Spencer, Central Coast: house prices, rent and what to check before you buy
The DCJ Rent and Sales Report doesn't publish a reliable median sale price for postcode 2775: too few sales. The median weekly rent was $295 (Census 2021). Spencer had 288 residents at the 2021 Census, and its postcode is 2775.
What stands out: Bush Fire Prone Land covers 97% of the suburb's land (NSW Rural Fire Service Bush Fire Prone Land).
Page updated · market data to Mar 2026
- Zoning: mostly National Parks and Nature Reserves (C1), 72% of the land
- School catchments: parts of Spencer are in the catchments for Wisemans Ferry PS (primary); Galston HS and Kariong Mts HS (secondary)
- Getting there: nearest train or Metro station about 13.6 km from the suburb centre
- Non-strata median
- No reliable median
- postcode 2775
- No reliable median: too few sales in the postcode.
- NSW DCJ Rent and Sales Report
- Median rent
- $295/wk
- Census 2021 (older)
- Census 2021 median, all rented homes
- Four years older than the price figures; not directly comparable.
- ABS Census 2021
- Planning risk
- Flood Not mappedBushfire 97% Very highHeritage 0% Very low
- share of suburb land area
- 1 suburb-specific overlay to check
- NSW Planning Portal · NSW Rural Fire Service Bush Fire Prone Land
- Getting around
- 13.6 km to nearest station
- 3 government school catchments cover part of the suburb
- Transport for NSW GTFS data · NSW Department of Education catchments
Check an address in SpencerCompare with another suburb
Greater Sydney profile: sale prices and rents are published by postcode.
Spencer is a small community with a median age of 52, less socio-economically advantaged than most areas on the ABS's SEIFA index. Housing here is overwhelmingly standalone houses. The area is still light on cafés, shops and other everyday amenity. It's without a train or Metro station of its own. House sales here are too infrequent for a reliable median — see the unit and land figures below.
Ready to look at a specific property here? See the due diligence hub for what to verify before you sign.
Scope: New South Wales, Australia. Suburb data here comes from NSW government sources (DCJ rents and sales, Rural Fire Service, planning and school records); Greater Sydney comparison group.
In this profile
- Planning and riskZones, overlays, flood and bushfire, and what is planned nearby, with an address check.
- Prices and rentsMedian prices and rents, how they have moved, and sales volume.
- SchoolsThe government school zones that cover the suburb.
- Living hereTransport, commute times, who lives here and the suburbs nearby.
- Before you buyThe checks every purchase needs, common questions and guides.
Risk and planning in Spencer
Bush Fire Prone Land affects about 97% of the area.
Suburb-wide shares of the land, not a check of any one address.
Not covered by this dataset (most Sydney councils map flood risk separately). Not the same as no flood risk; check with council.
If it applies it adds bushfire construction requirements (a BAL rating) and cost.
Share of the suburb. Source: NSW Rural Fire Service Bush Fire Prone Land · Verify this address
The share of the suburb on the council's Local Environmental Plan heritage map: 4 listed heritage items. There, demolishing, moving or altering the outside of a heritage item, or of a building, work or tree in a conservation area, structural changes inside a listed building, building on that land or subdividing it generally need development consent, and similar rules cover Aboriginal places and objects. (NSW Parliamentary Counsel's Office, verified 26 Oct 2026) Minor work or maintenance can go ahead without it if the council agrees in writing first. (NSW Parliamentary Counsel's Office, verified 26 Oct 2026)
Share of the suburb. Source: NSW Planning Portal LEP heritage map · Verify this address
Worth checking in Spencer
Bush Fire Prone Land
Bush Fire Prone Land (NSW Rural Fire Service) affects ~97% of Spencer. If it applies, it drives bushfire construction requirements (BAL rating) and cost.
Zoning mix and building controls
Land use across the suburb (planning zones)
- Zoning
- Rural / Green
- mostly National Parks And Nature Reserves (C1) · 72% of the suburb
- Suburb
Layers on this map, as a table
| Layer | Share of suburb | Source |
|---|---|---|
| Suburb boundary | The whole suburb | ABS SAL 2021 |
Overlay colours reflect how much of the suburb an overlay covers — green under ~8%, amber ~8–20%, red above 20%. Source: NSW Planning Portal & NSW Rural Fire Service. How to verify planning controls for an address
Cost and market in Spencer
Spencer has too few recorded sales for a reliable median. Typical rent is $295/wk (Census 2021).
Show recorded crime and amenity-density comparisons
Schools
Parts of Spencer fall within 1 primary and 2 secondary government school catchments. No government schools sit within the suburb boundary itself, though the catchments above extend into it from neighbouring areas.
Government schools have address-based catchment zones; Catholic and independent schools set their own enrolment processes.
Getting around from Spencer
0 train, 0 Metro, 0 light rail and 3 bus stop points sit inside the suburb (Transport for NSW GTFS data). A station counts once per platform, so these are stop points, not stations.
- Distance to the CBD
- ~48 km
- from the suburb centre
- Getting around
- 0 train · 0 Metro · 0 light rail · 3 bus
- stop points in the suburb, not stations (a station is often several) · nearest train or Metro station ~13.6 km
- Nearest Centrelink
- ~29 km
- outside the suburb
Everyday amenity (OpenStreetMap)
- Cafés & amenity density
- 0 cafés
- Low café & amenity density — likely more car-dependent
- Restaurants
- 0
- places to eat nearby
- Supermarkets
- 0
- grocery stores nearby
- Pharmacies
- 0
- chemists nearby
- Parks
- 1
- green space nearby
- Childcare
- 0
- centres nearby
- GP & medical centres
- 0
- nearby
Who lives in Spencer
— 288 residents · median age 52 · 91% own their home · SEIFA 2/10
- Population
- 288
- usual residents (Census 2021)
- Owner-occupied
- 91%
- 91% own, 5% private rent, 0% social, 4% other or not stated
- Median age
- 52 yrs
- of residents
- Personal income
- $497/wk
- median, per week
- Household income
- $913/wk
- median, per week
- Avg household size
- 2.0 people
- people per home
- Monthly mortgage
- $1,395/mo
- median repayment
- Taxpayer income
- no data
- median taxable income, per year (ATO)
- Population growth
- no data
- Recorded crime
- 76 per 1,000 residents
- a year, for Spencer itself · higher than most Greater Sydney suburbs
Offence category mix (Spencer's own mix, last 12 months):
- Intimidation Stalking And Harassment23%
- Against Justice Procedures18%
- Theft18%
- Prohibited And Regulated Weapons Offences14%
- Sexual Offences14%
- Assault9%
- Disorderly Conduct5%
- Median household incomeup 12%
- Median personal incomeup 2%
- Median weekly rentup 18%
- Median ageolder by 1 year
How advantaged the area is
Deciles 1–10 vs all Sydney areas — 10 = most advantaged — from the ABS SEIFA index. A demographic measure, not a house-price one. These three don’t always move together — a suburb with lots of renters or students, for example, can score high on education but lower on income and housing costs.
- Overall advantage
- 2/10
- Less advantaged than most
- Economic resources
- 2/10
- income, housing costs & wealth
- Education & occupation
- 3/10
- qualifications & skilled jobs
The homes here
Mix of dwelling types across the suburb (Census 2021)
Who owns and rents here (Census 2021)
Not sure whether a house, townhouse or apartment suits you? Decide what to buy →
Recorded crime is a suburb-wide rate — every offence NSW Police logged over the latest year (theft, property damage, drug and traffic offences and the like, not only violent crime) divided by the suburb’s residents. A broad area signal, not a figure for this exact street.
All figures are suburb-level indicators, not property-specific — always confirm the exact address on the contract for sale. Sources: ABS Census 2021, NSW DCJ Rent and Sales Report, NSW Bureau of Crime Statistics and Research, NSW Rural Fire Service (Bush Fire Prone Land), NSW Planning Portal.
Suburbs near Spencer
The 6 closest suburbs with a Delora page, by distance between suburb centres.
Before you buy in Spencer
Overlay and pipeline checks specific to Spencer are in the Planning and risk tab. Two checks apply to every purchase.
Easements & restrictions
Check the contract for sale and title search for easements (e.g. drainage/sewer along a boundary — you usually can’t build over them) and restrictive covenants (single-dwelling, materials, height) that limit your plans.
Owners corporation (if applicable)
Apartments and many townhouses in Spencer are in an owners corporation. If so, the statement must include its certificate — review annual fees, any special levies, the maintenance fund and insurance.
Questions about Spencer
What postcode is Spencer?
Spencer is in postcode 2775, in the Central Coast council area, New South Wales.
What is the population of Spencer?
Spencer had 288 usual residents at the 2021 Census (ABS), with a median age of 52.
Is Spencer affected by flood or bushfire overlays?
Spencer's council doesn't map flood risk through the EPI Flood Planning overlay (most Sydney councils use a DCP or separate flood study instead, which Delora doesn't yet carry) — this is not the same as no flood risk, and about 97% is covered by Bush Fire Prone Land (NSW Rural Fire Service). These are suburb-wide shares: whether one applies to a particular property depends on the address, so check it on the NSW Planning Portal's spatial viewer and in the contract for sale.
Show all 4 more questions
What should I check before buying in Spencer?
For Spencer, pay particular attention to any flood or bushfire risk (about 97% bush fire prone, flood risk not mapped by this dataset), the zoning of the block and neighbouring blocks, and — for strata properties — the strata report, by-laws and any special levies. Always have a licensed conveyancer or solicitor review the contract for sale before you sign.
How is Spencer zoned?
Most of Spencer (72% of the land) is zoned C1 National Parks and Nature Reserves, then C2 Environmental Conservation (26%) and SP2 Infrastructure (1%) under the council's Local Environmental Plan (NSW Planning Portal). The zone sets what can be built; check the zone for an exact address on the Planning Portal's spatial viewer or a section 10.7 planning certificate.
Which school catchments cover Spencer?
Parts of Spencer are in the government school catchments for primary: Wisemans Ferry PS; secondary: Galston HS, Kariong Mts HS (NSW Department of Education). A suburb can span several catchments: the exact address decides which applies, so confirm it on NSW School Finder.
Is Spencer heritage listed?
Under 1% of Spencer is on the council's Local Environmental Plan heritage map, including 4 listed heritage items. For a heritage item or land in a heritage conservation area, demolition, exterior and structural interior changes, new buildings and subdivision generally need development consent, unless the council agrees in writing that minor work or maintenance doesn't (Standard Instrument LEP clause 5.10). Check an exact address on its section 10.7 planning certificate.
Guides for buying in Spencer
The flood and bushfire figures in Planning and risk are suburb-wide — they tell you how common an overlay is here, not whether it applies to one specific address. Confirm via the NSW Planning Portal and an in-person inspection before you rely on them.
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