Suburb Overview
Loy Yang is a regional centre in Victoria, Australia, with a population of approximately 7, making it a boutique locality. Located approximately 149 km from the Melbourne CBD, Loy Yang is a regional area in Victoria. The median household income is $71,000 per year.
Location
Key Indicators
Postcode
3844
Postcode for Loy Yang, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
7
Usual resident population at the most recent census.
Median weekly rent
N/A
A current median rent has not been published for this suburb.
Median household income
$71,000
Annual median household income (before tax) across all households.
Distance to CBD
149 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Housing
Median monthly mortgage
N/A
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
N/A
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Investment Insight
Loy Yang is a smaller community of 7 — about 0% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Loy Yang's median household income of $71,000/year is 25% below the Victoria suburb median ($95,160) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Loy Yang is 149 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Loy Yang vs Victoria Median
How Loy Yang stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Loy Yang sits above the state median; negative means below.
| Metric | Loy Yang | VIC median | Δ vs state |
|---|---|---|---|
| Population | 7 | 7,416 | -100% |
| Median household income | $71,000/yr | $95,160/yr | -25% |
| Distance to CBD | 149 km | 32 km | +366% |
Investor Checklist
Pre-inspection briefing for Loy Yang — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 7 residents — 0% of the VIC suburb median (7,416).
- Purchasing power: median household income $71,000/year (-25% vs Victoria suburb median of $95,160).
- Gross rental income: verify via realestate.com.au — median rent data was not captured for this suburb.
- CBD access: 149 km straight-line from Melbourne (state suburb median 32 km).
- Home mix: the housing-type split was not captured — verify on the ground.
- Rate stress-test: model your cash flow with rates 1–2 percentage points above current to ensure the investment survives a tightening cycle.
- Tenant rent burden: rent-to-income data not available — verify against state rental tribunal dashboards.
Investment Strategy
Limited buy-and-hold upside: a small population of 7 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Median rental data was not captured for Loy Yang. Use current realestate.com.au and Domain listings to triangulate a realistic weekly rent before committing, then feed that number into our rental yield calculator.
With a population of 7, the resale market in Loy Yang may not reliably reward cosmetic renovations — a longer hold is typically a better strategy at this scale, letting land-value appreciation do the work instead.
Risk Factors
- Interest-rate movements are the dominant macro risk for Loy Yang — model cash flow with a 1–2 percentage-point buffer above current rates to ensure the investment survives a tightening cycle.
- Income vulnerability: household incomes in Loy Yang are 25% below the Victoria median ($71,000 vs $95,160), which tends to compress rent growth and increases exposure to local unemployment shocks.
- Liquidity risk: with 7 residents, Loy Yang has a thinner pool of buyers and tenants than larger suburbs. Expect longer days-on-market on resale and budget for potential vacancy gaps between tenancies.
- Commute distance: at 149 km from the nearest CBD, Loy Yang depends on local employment rather than city-driven commuter demand, which amplifies the market's sensitivity to regional industry slowdowns.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Loy Yang regardless of local market conditions.
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Start your first-home journey →2026 Outlook
Capital-growth expectations for Loy Yang are modest for 2026 — incomes 25% below the VIC median of $95,160 and a population of 7 suggest gains will lag headline metro markets. Rental fundamentals will need to be verified against live listings, as a clean median rent was not recorded for Loy Yang. Overall investor sentiment for Loy Yang is cautious heading into the second half of 2026, based on its income, rent and mortgage profile relative to the Victoria median.
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Frequently Asked Questions
Is Loy Yang a good suburb for investment?
Whether Loy Yang suits you depends on your strategy, but the fundamentals are concrete: a population of 7, a median household income of $71,000/year. Weigh those against your goal — cash flow, capital growth, or a value-add renovation — each of which we break down with suburb-specific ABS numbers elsewhere on this page.
What drives property demand in Loy Yang?
The main demand drivers in Loy Yang are a median household income of $71,000/year. Together these shape both owner-occupier and tenant demand.
What is the population of Loy Yang?
Loy Yang has a usual resident population of approximately 7, compared with a Victoria suburb median of 7,416 — 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.
How far is Loy Yang from the Melbourne CBD?
Loy Yang sits 149 km straight-line from the Melbourne CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
What is the median rent in Loy Yang?
A reliable median rent was not captured for Loy Yang. Benchmark expected weekly rent on realestate.com.au and Domain, or the state rental tribunal's rent dashboard. Most Australian investors target a 4–5% gross yield as a baseline.
What is the typical mortgage repayment in Loy Yang?
A reliable median mortgage figure was not captured for Loy Yang. Use our loan serviceability calculator to estimate a realistic monthly repayment for your target purchase price and deposit.
Is Loy Yang cash-flow positive for investors?
Census data was not complete enough in Loy Yang 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.
What are the main risks of investing in Loy Yang?
The main risks are a thin buyer pool (7 residents), interest-rate sensitivity, below-median household incomes ($71,000 vs $95,160 state median), the broader Victoria market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
How we built this Loy Yang profile
The population, postcode, median household income, and dwelling mix on this page are real figures from the ABS 2021 Census (income is the ABS median weekly household income annualised) and Australia Post. Distance to the CBD is calculated from the suburb's ABS centroid. The Census median rent and mortgage repayment are 2021 figures and are clearly labelled as such wherever they appear — they are five years old and have moved substantially since. We do not publish an investment score or school/park counts for this suburb. See our methodology and data sources for exactly what's measured and what's estimated.