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ABS 2021 Census · Updated 21 May 2026
Cottage Point is a well-established middle-ring suburb of Sydney, Australia, with a population of approximately 96, making it a boutique locality. Located approximately 28 km from the Sydney CBD, Cottage Point is a middle ring area in New South Wales. The median household income is $143,000 per year.
Cottage Point benefits from a high-income resident base, supporting premium property pricing.
Official Australia Post postcode for Cottage Point. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Cottage Point on My School →Estimated 1 park and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Cottage Point is a smaller community of 96 — about 2% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $143,000/year runs 47% above the New South Wales suburb median of $97,552, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Median rent of $607/week (~$2,630/month) covers only 61% of the median mortgage of $4,300/month — the remaining $1,670/month must be funded from other income, so this suburb tilts toward capital growth rather than yield. At 28 km from Sydney, Cottage Point is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
How Cottage Point stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Cottage Point sits above the state median; negative means below.
| Metric | Cottage Point | NSW median | Δ vs state |
|---|---|---|---|
| Population | 96 | 5,325 | -98% |
| Median household income | $143,000/yr | $97,552/yr | +47% |
| Median rent (weekly) | $607 | $430 | +41% |
| Median mortgage (monthly) | $4,300 | $2,167 | +98% |
| Distance to CBD | 28 km | 45 km | -38% |
| Separate houses | 77% | 76% | +1pp |
Pre-inspection briefing for Cottage Point — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 96 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Weak cash flow: $607/week rent covers only 61% of the $4,300/month median mortgage — a $1,670/month gap that must be funded from other income. This suburb is a capital-growth play, not a yield play.
With 77% houses in a 96-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Run the numbers on a Cottage Point property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Cottage Point are modest for 2026 — incomes 47% above the NSW median of $97,552 and a population of 96 suggest gains will lag headline metro markets. Rental coverage runs at ~61% of the typical mortgage ($2,630/month rent vs $4,300/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 74/100 places Cottage Point in the upper-middle tier of Australian suburbs we profile, and overall investor sentiment is constructive heading into the second half of 2026.
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Cottage Point scores 74/100 on our EquitySight investment framework — a good rating. That score is driven by a population of 96, median household income of $143,000/year and median weekly rent of $607. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Cottage Point are an above-state-median household income of $143,000/year, a dwelling mix that is 77% separate houses, roughly 1 schools and 1 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Cottage Point has a usual resident population of approximately 96, compared with a New South Wales suburb median of 5,325 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
Cottage Point sits 28 km straight-line from the Sydney CBD. This is an outer-metro location; local employment and infrastructure announcements tend to move prices more than CBD connectivity alone.
The most recent census recorded a median weekly rent of $607 in Cottage Point, equating to approximately $31,564/year in gross rental income (state median $430/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
The median monthly mortgage repayment in Cottage Point is $4,300, or approximately $51,600/year (vs $2,167/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
A median weekly rent of $607 works out to $2,630/month, covering 61% of the median mortgage repayment of $4,300/month. That leaves a $1,670/month shortfall (around $20,040/year before tax benefits), so a typical owner-occupier-priced property here is negatively geared. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
The main risks are a thin buyer pool (96 residents), interest-rate sensitivity on the $4,300 median mortgage, the broader New South Wales market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.