Figtree, NSW 2525
Wollongong City Council, New South Wales
Good to Know
Figtree, NSW 2525 is a tightly-held house market in the Figtree area, currently positioned as a long-hold capital growth submarket. It is home to roughly 12,335 adults across about 4,937 dwellings, with a vacancy rate of 1.86%.
According to HtAG Analytics, Figtree is exhibiting supply-constrained, firm demand. Stock on Market sits at 0.19% and Inventory at 1.92 months — well below the ~3-month balanced-market threshold — driving +7.7% YoY price growth and +4.3% YoY rent growth.
What the market data is signalling
Recent readings show price appreciation outpacing rents (price +7.7% vs rent +4.3% YoY), while low Stock on Market (0.19%) and tight Inventory (1.92 months) are putting upward pressure on values. Yields remain around 3.11%, just above the 3% threshold, suggesting capital growth is the dominant return driver today.
Explore the Markets in the Moment (MiM™) heatmap for a real-time view of momentum and relative strength across nearby suburbs.
Who lives in Figtree — and why it matters for investors
Figtree posts an IRSAD of 1052, comfortably above minimum recommended levels, which typically signals stronger resident incomes and demand resilience. The renter/owner split is 17.0% (neutral), so the market is largely owner-occupied — a profile that can reduce short-term volatility but favour long-term capital appreciation.
For how socio-economic position interacts with property performance, see the IRSAD Crossover study.
Why suburb-level data matters for Figtree
Council or LGA averages can mask pockets like Figtree; your decision should rest on the suburb's own metrics. In Figtree the typical house price is $1,372,265, gross yield ~3.11%, Stock on Market 0.19%, Inventory 1.92 months and median days on market 38 days — a compact profile that points to constrained listings and faster turnover.
Read more on why this screening layer matters in practice: LGA vs Suburb research. For a deep-dive, download the full Figtree data guide.
What's behind the RCS™ score of 78
HtAG's RCS™ (78) bundles three independent dimensions — risk minimisation, capital-growth potential and cashflow resilience — into one composite score. The headline number signals a strong mix of growth and manageability, but the sub-score breakdown is essential to match the suburb to your strategy (e.g. growth-focused vs yield-focused).
Learn how the RCS™ is built, or open Figtree in HtAG Copilot to inspect the component scores and scenario testing.
Forward signals to watch
The vacancy rate — currently 1.86%: sustained readings in the balanced band (~1–3.5%) typically mean rents can rise steadily without the acute landlord leverage seen in sub-1% markets.
The building approvals ratio — currently 0.23%: a low approvals ratio (under 0.3%) implies limited new-supply pressure ahead, supporting price and rent momentum if demand holds.
The wider Sydney cycle phase: any city-wide shift from expansion to slowdown would temper local momentum in Figtree, while an upswing at the metro level would amplify the suburb's existing supply constraints.
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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Market Trends
Figtree's headline values — $1,372K to buy and $820PW to rent, a 3.1% gross yield. Over the past decade, prices have moved 90.32% and rents 61.30% — the Yield series shows whether that gap is widening (price outpacing rent, yield compressing) or closing.
$1,372K 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.
$820PW today, with rent growth at (+4.32% YoY) compared to price growth (+7.71%). 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 3.1% 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)