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Suburb profile ·Georges River LGA · NSW ·2217

Kogarah Bay NSW 2217

Kogarah Bay is in Georges River LGA, NSW, postcode 2217, with population 2,102.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$750/wk
Rising
+10.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2217 · May 2026
$750
$678
Mar 2025May 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case.

Median house
$2.4M
House median, latest period
3.7%YoY D10 vs AU
Median rent
$750/wk
Income-stretched rent market
10.3%YoY D10 vs AU
Gross yield
1.6%
Low yield band
D4 vs AU
Population
2,102
2K local footprint
D8 vs AU
Schools
No matched school data
Drive to city
21 min
18.2 km to Sydney CBD · free-flow
Transit to city
56 min
Public transport to Sydney CBD · weekday 8am
Solar
1,352
116 added 12mo · 11MW
Price cycleRising
LowPeak

3.7% below peak · 285.2% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRising
Low · 2006Peak · 2024

3.7% below peak · 285.2% above its low

Price growth (compound)% per year
3-yr
+0.1%
5-yr
+5.8%
10-yr
+6.8%
Affordability trajectoryWorsening
Price
+11.2%/yr
Income
+6.4%/yr

Growth in median price vs median household income — worsening — prices outgrowing incomes.

Indicative cashflow-$1,734/wk (-$90,162/yr) · interest-only @ 6.2%, 80% LVR
Market turnover6.9% of homes traded/yr (47 sales · +24% vs 3-yr avg)
Rent stabilitystable — rents vary ±2.8% around trend (short window, 15 pts)
Value vs advantage+71% vs suburbs of similar SEIFA advantage (decile 9)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size).

Investment grade

Dgrade · 26/100 · top 74% of 3,605AU suburbs
Peer distributionstronger than 26% of AU suburbs
WeakerTypicalStronger
Capital growth44
Rental yield9
Stability83
Volatility-10.2ppCycle+2.0Affordability-1.5

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Kogarah Bay

Owner-occupied 86%Rented 14%
Investor activityATO
Negatively geared8.5%
1,682 of 3,466 landlords
Avg rental loss$11,480/yr
Landlords (rental income)3,466
Reported capital gains1,530
Investor exposure index(moderate vs national)53.1/100
The read

Owner-occupier stronghold

85% of homes here are owner-occupied and 14% rented, with 9% of landlords negatively geared.

Why it fits

85% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.6% is thin — returns here lean on capital growth, not cash flow.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

105%
of household income to service a new loan
24.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $11,547/mo vs median rent $3,250/mo (+255% · +$1915/wk)

If rates move

At 4.0%: $9,195/mo (-2,352) · at 6.0% (current): $11,547/mo · at 8.0%: $14,132/mo (+2,585)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Higher yield

similar price · cross-LGA

Stronger 5-yr growth

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying
18.3x
median home price as a multiple of annual household income
Stretched
Renting
30%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,963/mo, while renters pay about $3,250/mo — renting runs $287/mo higher on these medians.

Median price
$2.41M
Household income · yr
$131K
Median rent · wk
$750
Owner mortgage · mo
$2,963
Gross yield
1.6%

Household income

$131K household · yr+59.7% vs NSW suburb median
Personal
$44K
Family
$144K
Household
$131K
Household income distribution (ABS Census 2021 · weekly)fewer than 28% could service the median house
Under $300
26
$300-649
46
$650-999
58
$1,000-1,499
66
$1,500-1,999
58
$2,000-2,999
97
$3,000-3,999
95
$4,000+
174

Serviceability line: a household needs about $8,883/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 50% of households here would spend more than 30% of income on rent (rent stress line: $2,500/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$48K → $61K

Housing stock and tenure

Tenure (663 households)
Owned outright
47%
Owned with mortgage
39%
Rented
14%
Dwelling structure4.7% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
4%
Flat / apartment
1%

Getting to work: 45% drive, 2% public transport, 1% walk or cycle, 49% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

14/ 100 livability index

Top 86% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 14% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (16 stops)47
Schools & hospitals0

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Crime April 2025 - March 2026
3,268
2,022 per 100k
D3 vs AU

Crime

Rate · per 100k2,022
Total incidents3,268· April 2025 - March 2026
  • Assault83765%
  • Sexual Offences17313%
  • Robbery141%
  • Break And Enter26521%

Bushfire exposure

No mapped exposure ~0.0%
~0.0% of the suburb is Bush Fire Prone Land

Estimated exposure to NSW RFS Bush Fire Prone Land (CC BY), point-sampled across the suburb. This shows how much of the suburb sits within the official hazard layer — it is not a Bushfire Attack Level (BAL) rating or a property-level assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Planning zones

Dominant zone Low Density Residential
Residential 86% Public / Open space 10% Other 2%
Residential density: Low · 1% growth-zoned

Land-use mix estimated by point-sampling the suburb against NSW EPI Land Zoning polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Population outlook

16,361 people · 202218,694 by 2032 (+14.3%)

ABS population projection (2022 base) for the Kogarah Bay - Carlton - Allawah SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
Kogarah Bay NSW — Property Data and Demographics

Kogarah Bay (postcode 2217) is a compact suburb in New South Wales within the Georges River local government area. It is home to about 2,102 residents, with an established demographic and a median age of 44. Households earn a median income of $131K per year, with an average household size of 3.1 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.3% year-on-year at the LGA level. NSW employment has moved +1.2% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. NSW also had 35 Commonwealth-backed major projects under construction, 17 underway, and 67 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are professionals, clerical & administrative, managers. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are Greek, Australian, English.

Kogarah Bay has a median house price of $2.4 million, which has declined by 3.7% year-on-year. Units have a median price of $1.1 million. The current median weekly rent is $750. This gives a gross rental yield of approximately 1.6%. The median monthly mortgage repayment is $2,963.

Public transport access includes 5 ferry wharfves, 11 bus stops. The crime rate in the Georges River LGA is below average at 2,022 incidents per 100,000 population.

On the investment side, Kogarah Bay shows a gross rental yield of approximately 1.6%, rated as low yield. Property prices are above the state median ($2.4M/$1.5M), placing it in the premium segment. The price-to-income ratio of 18.3x is considered stretched. House prices have moved -3.7% year-on-year. Population growth of +1.3% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield1.6% Low Yield
Price vs State$2.4M/$1.5M Above Median
Affordability18.3x Stretched
Price Momentum-3.7% Falling
Pop. Growth+1.3%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,963
Rent · wk(Census)$650
Market rent · wk(2026-05)$750
Gross yield1.4%
Price / income18.3x
Sales vol (latest Q)(2025-Q3)13
Population growth · Georges River LGAABS ERP
Population (2025)163,919
5-year growth+1% CAGR
YoY change+1.3%
20012025
Development · Georges River LGAABS Approvals
Approvals (2026)518
Houses 34%Units 66%
YoY change+0%
Employment · Georges River LGASALM
Unemployment (Dec-25)2.7%
YoY change+0.1pp
Dec-10Dec-25
Property investors · Postcode 2217ATO
Negatively geared8.5%
1,682 of filers
Avg rental loss$11,480/yr
Landlords (rental income)3,466
Reported capital gains1,530
People & prosperity
DemographicsCensus 21
Population2,102
Median age44
Household size3.1
HH income · wk$2,528
Personal income · wk$837
Persons / bedroom0.8
IncomeATO 22-23
Median income$61,170
Mean income$72,250
Earners11,478
YoY change+12.5%
SEIFA indexABS
Advantage (IRSAD)9/10
Education (IEO)9/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,051 → $2,528
Change+23.3%
vs NSW median+2.7 pp
Median rent+15.5%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops11
Ferry wharves5
Carlton Cres At Wharf Rd
Elizabeth Corry Reserve, Wharf Rd
Wharf Rd After Mayor St
Wharf Rd At Carlton Cres
Wharf Rd Before Mayor St
Hospitals · Georges River LGAAIHW
Public1
Private3
Calvary Health Care - Sydneypublic
Hurstville Privateprivate
Vision Day Surgery Hurstvilleprivate
Waratah Private Hospitalprivate
Aged care · Georges River LGAGEN
Facilities17
Residential places1,476
Ferndale Gardens Aged Care Facility136 places
Georges Estate Health & Aged Care121 places
Uniting Banks Lodge Peakhurst114 places
Peakhurst Nursing Home110 places
Regis Hurstville110 places
Blakehurst Aged Care Centre107 places
+11 more in Georges River LGA
Childcare · Georges River LGAACECQA
Services98
Approved places5,253
Exceeding NQS16
Kogarah Community Services Inc145 places
The Grove Academy - Oatley132 places
3Bridges Community Penshurst130 places
Oatley Adventure OSHC130 places
Rise & Shine Kindergarten - Kogarah112 places
Attunga Cottage Before and After School Care105 places
+92 more in Georges River LGA
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Sources & freshness
Strong evidence

Kogarah Bay carries enough direct local evidence for a first-pass decision.

QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.

PRICE POSTURE
NSW price medians are parser-guarded official records.

Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records

RENT POSTURE
Rent is using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
NSW Valuer General · 2025-Q3 · Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records
medium stability · automated · every update · weekly
Available
Market rent
NSW Fair Trading · 2026-05 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 16 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

Kogarah Bay FAQ

Common questions
  1. What LGA is Kogarah Bay in?

    Kogarah Bay is in the Georges River Local Government Area, NSW, postcode 2217. Council-level context for Georges River LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Kogarah Bay?

    The current median house price in Kogarah Bay, NSW is $2.4M, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in Kogarah Bay?

    The median weekly rent in Kogarah Bay is $750/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Kogarah Bay?

    Income-stretched rent market: Weekly rent screens at about 64% of annual income. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  5. Is Kogarah Bay a good investment?

    QuickProperty's investment signals for Kogarah Bay show: Low Yield, Above Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Kogarah Bay?

    Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.

  7. How often is the Kogarah Bay data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.