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Freshwater 2096 suburb profile

Freshwater sits between Manly and Curl Curl on Sydney’s Northern Beaches and is known for its protected bay, headlands and classic surf beach. The suburb has a village-style shopping strip, cafés, local schools and parks that support a strong community feel and appeal to families, professionals and long‑term owner‑occupiers.​

Freshwater recorded a population of around 8,800–8,900 residents, with steady growth over the past decade and a predominant age group of 30–39 years. Households are mainly couples with children and couples without children, with a high proportion of professional and managerial occupations and above‑average household incomes compared with wider New South Wales.​

Median house prices – last 5 years

Freshwater’s housing market sits at the premium end of the Northern Beaches, supported by limited land, strong lifestyle demand and ongoing renovation and rebuild activity. Median house prices have remained high despite interest rate changes, reflecting the suburb’s desirability for long‑term owner‑occupiers and high‑income buyers.​

Approximate median house prices for Freshwater over the past five years are:

• Around November 2024–2025: median house price approximately $3.80 million.​

• Mid‑2023 to 2024: median house price in the low–mid $3 million range, with some variation by bedroom count (for example, three‑bedroom houses around $3.11 million and four‑bedroom houses around $4.27 million).​

• 2022: median house price broadly in the mid–high $3 million range, with values consolidating after the sharp increases of 2020–2021.​

• 2021: median house price close to $3.9 million, with annual capital growth reported at just over 6% for houses.​

• 2020: median house price in the low–mid $3 million range before the strong pandemic‑era upswing in coastal demand.​

These figures highlight how important it is for Freshwater buyers to understand borrowing capacity and lender policy when targeting properties well above the Sydney median.

• • Strong coastal community: Freshwater offers a tight‑knit village atmosphere with local schools, sporting clubs, cafés and small businesses that support an active, family‑oriented lifestyle.​

  • Beach and outdoor lifestyle: Residents enjoy direct access to Freshwater Beach, ocean pools, coastal walks and nearby reserves, making outdoor recreation part of daily life.​

  • Professional, high‑income demographic: The suburb has a high proportion of professionals and managers, with household incomes above state averages and many residents commuting to the CBD or North Shore.​

  • Stable housing demand: Population growth, a predominant 30–39 age bracket and a high share of couples with children help support strong demand for both houses and units, underpinning long‑term property values.

Why align your home loan with the Freshwater market

Buying or refinancing in Freshwater often involves larger loans, higher loan‑to‑value ratios and more complex income structures such as bonuses or self‑employment. Working with a Northern Beaches mortgage broker who regularly arranges finance in Freshwater can help match lender choice, policy and product features to the suburb’s price points and your long‑term property plans.

At Aqua Home Loans, your local mortgage brokers on Sydney’s Northern Beaches, we’re all about creating an experience that feels personal and stress-free.

We combine deep industry know-how with genuine care to help you reach your goals with confidence.

But don’t just take our word for it – hear directly from the people who’ve worked with us and see the difference for yourself.

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Welcome to Aqua Home Loans in Freshwater, NSW, 2096 , your trusted partner in navigating the mortgage landscape. We help you secure a professional outcome for your home and finance loan needs.