price resilience and making existing stock more valuable if demand persists.
The Sydney cycle phase: a city-wide shift in the capital-city cycle (upturn, slowdown or downturn) would alter buyer sentiment and funding conditions, which in turn would affect local momentum in Figtree.
Does this area meet your investment goals?
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RCS Breakdown
Figtree's RCS™ headline is an overall signal — but it doesn't tell you why. The three sub-scores below reveal whether that score is earned through risk minimisation, capital growth, or cashflow — and which portfolio brief it fits.
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Critical to know
Market Trends
Figtree's headline values — $1,421K to buy and $765PW to rent, a 2.79% gross yield. Over the past decade, prices have moved 90.80% and rents 65.58% — the Yield series shows whether that gap is widening (price outpacing rent, yield compressing) or closing.
$1,421K is today. The 10-year trajectory reveals whether that's the top of a run, the start of a new leg, or somewhere mid-cycle. Sign up to unlock the entire trend line.
$765PW today, with rent growth at (+5.08% YoY) compared to price growth (+9.64%). That spread determines yield is expanding or compressing across the next cycle. Sign up to unlock the entire trend line.
Where is Figtree in its cycle - and is the 2.79% yield holding?
Cycle phase tells you whether you're buying near the bottom (room to run) or top (compression ahead). Yield trajectory tells you whether cashflow is durable or being eroded — the single most important question for a long-hold thesis.
Cycle Phase
Cycle Position
Yield Trajectory
Rent vs Price Spread
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Area Risks
Property data alone won't flag the structural risks that can erode a long-hold position. Bushfire overlays, flood-zone exposure, and economic concentration sit outside the price feed but determine whether your capital is insurable, defensible, and structurally protected. Unlock to see.
Are there hidden structural risks shaping Figtree's long-hold story?
Beyond the headline price, Figtree carries risk signals a median can't show — hazard exposure from bushfire and flood overlays, and how narrowly local employment leans on a handful of sectors (the concentration the EDI score quantifies). Together these separate insurable, defensible long-holds from those carrying tail-risk that never surfaces in the headline number.
MADI Risk
EDI Risk
Bushfire
Flood
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Critical to know
Supply & Demand
Figtree's headline numbers show where the market is today. The two cards below answer where it's heading. Direction is what separates a buy from a wait.
Is housing supply tightening or building up?
Stock on Market is one number — the trend is what matters. SoM, inventory, building approvals and hold period together reveal whether the market is starving for stock (price pressure up) or quietly building a pipeline (pressure down).
Stock on Market
Inventory
Building Approvals
Hold Period
Is buyer and renter demand heating up or cooling off?
Vacancy is one signal — the real question is whether demand is still building or quietly peaking. Days on market, vacancy, search index and clearance rate are the four pulse-points — when they diverge, they signal a turning point.
Days on Market
Vacancy Rate
Search Index
Clearance Rate
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Fundamentals
Figtree can look solid on the surface — but the three layers below separate markets that genuinely hold value from ones that only look like they do.
Is Figtree genuinely stable - or just expensive?
IRSAD hints at affluence, but socio-economic strength alone doesn't guarantee resilience. Combined with the renter-to-owner balance and unit-to-house ratio, you get the three signals that separate a tightly-held submarket from one carrying hidden volatility.
IRSAD
Renter to Owner
Units to Houses
Where do Figtree prices go over the next 12 months?
Today's headline price is just a snapshot. Projected ROI and the volatility index tell you whether to commit capital now, wait for a softer entry, or rotate into a steadie submarket.
Projected Annual ROI
Volatility Index
Can you actually buy into Figtree - and exit cleanly?
Tightly-held areas reward long-hold investors but punish anyone who needs liquidity. Annual sales and rental volume reveal whether your capital can reposition — or sits structurally locked in.
Annual Sales Volume
Annual Rental Volume
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Important to know
Education & Infrastructure
Figtree looks tightly-held and stable on the surface — but the three layers below separate areas that genuinely hold value from ones that only look like they do.
Does Figtree's school catchment + infrastructure pipeline justify the price?
School ranks anchor family demand and tenant quality. The active infrastructure pipeline shifts a suburb's price ceiling over the next 5–10 years. Together they tell you whether Figtree has structural support for the next leg of capital growth.
School Rank
Hospitals & Employment
Infrastructure Spend
Transport Projects
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Full HtAG Intelligence
Figtree shows potential. The platform tells you whether it's the best fit for your portfolio.
Price and yield are only the surface. HtAG reads the forces underneath — supply tightening or loosening, demand heating or cooling, and the risks that move slowly but decide long-term growth. Together they show whether Figtree has the structural support for its next leg — or whether the numbers are running ahead of the fundamentals.
The total adult population (15 years or older) of Figtree 2525 NSW is 9,916, with a median age of 40. Of those, 53.52% are married, 9.40% are divorced or separated, 31.12% are single and 5.87% are widowed.
The average household size is 2.8 people per dwelling, and the median household monthly income is estimated to be $9,708. The median monthly mortgage repayment for households in this suburb is $2,229 which is 22.96% of their earnings.
Source: ABS Census Data (2021)