Go to the websites for either Dick Payne Real Estate, The Professionals or Bevans (all in Gerringong).
Every holiday rental in Gerroa will be through them (unless privately advertised).
All the detail you need should be there.

Google a map of Gerroa to see which street you want. FYI - Burke Pde runs along the beach front. Try something there (can get pricey though). Otherwise some houses in Stafford (next one back) are walkable if its not too far up the hill or along the headland.

Every second house in Gerroa is a holiday rental, the caravan park has access to the beach but every where else is a short walk and you need to either wade over the estuary(easy at low tide) or cross the foot bridge. There is access from the boat ramp but the wind shadow from the headland might restrict you from sailing from there, I have not tried but it's only a short walk till you'll be sailing. Check out the Bevans(Gerringong) website, they seem to have a sign on most of them. I'll go for a ride around tomoz and jot some numbers down for you, there is a couple along the water front that would be good. If you want you can look me up when you get here and we'll go for a sail.

Cheers...Jase.

Regarding dogs on the beach, i was speaking to a local walking his dog on the beach and he said all the signs have come down and he believed it was ok now?? i could not spot any signs where i thought they used to be?? i could be wrong...

the camp site is far from a cheap option, rip off.