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ABS 2021 Census · Updated 21 May 2026
Toongabbie is a well-established middle-ring suburb of Sydney, Australia, with a population of approximately 16,177, making it a smaller community. Located approximately 26 km from the Sydney CBD, Toongabbie is a middle ring area in New South Wales. The median household income is $109,512 per year.
Strong household incomes in Toongabbie underpin solid property demand.
Official Australia Post postcode for Toongabbie. 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 4 schools within or near this suburb.
Find schools near Toongabbie on My School →Estimated 6 parks 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.
With 16,177 residents, Toongabbie is one of New South Wales's more populous suburbs — roughly 3.0× the state median of 5,325 — giving it a deep buyer and tenant pool that typically supports higher transaction volumes and shorter average days on market. Households here earn $109,512/year on average — 12% above the NSW suburb median of $97,552 — a modest premium that supports resilient owner-occupier demand. Rent of $420/week (84% coverage of the $2,167/month median mortgage) leaves a gap of roughly $347/month that a typical investor bridges with negative gearing, depreciation and capital growth. At 26 km from Sydney, Toongabbie is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price. Only 55% 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.
Middle-ring locations like this one historically reward patient holders — focus on homes near catchment-zone schools and major transport. Local rents consume roughly 20% of household income — a useful sanity check on tenant affordability.
How Toongabbie stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Toongabbie sits above the state median; negative means below.
| Metric | Toongabbie | NSW median | Δ vs state |
|---|---|---|---|
| Population | 16,177 | 5,325 | +204% |
| Median household income | $109,512/yr | $97,552/yr | +12% |
| Median rent (weekly) | $420 | $430 | -2% |
| Median mortgage (monthly) | $2,167 | $2,167 | 0% |
| Distance to CBD | 26 km | 45 km | -42% |
| Separate houses | 55% | 76% | -21pp |
Pre-inspection briefing for Toongabbie — every item is derived from public datasets, with full citations in our data sources page.
Solid buy-and-hold profile: a population of 16,177 and household income close to the NSW median ($109,512 vs $97,552) give the market enough depth for patient capital growth without the premium entry price of inner suburbs.
Moderate rental coverage: rent of $420/week covers 84% of a $2,167/month mortgage, leaving a $347/month gap that an investor bridges with equity, depreciation and tax benefits.
Only 55% 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 Toongabbie property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Property values in Toongabbie should track the wider New South Wales market through 2026, with the $109,512/year median household income (12% above the $97,552 state median) keeping the suburb firmly mid-pack. Rental coverage runs at ~84% of the typical mortgage ($1,820/month rent vs $2,167/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 73/100 places Toongabbie 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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Toongabbie scores 73/100 on our EquitySight investment framework — a good rating. That score is driven by a population of 16,177, median household income of $109,512/year and median weekly rent of $420. 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 Toongabbie are an above-state-median household income of $109,512/year, a dwelling mix that is 55% separate houses, roughly 4 schools and 6 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.
Toongabbie has a usual resident population of approximately 16,177, compared with a New South Wales suburb median of 5,325 — placing it in the upper 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.
Toongabbie sits 26 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 $420 in Toongabbie, equating to approximately $21,840/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 Toongabbie is $2,167, or approximately $26,004/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 $420 works out to $1,820/month, covering 84% of the median mortgage repayment of $2,167/month. That leaves a $347/month shortfall (around $4,164/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 interest-rate sensitivity on the $2,167 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.