Hi Linc, After a separation I moved up to Umina beach from Nth Ryde for the property prices and do not regret it onebit. The crime rate is fine, I haven't had a prob in 9 years. There are dodgy places with high crime rate, unemployment etc etc, but you also have that in Sydney areas. My neighbours kids catch a ferry over to Palm Beach and go to school there. The commute to Sydney isn't so bad, mind you I work in Hornsby and it takes me about 50 mins. I have guys at work who live in Sydney and spend more time than me on the roads. I picked Umina as it was close to Sydney and also close to the beach and waterways. I am also 10 mins away from Brisbane water and the Hawkesbury which is perfect for boating.
Cheers