Districts
SuburbsBlogSearch
Sign inGet started
Districts
SuburbsBlogSearch
Sign inGet started

NSW › Coffs Harbour › Howard St

57 Howard St, Coffs Harbour NSW 2450

For saleHouse for Sale

$1,039,000–$1,069,000

For sale

Asking range

3

Bedrooms

1

Bathrooms

1

Car spaces

1,012 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,039,000–$1,069,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,039,000–$1,069,000(Listing record · 15 July 2026)
  • CalculationLand 1,012 m² against a 164 m² dwelling — the land is most of what is being bought.(Districts calculation)
  • CalculationAsk is 18% above the Coffs Harbour median recorded sale ($880,000, n=117, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Coffs Harbour's advertised median rent ($595/wk), implied gross yield would be 2.98% — this is not a rent for this listing.(Districts scenario calculation)

What could make it worth more?

  • InterpretationA large lot with a small dwelling means the value case rests on the land and what the zone allows on it, not the house.

What could make it worth less?

No detected risks — but see the checklist: absence of evidence is not an all-clear.

What should you verify next?

  1. 1Official planning layers are still retrieving for this parcel — check back before relying on zoning or overlay absence.
  2. 2No hazard layer has been retrieved — confirm flood, bushfire and heritage exposure from council mapping before an offer.

Each line above is labelled. A fact is quoted from the named source, with its date. A calculation is worked out by Districts from those facts — you can check the arithmetic. An interpretation is Districts' opinion of what the evidence means, not a fact, a valuation, or advice. Anything we haven't retrieved yet is marked as missing rather than treated as a pass.

Price evidence

The ask against the evidence

Asking

$1,039,000–$1,069,000

Asking range · $1,027/m² of land

No recorded sale for this property.

Coffs Harbour at a glance

28,089

People

$880,000

Median sale

$595/wk

Median rent

3.52%

Suburb gross yield

Median sale from 117 recorded sales (last 12 months) — a Districts calculation.

See the full Coffs Harbour report →

Vs Coffs Harbour

+18.1%

Median sale

Suburb $880,000

-0.54 pp

Gross yield

Suburb 3.52%

Suburb median $880,000 from 117 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Based on the low end of the asking range, not a contract price.

Purchase Price
$1,039,000
Stamp Duty (New South Wales)
$41,167
Transfer/Registration Fee
$167
Mortgage Registration (est., if financed)
$200
Legal & Conveyancing (est.)
$2,000
Building & Pest Inspection (est.)
$700
Rates & Water Adjustment at Settlement (est.)
$800
Total cash required
$1,084,034

$45,034 on top of the price (4.3% extra)

  • Stamp Duty (New South Wales)
  • Transfer/Registration Fee
  • Mortgage Registration
  • Legal & Conveyancing
  • Building & Pest Inspection
  • Rates & Water Adjustment

Estimates only, at standard investor rates — no first-home or owner-occupier concessions applied. Not included: lenders mortgage insurance (usually applies when borrowing more than 80% of the price), loan application and settlement fees from your lender, the foreign-purchaser duty surcharge, and building insurance — in Queensland the property is at your risk from the first business day after signing, not from settlement. Verify with your conveyancer.

Stamp duty and transfer fees: New South Wales schedules from 2026-07-01. Ongoing council rates and land tax are not included.

Rental yield

Based on the low end of the asking range, not a contract price.

Pre-filled with Coffs Harbour's advertised median rent — not a rent for this listing.

Net yield
1.48%
Annual cashflow (pre-tax)
$-38,673
Interest cover (DSCR)
0.28
Annual rent
$30,940
Operating expenses
$15,585
Loan amount
$831,200
Annual interest
$54,028
Gross yield
2.98%

Gross yield is weekly rent × 52 ÷ price. Net yield subtracts operating expenses. Cashflow then subtracts interest-only interest on price × LVR. Tax, vacancies, and principal repayments are not included.

Open the full yield calculator →

Planning

Planning and development

Planning data is being calculated

Development activity

Data unavailable

Source

  • Provider: unavailable
  • Dataset: unavailable
  • Retrieved: not yet retrieved
  • Version: planning-v1

Planning facts are copied from official government GIS where available. Where an official property PDF exists (VicPlan, PlanBuild), Districts stores and serves that original document. Neither is a planning certificate, survey, or advice.

Site

Terrain

Terrain has not been calculated for this property yet.

Slope is calculated on a projected metric grid from a public DEM clip of the official parcel. This is not a survey, engineering, or insurance assessment.

Flood, bushfire and heritage

i

Flood

Not retrieved

Flood exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Bushfire

Not retrieved

Bushfire exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Heritage

Not retrieved

Heritage listing has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Records

Property history

  1. Listed$1,039,000–$1,069,000available15 July 2026

Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.

Capital growth

NSW

Why this lot, not just this suburb

Why could this property outperform?

Planning layers have not been retrieved for this property yet. A suburb median or growth rate is not a reason this particular lot would outperform. Funded catalyst catchments are not loaded. A TOD badge is not this product.

What could kill that thesis?

Confidence: low

Official flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.” NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

Rental

Income, competition, and yield

What will it realistically rent for?

Confidence: low

No advertised rent is recorded. Suburb median rent $595/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms.

What competition will it face?

Current comparable rental listings within 400 m of this lot are not loaded. NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet. Supply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded. Suburb vacancy or leased-tape days are not this property’s competition.

What does the yield actually look like?

Confidence: low

Gross yield if leased at the suburb aggregate is 3.0%. The yield that matters is the one on achieved rent, which has not been inferred for this address. Net yield (land tax, rates, insurance, vacancy) is not loaded. NSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.

Verdict

What this means for this property

Districts view

Not enough official evidence yet to underwrite this as an investment.

Detail

The same ten questions apply to every property. Missing flood, nearby DAs, achieved rents, or lot geometry is unknown — not “no.”

Read more

Do not treat a suburb median, an advertised yield, or a listing score as the case for this lot.

The evidence loaded so far isn't enough on its own to change a buy, offer, or walk-away decision for this property.

Evidence

What is known for this property

Districts asks the same ten questions of every property. If one shows as unknown, that data isn't published for this state or hasn't been loaded yet — the question stays visible so you can see exactly what's missing.

1 of 10 questions answered so far

  • Development optionality of this lot

    Unknown

    Planning layers have not been retrieved for this property yet.

  • Nearby development pipeline

    Unknown

    NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

  • Honest achievable rent

    Knownlow

    This is not “bond data says this address leases for $X.” The comparable figure is a suburb advertised/median rent, not this property. Official bond files (postcode or suburb × type × bedrooms) are not loaded yet.

  • Rental supply pressure

    Unknown

    Supply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded.

  • Why is this cheap?

    Unknown

    The constraint stack has not been retrieved for this lot, so Districts cannot explain a discount versus land size.

  • Lot-level flood

    Unknown

    Official flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.”

  • Catalyst exposure

    Unknown

    Funded catalyst catchments are not loaded. A TOD badge is not this product.

  • This lot's DA history

    Unknown

    Development applications have not been queried for this parcel.

  • Statutory land value versus ask

    Unknown

    NSW Valuer General land values are not loaded for this property yet.

  • Net yield / holding costs

    Unknown

    NSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.

Area

Coffs Harbour in one glance

Coffs Harbour at a glance

28,089

People

$880,000

Median sale

$595/wk

Median rent

3.52%

Suburb gross yield

Median sale from 117 recorded sales (last 12 months) — a Districts calculation.

See the full Coffs Harbour report →

Keep researching

  • Why Coffs Harbour? Read the area thesis →
  • What else is on the market in Coffs Harbour →
  • Other records on Howard St →

Listing material

Listed by Ray White Coffs Harbour

Elevated Living with Panoramic Racecourse & Mountain Views

Beyond its elevated street presence lies a home that embraces its outlook at every opportunity. Positioned to overlook the Coffs Harbour Racecourse and capture the rolling mountain ranges towards Bellingen, this thoughtfully updated residence combines character, comfort and a unique perspective rarely found.

Designed across two levels, the flexible floorplan creates separation between the main suite and additional bedrooms, making it equally suited to families, professionals or those seeking space for guests. Upstairs, beautiful hardwood timber floors complement the light-filled living areas, while expansive glazing draws the surrounding outlook into the home.

The open plan living space extends effortlessly onto a generous balcony that connects through to the main bedroom, creating the perfect setting to enjoy your morning coffee, entertain with friends or simply take in the ever-changing views. A private courtyard provides an additional outdoor retreat, while recent updates including new carpet and fresh paint ensure the home is ready to enjoy from day one.

Read the full description

• Three-bedroom split-level residence

• Main bedroom privately positioned on the upper level

• Two additional bedrooms located on the lower level

• Beautiful hardwood timber flooring throughout the upper living area

• Open plan living and dining filled with natural light

• Expansive wraparound balcony capturing racecourse and mountain views

• Private courtyard providing an additional outdoor living space

• New carpet and freshly painted throughout

• Single lock-up garage

Conveniently positioned just minutes from Coffs Harbour Jetty and CBD, schools, shopping, restaurants and the stunning beaches of the Coffs Coast, this home offers the perfect balance of elevated living and everyday convenience.

Combining character, recent updates and an outlook that will never grow old, this is an opportunity to secure a home that offers far more than first meets the eye.

Disclaimer: All information disclosed herein has been provided from sources we believe to be reliable however we cannot guarantee its accuracy. It is respectfully advised that interested parties carry out their own due diligence.

Listing description written by Nick Townsend, Ray White Coffs Harbour — reproduced as published, not verified by Districts.

Property features

  • Balcony
  • Built-in Robes
  • Courtyard
  • Dishwasher
  • Floorboards
  • Outdoor Entertaining
  • Remote Garage
  • Toilets: 1
Districts

Australian property research from recorded sales, listings, and official layers. Missing data is shown as unavailable, never filled in.

Research

  • Property search
  • Suburb profiles
  • Blog
  • Calculators
  • Follow suburbs
  • Sign in

Learn

  • How we use data
  • What's covered
  • Questions
  • Who it's for
  • Access

Company

  • About
  • Contact
  • support@districts.com.au

Legal

  • Privacy
  • Terms

© 2026 Districts

districts.com.au

Research purposes only. Not personal financial advice, a valuation, or a planning certificate. Always speak to a licensed financial adviser before you act.