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ABS 2021 Census · Updated 21 May 2026
Lower Cowley is a coastal suburb in Queensland, Australia, with a population of approximately 55, making it a boutique locality. Located approximately 1299 km from the Brisbane CBD, Lower Cowley is a coastal area in Queensland. The median household income is $58,500 per year.
Lower Cowley's income profile suggests a value-oriented market with competitive purchase prices. The coastal setting provides a lifestyle factor that underpins property values.
Official Australia Post postcode for Lower Cowley. 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 Lower Cowley 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.
Lower Cowley is a smaller community of 55 — about 1% of the Queensland suburb median (5,474) — so investors should factor in the narrower buyer pool and longer average time-on-market. Lower Cowley's median household income of $58,500/year is 35% below the Queensland suburb median ($90,298) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Rent of $215/week (83% coverage of the $1,127/month median mortgage) leaves a gap of roughly $195/month that a typical investor bridges with negative gearing, depreciation and capital growth. Lower Cowley is 1299 km from Brisbane, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
How Lower Cowley stacks up against the median of all Queensland suburbs in our dataset. Positive values mean Lower Cowley sits above the state median; negative means below.
| Metric | Lower Cowley | QLD median | Δ vs state |
|---|---|---|---|
| Population | 55 | 5,474 | -99% |
| Median household income | $58,500/yr | $90,298/yr | -35% |
| Median rent (weekly) | $215 | $385 | -44% |
| Median mortgage (monthly) | $1,127 | $1,733 | -35% |
| Distance to CBD | 1299 km | 62 km | +1995% |
| Separate houses | 83% | 77% | +6pp |
Pre-inspection briefing for Lower Cowley — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 55 means liquidity is thin and capital growth tends to lag the wider Queensland market over full cycles.
Moderate rental coverage: rent of $215/week covers 83% of a $1,127/month mortgage, leaving a $195/month gap that an investor bridges with equity, depreciation and tax benefits.
With 83% houses in a 55-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 Lower Cowley property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Lower Cowley are modest for 2026 — incomes 35% below the QLD median of $90,298 and a population of 55 suggest gains will lag headline metro markets. Rental coverage runs at ~83% of the typical mortgage ($932/month rent vs $1,127/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 33/100 places Lower Cowley 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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Lower Cowley scores 33/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 55, median household income of $58,500/year and median weekly rent of $215. 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 Lower Cowley are a median household income of $58,500/year, a dwelling mix that is 83% 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.
Lower Cowley has a usual resident population of approximately 55, compared with a Queensland suburb median of 5,474 — 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.
Lower Cowley sits 1299 km straight-line from the Brisbane 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 $215 in Lower Cowley, equating to approximately $11,180/year in gross rental income (state median $385/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 Lower Cowley is $1,127, or approximately $13,524/year (vs $1,733/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 $215 works out to $932/month, covering 83% of the median mortgage repayment of $1,127/month. That leaves a $195/month shortfall (around $2,340/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 (55 residents), interest-rate sensitivity on the $1,127 median mortgage, below-median household incomes ($58,500 vs $90,298 state median), the broader Queensland 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.