Suburb Overview
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.
Location
Key Indicators
Postcode
3225
Postcode for Point Lonsdale, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
3,788
Usual resident population at the most recent census.
Median weekly rent
$420/wk
Median weekly rent recorded at the 2021 Census — market rents have risen since, so treat this as a dated baseline, not a current figure.
Median household income
$80,808
Annual median household income (before tax) across all households.
Distance to CBD
60 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Sale prices & yield
Median house price
$1,050,000
Median house sale price — as at 2025 (preliminary), Valuer-General Victoria (CC BY 4.0).
Housing
Median monthly mortgage
$2,000/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
51% houses
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Why People Like Living in Point Lonsdale
- Regional location about 60 km from Melbourne.
- Local parks and reserves (around 2) within easy reach.
- Reasonable transport access — car-friendly with some public transport options.
- Beach lifestyle with coastal walks and outdoor recreation on the doorstep.
Who Point Lonsdale Suits
Pros and Cons
Pros
- Rent sits within an affordable share of local incomes, supporting tenant demand.
- Solid transport links into employment hubs.
- Coastal lifestyle attracts renters and owner-occupiers alike.
Cons
- Long distance to the CBD (60 km) — plan for commute time or local employment.
- Fewer schools inside the suburb itself — verify catchments for neighbouring areas.
Investment Insight
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. At the 2021 Census, median weekly rent of $420 equated to $1,820/month — about 91% of the then-median mortgage repayment of $2,000/month. Both figures have moved substantially since 2021, so treat the ratio as a historical signal that this suburb leaned cash-flow-friendly, and verify against current listings and rates. 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.
Investment Tip
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. At the 2021 Census, local rents consumed roughly 27% of household income — a dated but useful sanity check on tenant affordability.
Point Lonsdale vs Victoria Median
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, 2021 Census) | $420 | $380 | +11% |
| Median mortgage (monthly, 2021 Census) | $2,000 | $1,950 | +3% |
| Distance to CBD | 60 km | 32 km | +88% |
| Separate houses | 51% | 78% | -27pp |
Investor Checklist
Pre-inspection briefing for Point Lonsdale — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 3,788 residents — 51% of the VIC suburb median (7,416).
- Purchasing power: median household income $80,808/year (-15% vs Victoria suburb median of $95,160).
- Cash-flow coverage (2021 Census): $420/week rent (≈ $1,820/month) covered ~91% of the $2,000/month median mortgage at the 2021 Census — verify against current rents and rates.
- CBD access: 60 km straight-line from Melbourne (state suburb median 32 km).
- Dwelling mix: 51% separate houses — mixed market (vs 78% state median).
- Rate stress-test: budget ~$200/month extra for a 1-percentage-point RBA rate rise on top of the $2,000/month median repayment.
- Tenant rent burden: 27% of the median household income is spent on rent — within normal range.
Investment Strategy
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 at the 2021 Census: $420/week (~$1,820/month) covered 91% of the $2,000/month median mortgage, a shortfall of just $180/month. Both rents and repayments have moved since 2021 — verify current figures, though this suburb has historically leaned cash-flow-friendly.
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.
Risk Factors
- Interest-rate sensitivity: the $2,000/month median mortgage in Point Lonsdale means a 1-percentage-point RBA rate rise could add roughly $200/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Income vulnerability: household incomes in Point Lonsdale are 15% below the Victoria median ($80,808 vs $95,160), which tends to compress rent growth and increases exposure to local unemployment shocks.
- Liquidity risk: with 3,788 residents, Point Lonsdale 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 60 km from the nearest CBD, Point Lonsdale 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 Point Lonsdale regardless of local market conditions.
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Start your first-home journey →2026 Outlook
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. At the 2021 Census, rental coverage ran at ~91% of the typical mortgage ($1,820/month rent vs $2,000/month repayment), keeping cash flow in positive or near-neutral territory. Verify against current rents and rates. Overall investor sentiment for Point Lonsdale is balanced 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 Point Lonsdale a good suburb for investment?
Whether Point Lonsdale suits you depends on your strategy, but the fundamentals are concrete: a population of 3,788, a median household income of $80,808/year and median weekly rent of $420. 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 Point Lonsdale?
The main demand drivers in Point Lonsdale are a median household income of $80,808/year, a dwelling mix that is 51% separate houses. Together these shape both owner-occupier and tenant demand.
What is the population of Point Lonsdale?
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.
How far is Point Lonsdale from the Melbourne CBD?
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.
What is the median rent in Point Lonsdale?
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.
What is the typical mortgage repayment in Point Lonsdale?
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.
Is Point Lonsdale cash-flow positive for investors?
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.
What are the main risks of investing in Point Lonsdale?
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.
How we built this Point Lonsdale 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.