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ABS 2021 Census · Updated 21 May 2026
Woy Woy is a coastal suburb in New South Wales, Australia, with a population of approximately 11,072, making it a smaller community. Located approximately 41 km from the Sydney CBD, Woy Woy is a coastal area in New South Wales. The median household income is $59,852 per year.
Lower income levels in Woy Woy typically translate to more affordable entry points for investors. Coastal lifestyle appeal adds a premium that supports long-term demand.
Official Australia Post postcode for Woy Woy. 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 3 schools within or near this suburb.
Find schools near Woy Woy on My School →Estimated 4 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 11,072 residents, Woy Woy is one of New South Wales's more populous suburbs — roughly 2.1× 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. Woy Woy's median household income of $59,852/year is 39% 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. Rent of $380/week (87% coverage of the $1,900/month median mortgage) leaves a gap of roughly $253/month that a typical investor bridges with negative gearing, depreciation and capital growth. At 41 km from Sydney, Woy Woy is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price. 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.
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. Local rents consume roughly 33% of household income — a useful sanity check on tenant affordability.
How Woy Woy stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Woy Woy sits above the state median; negative means below.
| Metric | Woy Woy | NSW median | Δ vs state |
|---|---|---|---|
| Population | 11,072 | 5,325 | +108% |
| Median household income | $59,852/yr | $97,552/yr | -39% |
| Median rent (weekly) | $380 | $430 | -12% |
| Median mortgage (monthly) | $1,900 | $2,167 | -12% |
| Distance to CBD | 41 km | 45 km | -9% |
| Separate houses | 57% | 76% | -19pp |
Pre-inspection briefing for Woy Woy — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 39% below the NSW median ($59,852 vs $97,552) means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Strong rental coverage: $380/week (~$1,647/month) covers 87% of the $1,900/month median mortgage repayment, so the shortfall sits at just $253/month. Investors targeting positive cash flow should shortlist this suburb.
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 Woy Woy property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Woy Woy are modest for 2026 — incomes 39% below the NSW median of $97,552 suggest gains will lag headline metro markets. Rental coverage runs at ~87% of the typical mortgage ($1,647/month rent vs $1,900/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 47/100 places Woy Woy in the mid tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Woy Woy scores 47/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 11,072, median household income of $59,852/year and median weekly rent of $380. 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 Woy Woy are a median household income of $59,852/year, a dwelling mix that is 57% separate houses, roughly 3 schools and 4 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.
Woy Woy has a usual resident population of approximately 11,072, 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.
Woy Woy sits 41 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 $380 in Woy Woy, equating to approximately $19,760/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 Woy Woy is $1,900, or approximately $22,800/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 $380 works out to $1,647/month, covering 87% of the median mortgage repayment of $1,900/month. That leaves a $253/month shortfall (around $3,036/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 $1,900 median mortgage, below-median household incomes ($59,852 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.