Pearl Beach flood map & planning overlays
A planning-constraint profile of Pearl Beach
(Central Coast, NSW) - 1.25 km², mapped from live council and
state overlay data. This suburb is highly constrained.
Profile updated 3 October 2026.
Suburb-wide figures; the free map shows which overlays touch your lot.
Constraint readout
1.25 km² - this suburb is highly constrained by planning overlays.
Elevation hillshade with street names, clipped to Pearl Beach's boundary, with the flood, bushfire and environmental overlays drawn on top. Magenta is where aircraft were observed in the sampled period, brightest below 3,000 ft.
Nearby suburbs, nearest first
Aircraft noise and flight paths over Pearl Beach
Two different things, kept apart on purpose. The ANEF contour is the planning instrument - a forecast published per airport that planning schemes use to control noise-sensitive development. Observed overflight is what a sampled aircraft-tracking feed actually recorded over the suburb - where aircraft flew, how low and how often.
Observed overflight - sampled 4 Sep to 2 Oct 2026
typical observed square 1 a day
Night movements: observed, lowest 9,000 ft - night is sampled as often as day, but night traffic is light, so this is a floor and no rate can be put on it.
Traffic is sampled rather than watched continuously, so every figure is a floor: aircraft not captured between samples are not represented. Rates are per 500 m square - the busiest square in the suburb, not a count of flights over the suburb - and a square is only rated where enough traffic was seen to measure it. Altitudes are above mean sea level. Flight paths change with runway use, weather, season and airspace design. This is a record of observed traffic; it is not a noise contour and not a planning control.
Pearl Beach at a glance
How Pearl Beach is zoned
Buying in Pearl Beach? The zoning, flood and bushfire lines on the section 10.7 certificate attached to the contract are mapped controls - see our s10.7 certificate guide.
Across its 1.25 km², Pearl Beach is highly constrained by planning overlays. About 17% of the suburb sits within a mapped flood overlay, and 79% is flagged bushfire-prone. There are 8 heritage-listed sites on record, and the dominant land-use zone is Low Density Residential. The median lot measures about 687 m² across 683 parcels.
Who lives in Pearl Beach
Census 2021 figures published by the ABS for the Pearl Beach suburb boundary itself, not a wider region.
Socio-economic standing
ABS SEIFA 2021 ranks every Australian suburb. Decile 1 is the most disadvantaged tenth of the country, decile 10 the least.
Score 1068, and decile 9 within New South Wales. The national average is 1000.
Age profile
Share of Pearl Beach's 510 residents in each ABS age band.
Population trend, 2001 to 2025
Estimated resident population of Umina - Booker Bay - Patonga, the wider ABS statistical area containing Pearl Beach. There is no annual population series published at suburb level, so this describes the surrounding area rather than Pearl Beach itself.
22,465 in 2001 to 25,057 in 2025, up 12%.
Source: ABS Census 2021 and SEIFA 2021 (Suburbs and Localities), Regional Population (SA2), CC BY 4.0. Small counts are randomly adjusted by the ABS.
Pearl Beach data sources and coverage
“Not mapped” means we hold no source layer for this suburb - never an all-clear.
| Dataset | Coverage | Publisher |
|---|---|---|
| Flood mapping | Mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Bushfire-prone mapping | Mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Zoning | Mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Heritage and environment | Mapped where published | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Aircraft noise contours (ANEF) | Not held | NSW Government spatial services, NSW ePlanning and published council flood studies, Defence |
| Observed flight paths | Observed | adsb.lol, under the Open Database License |
| Demographics | Available | Australian Bureau of Statistics (2021 Census and SEIFA) |
Profile last materially updated 3 October 2026. See the methodology and full source list. Source data changes over time and critical decisions should be checked with the responsible authority.
Check a specific Pearl Beach address
See exactly which overlays touch a single property - the interactive map is free. Need it on paper? A full planning PDF is just $9.
Aircraft have been seen below 3,000 ft over about 100% of Pearl Beach. The report's Aircraft Overflight page narrows that to the address itself: how many aircraft a day, how low, and at what heights.
Published flood models are held over parts of Pearl Beach. The free check tells you whether one reaches an address; where it does, a Flood Model Report is +$9 with the planning report.
Building or pricing a slab? The $119 geotechnical desktop report covers geology, soils, bores and an indicative AS 2870 site class for a Pearl Beach lot.
See what's in the $9 report →Pearl Beach planning - frequently asked
Is Pearl Beach flood-prone?
About 17% of Pearl Beach falls within a mapped flood overlay, against the council-wide suburb average of 30%. Published flood models are held over parts of Pearl Beach; the free check on the Flood Model Report page says whether one reaches a given address.
Is Pearl Beach bushfire-prone?
Around 79% of Pearl Beach is mapped as bushfire-prone, compared with a Central Coast average of 69%.
Is Pearl Beach under a flight path?
Aircraft were observed below 3,000 ft over about 100% of Pearl Beach, in the period sampled (4 Sep 2026 to 2 Oct 2026). The lowest measured aircraft was at 500 ft, with an average of 3,000 ft. At the busiest point in the suburb about 1 aircraft a day were recorded passing over one 500 m square. Traffic is sampled rather than watched continuously and flight paths change with runway use, weather and season; the ANEF contour is the planning instrument.
What is the zoning in Pearl Beach?
The dominant planning zone in Pearl Beach is Low Density Residential, though the suburb also includes Public Recreation and Environmental Conservation.
Does Pearl Beach have heritage-listed places?
Pearl Beach has 8 heritage-listed places on record.
What is the typical lot size in Pearl Beach?
Across 683 surveyed parcels in Pearl Beach, the median lot size is about 687 m².
Does Pearl Beach have a train station?
There is no train station inside Pearl Beach itself. The suburb is served by 23 bus stops.
What is the population of Pearl Beach?
At the 2021 Census Pearl Beach had 510 usual residents, with a median age of 64 and an average household size of 2.0 people. The wider Umina - Booker Bay - Patonga statistical area, which contains Pearl Beach, went from 22,465 people in 2001 to 25,057 in 2025, up 12%.
Is Pearl Beach an advantaged suburb?
On the ABS SEIFA 2021 index of relative socio-economic advantage and disadvantage (IRSAD), Pearl Beach scores 1068 and sits in decile 9 of 10 nationally and decile 9 within New South Wales (decile 1 is the most disadvantaged tenth, decile 10 the least).
What is the median household income in Pearl Beach?
Median household income in Pearl Beach was $1,761 a week at the 2021 Census, against $1,735 for the typical suburb in Central Coast. Median rent was $488 a week and the median mortgage repayment $2,167 a month.
Compare nearby suburbs
| Nearby suburb | Distance | Flood mapped | Bushfire-prone |
|---|---|---|---|
| Box Head | 2.1 km | <1% | 17% |
| Patonga | 2.2 km | 15% | 62% |
| Umina Beach | 2.7 km | 47% | 39% |
| Wagstaffe | 4.0 km | 54% | 50% |
| Ettalong Beach | 4.0 km | 54% | 5% |
| Pretty Beach | 4.5 km | 52% | 54% |
| Little Wobby | 4.8 km | 58% | 52% |
| Woy Woy | 4.8 km | 34% | 62% |
| Hardys Bay | 5.0 km | 4% | 91% |
| Blackwall | 5.0 km | 48% | 43% |