Cams Wharf, NSW 2281
Lake Macquarie City CouncilAll suburbs in postcode 2281
Updated
Median house price
$740,000
+13.8% over the past year.
Median of 17 house sales · NSW Valuer General · calendar 2025
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Cams Wharf at a glance
- Median unit
- $316,800
- Weekly rent
- $750
- Houses · units $550
- Population
- 182
- Median age 56
Prices: Median of 17 house sales · NSW Valuer General · calendar 2025 · Rent: NSW rental bond data (postcode 2281), June 2026 · Population: 2021 Census
House prices in Cams Wharf
Houses change hands at $740,000 on a typical sale, below the NSW median (17 house sales, NSW Valuer General, calendar 2025). Units come in around $316,800, roughly 57% below the house median. The last 12 months delivered strong growth (+13.8%), well clear of the long-run average for the state.
For sellers
Twelve-month growth is +13.8%, supporting confident pricing at the upper end of recent comparables.
For buyers
A 20% deposit on the median house works out to roughly $148,000. Prices are below the NSW median, which keeps Cams Wharf on the radar for first-home buyers and right-sizers.
Rental data as of June 2026· NSW rental bond data (postcode 2281)
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What to know about Cams Wharf
Cams Wharf (2281) sits in the Lake Macquarie region of NSW. The median house here is $740,000, below the NSW median of around $1.10M. Prices have moved +13.8% over the past year, well clear of the NSW average (3%).
Cams Wharf has roughly 182 residents, with a retiree-heavy demographic. Households are predominantly owner-occupied. Daily life is car-dependent: most residents drive to work, school and the shops.
What it’s like to live here
Cams Wharf scores 0/100 on walkability, which makes it car-dependent with limited public transport. Plan for two cars in a typical household, especially if work isn't local.
Summer days here average around 27°C (warm), winter mornings around 8°C (mild). Annual rainfall lands at about 1,174 mm. Figures are our 1991 to 2020 averages of SILO data for this location (Queensland Government, built from Bureau of Meteorology observations).
Schooling within or near the suburb covers 14 government primary, 2 government secondary, 3 Catholic, 1 independent.
Schools in Cams Wharf
Location
Walkability
- Walk
- 0/100
- Transit
- 0/100
- Bike
- 55/100
Very car dependent. Scores out of 100, calculated from OpenStreetMap data (ODbL).
Walkability data as of May 2026· OpenStreetMap
Demographics
The 2021 Census put Cams Wharf's population at 182, with a median age of 56. That sits as a retiree-heavy demographic. Households are predominantly owner-occupied (77% own, 15% rent), which shapes everything from school catchment stability to how often properties turn over. The household mix skews family-dominated (65% family households, 29% lone person), so amenity decisions tend to follow what families want: parks, schools, supermarkets.
- Family households
- 65%
- Lone person
- 29%
- Owner occupied
- 77%
- Renter occupied
- 15%
Demographics data as of May 2026· ABS 2021 Census
Investment overview
Gross rental yield on houses sits at 5.27% (median rent $750/wk against a $740,000 price tag). Units yield 9.03% gross, often the better cash-flow play for first-time investors. Renter share is modest (15%), so the rental pool is smaller and tenant demand can be patchier than in higher-density suburbs. The 12-month growth of +13.8% adds a capital-growth case on top of the yield.
- Gross yield, housesSource: NSW Valuer General (PSI) · Sept 2026
- 5.27%
- On the $740,000 median
- Gross yield, unitsSource: NSW Valuer General (PSI) · Sept 2026
- 9.03%
- On the $316,800 median
- 12-month change, housesSource: NSW Valuer General (PSI) · Sept 2026
- +13.8%
Gross rental yield is a year’s rent divided by the purchase price, before expenses. It leaves out vacancy, management fees, maintenance and financing costs, so treat it as a starting point.
Crime and safety
9 offences recorded in 2026
Top offence categories
Source: State Police Open Data
Crime data as of January 2026
Weather year-round
- Annual rainfall
- 1,174 mm
- Hottest month, avg max
- 27.2°C
- Coldest month, avg min
- 8.2°C
Rainfall by month
Our 1991 to 2020 averages of SILO data (Queensland Government, built from Bureau of Meteorology observations, CC BY 4.0) for this location.
Climate data as of October 2026· SILO (Queensland Government), from Bureau of Meteorology observations
Questions about Cams Wharf
- What is the median house price in Cams Wharf?
- The median house price in Cams Wharf, NSW 2281 is $740,000 (median of 17 house sales recorded by the NSW Valuer General in calendar 2025). The median unit price is $316,800. Annual growth is +13.8%.
- How much is my house worth in Cams Wharf?
- A useful starting point is the Cams Wharf median house price of $740,000 (units $316,800). Your home will sit above or below that depending on land size, condition, position and what comparable homes nearby have sold for recently. For a figure specific to your property, request a free property appraisal from a local agent using the form on this page.
- Is Cams Wharf a good investment?
- On the published figures, the gross rental yield on houses in Cams Wharf is 5.3%: the median weekly house rent is $750 (NSW rental bond data (postcode 2281), June 2026) against the median house price of $740,000 (NSW Valuer General, calendar 2025). The median house price rose 13.8% over 12 months on the same NSW Valuer General figures. Whether Cams Wharf is a good investment for you depends on the price you pay, your loan and holding costs, vacancy and your tax position. These are published market figures, not financial advice.
- What is the Cams Wharf postcode?
- Cams Wharf is in the 2281 postcode, in NSW, in the Lake Macquarie City Council region.
- Where is Cams Wharf?
- Cams Wharf is a suburb in the Lake Macquarie City Council area, NSW 2281.
- What is the average rent in Cams Wharf?
- The median weekly rent for houses is $750, for units it's $550.
- What schools are in Cams Wharf?
- There are 20 schools serving Cams Wharf on this page, including Nords Wharf Public School, Gwandalan Public School, Caves Beach Public School.
- How walkable is Cams Wharf?
- Cams Wharf has a Walk Score of 0 out of 100, highly car-dependent. transit score 0, bike score 55.
- What suburbs are near Cams Wharf?
- Cams Wharf is close to Murrays Beach, Nords Wharf, Middle Camp, Pinny Beach, Catherine Hill Bay.
- What is the population of Cams Wharf?
- The population of Cams Wharf is approximately 182 (2021 Census). The median age is 56.
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Sources. House and unit medians from the NSW Valuer General, Land Victoria, the SA Government and the ABS; rents from the state rental bond authorities. Census from the ABS (2021), climate from the Bureau of Meteorology, hazard from Geoscience Australia, schools from ACARA and crime from state police open data. Each figure carries its source and date. How we source data
How we’re paid. The guides and this page are free. When a seller asks, we introduce one local agent, and the agent pays us a flat fee for the introduction, never a share of their commission; it costs the seller nothing. If a figure looks wrong, tell us and we’ll fix it.