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ABS 2021 Census · Updated 21 May 2026
Lovett Bay is a well-established middle-ring suburb of Sydney, Australia, with a population of approximately 117, making it a boutique locality. Located approximately 27 km from the Sydney CBD, Lovett Bay is a middle ring area in New South Wales. The median household income is $126,724 per year.
Lovett Bay benefits from a high-income resident base, supporting premium property pricing.
Official Australia Post postcode for Lovett Bay. 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 Lovett Bay 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.
Lovett Bay is a smaller community of 117 — 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 $126,724/year runs 30% 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 $500/week (~$2,167/month) covers only 59% of the median mortgage of $3,696/month — the remaining $1,529/month must be funded from other income, so this suburb tilts toward capital growth rather than yield. At 27 km from Sydney, Lovett Bay is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
How Lovett Bay stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Lovett Bay sits above the state median; negative means below.
| Metric | Lovett Bay | NSW median | Δ vs state |
|---|---|---|---|
| Population | 117 | 5,325 | -98% |
| Median household income | $126,724/yr | $97,552/yr | +30% |
| Median rent (weekly) | $500 | $430 | +16% |
| Median mortgage (monthly) | $3,696 | $2,167 | +71% |
| Distance to CBD | 27 km | 45 km | -40% |
| Separate houses | 62% | 76% | -14pp |
Pre-inspection briefing for Lovett Bay — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 117 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Weak cash flow: $500/week rent covers only 59% of the $3,696/month median mortgage — a $1,529/month gap that must be funded from other income. This suburb is a capital-growth play, not a yield play.
Only 62% of dwellings are separate houses (vs 76% NSW median) — this is a unit and townhouse market, where cosmetic flips struggle against body-corporate restrictions, thinner after-reno uplift and competing new supply.
Run the numbers on a Lovett Bay property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Lovett Bay are modest for 2026 — incomes 30% above the NSW median of $97,552 and a population of 117 suggest gains will lag headline metro markets. Rental coverage runs at ~59% of the typical mortgage ($2,167/month rent vs $3,696/month repayment), meaning investors will rely on capital growth rather than yield. The EquitySight investment score of 69/100 places Lovett Bay in the upper-middle tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Lovett Bay scores 69/100 on our EquitySight investment framework — a good rating. That score is driven by a population of 117, median household income of $126,724/year and median weekly rent of $500. 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 Lovett Bay are an above-state-median household income of $126,724/year, a dwelling mix that is 62% 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.
Lovett Bay has a usual resident population of approximately 117, 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.
Lovett Bay sits 27 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 $500 in Lovett Bay, equating to approximately $26,000/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 Lovett Bay is $3,696, or approximately $44,352/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 $500 works out to $2,167/month, covering 59% of the median mortgage repayment of $3,696/month. That leaves a $1,529/month shortfall (around $18,348/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 (117 residents), interest-rate sensitivity on the $3,696 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.