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Horsfield Bay

POSTAL CODE: NSW, 2256
HOUSE
HORSFIELD BAY ranks 192nd in NSW when it comes to estimated capital gains experienced by property investors over the past three years.

The suburb’s capital gain of 3.53% for the past year is lower than average compared to its 29.41% growth within a five-year period.

Also in HORSFIELD BAY, the median home price is sitting at $1,100,000, and the average rent at N/A, this suggests property owners could potentially earn a N/A increase in gross rental yield.

Property investors have seen a -4.35% drop in HORSFIELD BAY based on a decrease in median home prices for the past three months.

A survey of average capital gains or median home price increase in suburbs across the country shows that this suburb obtained a 9.94% growth over a ten-year period. It ranks 25th on our list of suburbs that property investors should look into.

Surburb overview

Horsfield Bay, in the 2256 postcode on the Central Coast of New South Wales, is a small bayside suburb located about 88 kilometres north of Sydney’s central business district and 18 kilometres south of Gosford. It is situated on the northern shore of Brisbane Water, near Woy Woy and Patonga, with a significant portion of its area encompassed by Brisbane Water National Park.

The suburb has a population of fewer than 700 residents. Demographics show a community with a higher median age than the state average, reflecting the presence of older adults and retirees. Families and long-term residents also make up part of the population, with English the primary language spoken at home. Housing is primarily detached dwellings set along bushland and waterfront streets, many enjoying elevated views across Brisbane Water.

Public transport is limited within Horsfield Bay itself, but bus services operate in nearby Woy Woy, which also provides the closest railway station on the Central Coast and Newcastle Line. This station connects the suburb to Sydney and Newcastle. Road access is via Horsfield Bay Road and Woy Woy Road, linking the area to Woy Woy and the Central Coast Highway.

Essential establishments such as schools, supermarkets, and healthcare services are not located within Horsfield Bay. Residents rely on Woy Woy and Umina Beach for shopping, education, and medical facilities. Schools in the area include Woy Woy South Public School, Brisbane Water Secondary College, and Ettalong Public School. Healthcare is provided by local clinics in Woy Woy, with Gosford Hospital serving as the nearest major facility.

Recreational activities in Horsfield Bay are closely tied to its natural surroundings. Brisbane Water National Park provides bushwalking tracks, lookouts, and picnic areas, with popular trails such as the Pindar Cave walk accessible nearby. The bay itself offers opportunities for kayaking, boating, and fishing. Its location near coastal villages and beaches such as Patonga and Umina also provides additional recreation. Horsfield Bay’s quiet, nature-focused environment defines its character as a secluded community on the Central Coast.

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