Tamworth's 'unique' housing bubble is set to see the city through any predicted price dip experienced in other parts across Australia.
However, the pandemic has changed the traditional ways some people would enter the market, and brought rise to interesting trends in the commercial and agricultural landscape.
These trends, seen by Bernadette Lyden from Tamworth's Easy Conveyancing and Rebecca Greenland from Greenland Law and Conveyancing, are expected to continue well after government stimulus runs out.
Tamworth parents have also stepped up to the mark, according to Ms Greenland, who has seen more mums and dads lending their children money to take advantage of the favourable market conditions.
Both said the local real estate market has always been very stable compared to metropolitan counterparts like Sydney, and weathering the pandemic was no different to other times like the GFC.
Ms Greenland said the HomeBuilder Grant saw a trend towards vacant blocks rather than buying established houses in the second half of the year.
The extension of the First Home Buyers Scheme enabled younger buyers to get into the market without the burden of paying transfer duty, she said.
"One trend I have noticed, however, is that many retirement-aged parents are lending their children cash to purchase a house," Ms Greenland said.
"This is beneficial to the kids as they do not need to go through the finance approval process and is advantageous to parents who want a higher rate of return on their nest eggs.
"So mum and dad might lend at two per cent to the kids instead of receiving 0.4 per cent on a term deposit with a bank."
For Ms Lyden, she's seen people buying properties in the smaller regional areas, like Nundle, Walcha, Bendemeer - all smaller localities for holiday homes - as a flow on effect from the pandemic.
"It created a great chance for people to do something like this, and get weekenders to escape from the city," Ms Lyden explained.
"The momentum is still amazing, especially that it continued through January.
"Traditionally in Tamworth it can be ghost town."
Ms Greenland saw some big prices for rural properties in 2020 as the drought gave way to a favourable season.
A fair few of the region's landholders saw and took chances to buy up neighbouring farms.
Many business owners also took the plunge to purchase their own office spaces to avoid "dead money rent".
But at the same time, she saw a second group of commercial investors became more hesitant.
"[M]any offices became empty as the working from home trend extended beyond the lockdown and employees opted for flexible working arrangements," Ms Greenland explained.
And as for the future, there is hope the "amazing momentum" will continue.
"I think Tamworth has always been secular, it's our own little pocket, and hasn't really been influenced by Sydney and other major areas," Ms Lyden said.
"Back in the GFC, there was that doom and gloom ... but Tamworth didn't feel any speed bumps."
Both will be interested to see what happens in 2021, with the proposed stamp duty and Land Tax reforms.