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ABS 2021 Census · Updated 21 May 2026
Point Lonsdale is a coastal suburb in Victoria, Australia, with a population of approximately 3,788, making it a boutique locality. Located approximately 60 km from the Melbourne CBD, Point Lonsdale is a coastal area in Victoria. The median household income is $80,808 per year.
Point Lonsdale has a solid income profile that supports reliable occupancy rates. The coastal setting provides a lifestyle factor that underpins property values.
Official Australia Post postcode for Point Lonsdale. 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 Point Lonsdale on My School →Estimated 2 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.
Point Lonsdale is a smaller community of 3,788 — about 51% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Household income of $80,808/year is 15% below the Victoria median of $95,160, typically translating into lower entry prices and a tenant base more sensitive to rent increases. Median weekly rent of $420 equates to $1,820/month — about 91% of the median mortgage repayment of $2,000/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Point Lonsdale is 60 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 51% of dwellings are separate houses (vs 78% 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 27% of household income — a useful sanity check on tenant affordability.
How Point Lonsdale stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Point Lonsdale sits above the state median; negative means below.
| Metric | Point Lonsdale | VIC median | Δ vs state |
|---|---|---|---|
| Population | 3,788 | 7,416 | -49% |
| Median household income | $80,808/yr | $95,160/yr | -15% |
| Median rent (weekly) | $420 | $380 | +11% |
| Median mortgage (monthly) | $2,000 | $1,950 | +3% |
| Distance to CBD | 60 km | 32 km | +88% |
| Separate houses | 51% | 78% | -27pp |
Pre-inspection briefing for Point Lonsdale — every item is derived from public datasets, with full citations in our data sources page.
Moderate buy-and-hold potential: Point Lonsdale's 3,788-person market and $80,808 median household income work for investors who are selective on street location and property quality rather than counting on a suburb-wide rerating.
Strong rental coverage: $420/week (~$1,820/month) covers 91% of the $2,000/month median mortgage repayment, so the shortfall sits at just $180/month. Investors targeting positive cash flow should shortlist this suburb.
Only 51% of dwellings are separate houses (vs 78% VIC 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 Point Lonsdale property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Point Lonsdale are modest for 2026 — incomes 15% below the VIC median of $95,160 and a population of 3,788 suggest gains will lag headline metro markets. Rental coverage runs at ~91% of the typical mortgage ($1,820/month rent vs $2,000/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 53/100 places Point Lonsdale in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Point Lonsdale scores 53/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 3,788, median household income of $80,808/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 Point Lonsdale are a median household income of $80,808/year, a dwelling mix that is 51% separate houses, roughly 1 schools and 2 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.
Point Lonsdale has a usual resident population of approximately 3,788, 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.
Point Lonsdale sits 60 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.
The most recent census recorded a median weekly rent of $420 in Point Lonsdale, equating to approximately $21,840/year in gross rental income (state median $380/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 Point Lonsdale is $2,000, or approximately $24,000/year (vs $1,950/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 91% of the median mortgage repayment of $2,000/month. That leaves a $180/month shortfall (around $2,160/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 (3,788 residents), interest-rate sensitivity on the $2,000 median mortgage, below-median household incomes ($80,808 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.
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.