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Suburb profile ·Penrith LGA · NSW ·2745

Luddenham NSW 2745

Luddenham is in Penrith LGA, NSW, postcode 2745, with population 1,927.

The read

Growth-momentum

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.

$780/wk
Rising
+11.4% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2745 · May 2026
$800
$670
Mar 2025May 2026
Why it fits

Recent price movement shows visible market momentum. 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.

Read full evidence → Compare suburb Run calculator
Median house
$3.4M
House median, latest period
↑37.8%YoY D10 vs AU
Median rent
$780/wk
Rent-pressure candidate
↑11.4%YoY D10 vs AU
Gross yield
1.2%
Low yield band
D2 vs AU
Population
1,927
2K local footprint
D8 vs AU
Schools
2
Matched school context
D8 vs AU
Drive to city
55 min
63.5 km to Sydney CBD · free-flow
Solar
5,625
381 added 12mo · 45MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

House and unit medians · ABS + state datasets

Trend & investor depth

Derived from this suburb's own price, rent and income history
Cycle positionAt its peak
Low · 2009Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+7.9%
5-yr
+16.7%
10-yr
+13.9%
Indicative cashflow-$2,634/wk (-$136,980/yr) · interest-only @ 6.2%, 80% LVR
Market turnover5.6% of homes traded/yr (31 sales · +16% vs 3-yr avg)
Rent stabilitytypical — rents vary ±4.3% around trend (short window, 15 pts)
Value vs advantage+140% 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

Composite · growth · yield · stability
Fgrade · 8/100 · top 92% of 3,605AU suburbs
Peer distributionstronger than 8% of AU suburbs
WeakerTypicalStronger
Capital growth80
Rental yield3
Stability4
Volatility-33.7ppCycle-2.0

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 Luddenham

Owner-occupied 84%Rented 16%
Investor activityATO
Negatively geared10.2%
2,040 of 3,500 landlords
Avg rental loss$8,856/yr
Landlords (rental income)3,500
Reported capital gains1,224
Investor exposure index(low vs national)47.4/100
The read

Owner-occupier stronghold

83% of homes here are owner-occupied and 15% rented, with 10% of landlords negatively geared.

Why it fits

83% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.2% 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

RBA rate · ABS Census 2021 household income
126%
of household income to service a new loan
29.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $16,188/mo vs median rent $3,380/mo (+379% · +$2956/wk)

If rates move

At 4.0%: $12,890/mo (-3,298) · at 6.0% (current): $16,188/mo · at 8.0%: $19,812/mo (+3,624)

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

Similar-priced suburbs in other council areas that rate higher on a metric.

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 & renting · ABS Census + state data
Buying
21.9x
median home price as a multiple of annual household income
Stretched
Renting
26%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $3,000/mo, while renters pay about $3,380/mo — renting runs $380/mo higher on these medians.

Median price
$3.38M
Household income · yr
$154K
Median rent · wk
$780
Owner mortgage · mo
$3,000
Gross yield
1.2%

Household income

ABS Census · ATO
$154K household · yr+87.5% vs NSW suburb median
Personal
$52K
Family
$150K
Household
$154K
Household income distribution (ABS Census 2021 · weekly)fewer than 33% could service the median house
Under $300
21
$300-649
15
$650-999
44
$1,000-1,499
42
$1,500-1,999
47
$2,000-2,999
87
$3,000-3,999
74
$4,000+
165

Serviceability line: a household needs about $12,452/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 45% of households here would spend more than 30% of income on rent (rent stress line: $2,600/wk income).

Housing stock and tenure

ABS Census 2021
Tenure (528 households)
Owned outright
34%
Owned with mortgage
49%
Rented
15%
Dwelling structure6.2% of dwellings unoccupied on census night
Separate house
98%
Townhouse / semi
0%
Flat / apartment
1%

Getting to work: 56% drive, 0% public transport, 2% walk or cycle, 35% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

ACARA 2025
Total2
Avg ICSEA962
Students291
Catholic1
Government1
  • Luddenham Public SchoolPrimary · Government · ICSEA 911
  • Holy Family Primary SchoolPrimary · Catholic · ICSEA 1012

Livability

OSM · GTFS · schools + hospitals
55/ 100 livability index

Top 45% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 55% of Australian suburbs
WeakerTypicalStronger
Everyday access63
Public transport (9 stops)31
Schools & hospitals56

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
9,111
3,984 per 100k
D6 vs AU

Crime

lga
Rate · per 100k3,984
Total incidents9,111· April 2025 - March 2026
  • Assault2,35561%
  • Sexual Offences70918%
  • Robbery812%
  • Break And Enter70518%

Bushfire exposure

NSW RFS Bush Fire Prone Land
Severe exposure ~90.7%
~90.7% of the suburb is Bush Fire Prone Land · ~6.8% Category 1 (highest hazard)

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

NSW Land Zoning (EPI)
Dominant zone Infrastructure
Rural / Green wedge 41% Other 22% Commercial / Mixed 21% Public / Open space 10% Residential 4%
Residential density: Low

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

ABS projection · Mulgoa - Luddenham - Orchard Hills SA2 area · 2022 base
12,362 people · 202216,015 by 2032 (+29.6%)

ABS population projection (2022 base) for the Mulgoa - Luddenham - Orchard Hills SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

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

Luddenham (postcode 2745) is a close-knit residential community in New South Wales within the Penrith local government area. It is home to about 1,927 residents, with a mix of young professionals and families and a median age of 37. Households earn a median income of $154K per year, with an average household size of 3.5 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.2% 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 managers, clerical & administrative, technicians & trades. Employment in the area leans toward construction and retail trade. The top ancestries reported are Australian, English, Italian.

The median house price in Luddenham is $3.4 million, having climbed sharply by 37.8% over the past year. The current median weekly rent is $780. This gives a gross rental yield of approximately 1.2%. The median monthly mortgage repayment is $3,000.

Luddenham is served by 2 schools, including 2 primary. The average ICSEA score is 962, which is around the national average of 1,000. Public transport access includes 9 bus stops. The crime rate in the Penrith LGA is below average at 3,984 incidents per 100,000 population.

On the investment side, The gross rental yield works out to roughly 1.2%, which reads as low yield. Property prices are above the state median ($3.4M/$1.5M), placing it in the premium segment. The price-to-income ratio of 21.9x is considered stretched. House prices have moved +37.8% year-on-year. Population growth of +1.2% 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 Yield1.2%↓ Low Yield
Price vs State$3.4M/$1.5M↓ Above Median
Affordability21.9x↓ Stretched
Price Momentum+37.8%↑ Rising
Pop. Growth+1.2%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$3,000
Rent · wk(Census)$480
Market rent · wk(2026-05)$780
Gross yield0.7%
Price / income21.9x
Sales vol (latest Q)(2025-Q4)6
Population growth · Penrith LGAABS ERP
Population (2025)231,701
5-year growth+1.3% CAGR
YoY change+1.2%
20012025
Development · Penrith LGAABS Approvals
Approvals (2026)1,378
Houses 37%Units 63%
YoY change+0%
Employment · Penrith LGASALM
Unemployment (Dec-25)3.7%
YoY change-0.4pp
Dec-10Dec-25
Property investors · Postcode 2745ATO
Negatively geared10.2%
2,040 of filers
Avg rental loss$8,856/yr
Landlords (rental income)3,500
Reported capital gains1,224
People & prosperity
DemographicsCensus 21
Population1,927
Median age37
Household size3.5
HH income · wk$2,968
Personal income · wk$1,007
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)9/10
Education (IEO)7/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,234 → $2,968
Change+32.9%
vs NSW median+12.3 pp
Median rent+31.5%
gentrifyingvs NSW 2016–21
Top occupationsCensus
Managers210Clerical & Administrative173Technicians & Trades156Professionals148Community & Personal Service82
Top industriesCensus
Construction201Retail Trade91Education82Healthcare77Manufacturing72
Top ancestryCensus
Australian641English475Italian283Maltese191Irish117
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies1
GP / clinics1
Fuel stations2
Cafes & dining3
iga1
TransportGTFS
Bus stops9
Aged care · Penrith LGAGEN
Facilities13
Residential places1,270
Glenmore Park Care Community156 places
Boronia House130 places
SummitCare St Marys130 places
The Royce Manor128 places
SummitCare Penrith115 places
Anglicare Newmarch House102 places
+7 more in Penrith LGA
Childcare · Penrith LGAACECQA
Services187
Approved places12,470
Exceeding NQS34
Jordan Springs OSHCLUB355 places
Go Bananas Early Learning Centres205 places
Bright Minds Academy167 places
Ambrose School Age Care, Bethany, Glenmore Park165 places
Glenmore Park Early Learning Centre160 places
Greenwood Penrith159 places
+181 more in Penrith LGA
Nearby in Penrith LGA12
Berkshire Park$2.7M · 2,149Orchard Hills$4.6M · 1,798Llandilo$2.5M · 1,618Mount Vernon$3.6M · 1,235Castlereagh$2.7M · 1,248Mulgoa$1.6M · 2,044Londonderry$2.1M · 4,024Wallacia$1.2M · 1,711Leonay$1.3M · 2,582Cambridge Gardens$965K · 2,030Caddens$1.5M · 3,487Emu Heights$1.1M · 3,205
Tax calculatorsaustax.tools
Stamp Duty CalculatorNSW ↗Land Tax CalculatorNSW ↗Capital Gains Tax↗Depreciation Calculator↗Investment Property Tax↗
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Sources & freshness
Strong evidence

There is enough direct local evidence on Luddenham 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-Q4 · 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 · 2 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 9 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.
Greater Sydney

Luddenham sits in Sydney — explore the metro.

Luddenham FAQ

Common questions
  1. What LGA is Luddenham in?

    Luddenham is in the Penrith Local Government Area, NSW, postcode 2745. Council-level context for Penrith LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Luddenham?

    The current median house price in Luddenham, NSW is $3.4M, 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 Luddenham?

    The median weekly rent in Luddenham is $780/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Luddenham?

    Rent-pressure candidate: Luddenham rents screen above the local benchmark. 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 Luddenham a good investment?

    QuickProperty's investment signals for Luddenham 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 Luddenham?

    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 Luddenham 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.