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ABS 2021 Census · Updated 21 May 2026
Scotia is a regional centre in New South Wales, Australia, with a population of approximately 12, making it a boutique locality. Located approximately 904 km from the Sydney CBD, Scotia is a regional area in New South Wales. The median household income is $29,900 per year.
Lower income levels in Scotia typically translate to more affordable entry points for investors. As a regional location, growth prospects depend on local economic conditions and infrastructure investment.
Official Australia Post postcode for Scotia. 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 Scotia 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.
Scotia is a smaller community of 12 — about 0% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Scotia's median household income of $29,900/year is 69% below the New South Wales suburb median ($97,552) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. The median weekly rent of $176 translates to approximately $9,152/year in gross rental income, setting the upper bound on yield before vacancy, rates, insurance and maintenance. Scotia is 904 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 57% of dwellings are separate houses (vs 76% state median), so this is a unit-heavy market where body-corporate decisions and strata supply meaningfully shape investor returns.
How Scotia stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Scotia sits above the state median; negative means below.
| Metric | Scotia | NSW median | Δ vs state |
|---|---|---|---|
| Population | 12 | 5,325 | -100% |
| Median household income | $29,900/yr | $97,552/yr | -69% |
| Median rent (weekly) | $176 | $430 | -59% |
| Distance to CBD | 904 km | 45 km | +1909% |
| Separate houses | 57% | 76% | -19pp |
Pre-inspection briefing for Scotia — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 12 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Gross rent of $176/week (~$9,152/year) sets the yield ceiling. Cross-check against your purchase price to confirm whether this suburb hits the 4–5% gross yield most Australian investors target.
Only 57% 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 Scotia property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Scotia are modest for 2026 — incomes 69% below the NSW median of $97,552 and a population of 12 suggest gains will lag headline metro markets. Rents sit around $176/week, setting the baseline gross rental income at roughly $9,152/year — refine this against current listings before running your numbers. The EquitySight investment score of 21/100 places Scotia in the lower tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Scotia scores 21/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 12, median household income of $29,900/year and median weekly rent of $176. 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 Scotia are a median household income of $29,900/year, a dwelling mix that is 57% 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.
Scotia has a usual resident population of approximately 12, 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.
Scotia sits 904 km straight-line from the Sydney CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
The most recent census recorded a median weekly rent of $176 in Scotia, equating to approximately $9,152/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.
A reliable median mortgage figure was not captured for Scotia. Use our loan serviceability calculator to estimate a realistic monthly repayment for your target purchase price and deposit.
Census data was not complete enough in Scotia to compute a clean rent-to-mortgage coverage. Use current listings to benchmark weekly rent, then plug your expected purchase price into our rental yield calculator to see whether the investment runs cash-flow positive or negative.
The main risks are a thin buyer pool (12 residents), interest-rate sensitivity, below-median household incomes ($29,900 vs $97,552 state median), 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.