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Suburb profile ·Sutherland Shire LGA · NSW ·2225

Oyster Bay NSW 2225

Oyster Bay is in Sutherland Shire LGA, NSW, postcode 2225, with population 5,689.

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.

$810/wk
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2225 · Jun 2026 · sparse signal
$1400
$780
Jun 2025Jun 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.

Read full evidence → Compare suburb Run calculator
Median house
$1.7M
House median, latest period
↓13.9%YoY D9 vs AU
Median rent
$810/wk
Income-stretched rent market
≈D10 vs AU
Gross yield
2.5%
Low yield band
D8 vs AU
Population
5,689
6K local footprint
D10 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
38 min
31.7 km to Sydney CBD · free-flow
Transit to city
76 min
Public transport to Sydney CBD · weekday 8am
Solar
673
69 added 12mo · 5MW
Price cycleCorrecting
LowPeak

13.9% below peak · 181.5% above its low

See trend depth →

Price history

House and unit medians · ABS + state datasets

Houses to Q4'25 · Units to Q4'24 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Derived from this suburb's own price, rent and income history
Cycle positionCorrecting
Low · 2005Peak · 2025

13.9% below peak · 181.5% above its low

Price growth (compound)% per year
3-yr
-2.4%
5-yr
-0.1%
10-yr
+2.2%
Affordability trajectoryWorsening
Price
+6.3%/yr
Income
+4.8%/yr

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

Indicative cashflow-$1,020/wk (-$53,018/yr) · interest-only @ 6.4%, 80% LVR
Market turnover3.3% of homes traded/yr (61 sales · -19% vs 3-yr avg)
Value vs advantage+4% vs suburbs of similar SEIFA advantage (decile 10)

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).

Investor profile

Who invests in Oyster Bay

Owner-occupied 90%Rented 10%
Investor activityATO
Negatively geared11.1%
395 of 766 landlords
Avg rental loss$9,551/yr
Landlords (rental income)766
Reported capital gains482
Investor exposure index(low vs national)18.5/100
The read

Owner-occupier stronghold

89% of homes here are owner-occupied and 10% rented, with 11% of landlords negatively geared.

Why it fits

89% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.5% 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
60%
of household income to service a new loan
13.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $8,097/mo vs median rent $3,510/mo (+131% · +$1059/wk)

If rates move

At 4.2%: $6,465/mo (-1,632) · at 6.2% (current): $8,097/mo · at 8.2%: $9,885/mo (+1,788)

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.

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
10.1x
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 $3,190/mo, while renters pay about $3,510/mo — renting runs $320/mo higher on these medians.

Median price
$1.65M
Household income · yr
$163K
Median rent · wk
$810
Owner mortgage · mo
$3,190
Gross yield
2.5%

Household income

ABS Census · ATO
$163K household · yr+98.2% vs NSW suburb median
Personal
$57K
Family
$177K
Household
$163K
Household income distribution (ABS Census 2021 · weekly)fewer than 37% could service the median house
Under $300
43
$300-649
92
$650-999
142
$1,000-1,499
151
$1,500-1,999
111
$2,000-2,999
275
$3,000-3,999
259
$4,000+
634

Serviceability line: a household needs about $6,228/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 44% of households here would spend more than 30% of income on rent (rent stress line: $2,700/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$60K → $72K

Housing stock and tenure

ABS Census 2021
Tenure (1,799 households)1.2% social housing
Owned outright
39%
Owned with mortgage
50%
Rented
10%
Dwelling structure3.5% of dwellings unoccupied on census night
Separate house
80%
Townhouse / semi
18%
Flat / apartment
2%

Getting to work: 41% drive, 2% public transport, 1% walk or cycle, 53% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

ACARA 2025
Total1
Avg ICSEA1098
Students416
Government1
  • Oyster Bay Public SchoolPrimary · Government · ICSEA 1098

Livability

OSM · GTFS · schools + hospitals
52/ 100 livability index

Top 48% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 52% of Australian suburbs
WeakerTypicalStronger
Everyday access36
Public transport (32 stops)70
Schools & hospitals25

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
4,056
1,700 per 100k
D2 vs AU

Crime

lga
Rate · per 100k1,700
Total incidents4,056· April 2025 - March 2026
  • Assault1,22868%
  • Sexual Offences29216%
  • Robbery181%
  • Break And Enter25914%

Development screen

Could a secondary dwelling be worth investigating?

Some supporting context
secondary dwelling / granny flat screening context Medium broad constraint context

Policy position

Official policy reviewed

Permitted in residential zones under the Housing SEPP; may be approved by consent or as complying development when Housing SEPP and Codes SEPP standards are met.

Rental use: Secondary dwelling rental use is allowed as a dwelling use, subject to planning and tenancy rules.

Open official policy source

Separate houses

77.1%

Suburb share of occupied private dwellings recorded as separate houses.

Near the state median

State median 77.5% · 1,253 valid suburbs

Residential-zone context

30.9%

Broad suburb sampling only; the property zoning and overlays can differ.

11.4 pp below the state median

State median 42.3% · 1,245 valid suburbs

Rental households

9.7%

Demand context only; it does not establish permission to rent a secondary dwelling.

16.2 pp below the state median

State median 25.9% · 1,253 valid suburbs

Mapped hazards

bushfire moderate

The staged suburb layer indicates a broad-area constraint that needs address-level checking. No broad-area layer staged for this suburb.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Source reviewed

    State policy position

    QuickProperty reviewed the official secondary dwelling / granny flat policy source.

  2. 02 Property dependent

    Planning pathway

    Test consent or complying-development eligibility, including the 450 m² lot marker and all other standards.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: Oyster Bay unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Oyster Bay, NSW 2225 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

Building due diligence

Construction requirements can change by location.

1 broad-area layer staged

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone land

Low broad-area context

About 10.7% of the suburb intersects mapped bushfire-prone land.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire exposure

NSW RFS Bush Fire Prone Land
Low exposure ~10.7%
~10.7% 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.

Short-term rentals

Inside Airbnb
6
active listings · ~1.1 per 1,000 residents
67%
entire homes (vs private rooms)
17%
run by multi-listing operators

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

NSW Land Zoning (EPI)
Dominant zone Environmental Management
Residential 44% Public / Open space 40% Other 8%
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 · Oyster Bay - Como - Jannali SA2 area · 2022 base
22,248 people · 202223,139 by 2032 (+4.0%)

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

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

Oyster Bay is a medium-sized suburb in New South Wales within the Sutherland Shire local government area (postcode 2225). It is home to about 5,689 residents, with a settled mid-life population and a median age of 40. Households earn a median income of $163K per year, with an average household size of 3.1 people. 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, managers, clerical & administrative. Employment in the area leans toward professional services and construction. The top ancestries reported are English, Australian, Irish.

Oyster Bay has a median house price of $1.7 million, which has fallen sharply by 13.9% year-on-year. Units have a median price of $1.3 million (-2% YoY). The current median weekly rent is $810. This gives a gross rental yield of approximately 2.5%. The median monthly mortgage repayment is $3,190.

Oyster Bay is served by 1 school, including 1 primary. The average ICSEA score is 1098, which is above the national average of 1,000. Public transport access includes 32 bus stops. The crime rate in the Sutherland Shire LGA is low at 1,700 incidents per 100,000 population.

On the investment side, Oyster Bay shows a gross rental yield of approximately 2.5%, rated as low yield. Property prices are near the state median ($1.7M/$1.5M). The price-to-income ratio of 10.1x is considered stretched. House prices have moved -13.9% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield2.5%↓ Low Yield
Price vs State$1.7M/$1.5M· Near Median
Affordability10.1x↓ Stretched
Price Momentum-13.9%↓ Falling
InvestmentNSW
Mortgage · mth$3,190
Rent · wk(Census)$620
Market rent · wk(2026-06)$810
Gross yield2.0%
Price / income10.1x
Sales vol (latest Q)(2025-Q4)10
Property investors · Postcode 2225ATO
Negatively geared11.1%
395 of filers
Avg rental loss$9,551/yr
Landlords (rental income)766
Reported capital gains482
People & prosperity
DemographicsCensus 21
Population5,689
Median age40
Household size3.1
HH income · wk$3,137
Personal income · wk$1,096
Persons / bedroom0.8
IncomeATO 22-23
Median income$72,401
Mean income$93,971
Earners15,158
YoY change+6.2%
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)10/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,594 → $3,137
Change+20.9%
vs NSW median+0.3 pp
Median rent+6.9%
stablevs NSW 2016–21
Top occupationsCensus
Professionals873Managers602Clerical & Administrative407Technicians & Trades300Community & Personal Service231
Top industriesCensus
Professional Services350Construction341Education328Healthcare313Retail Trade218
Top ancestryCensus
English2,336Australian2,242Irish820Scottish584Italian234
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies1
GP / clinics0
Fuel stations1
Cafes & dining1
TransportGTFS
Bus stops32
Hospitals · Sutherland Shire LGAAIHW
Public1
Private5
Sutherland Hospitalpublic
Kareena Private Hospitalprivate
Miranda Eye Surgical Centreprivate
President Private Hospitalprivate
Ramsay Surgical Centre Mirandaprivate
Southside Cancer Care Centreprivate
Aged care · Sutherland Shire LGAGEN
Facilities25
Residential places2,674
IRT Thomas Holt Kirrawee253 places
St Vincent's Care Services Heathcote213 places
Moran Sylvania183 places
Anglicare Goodhew Gardens & Bay Breeze171 places
Pathways Cronulla Pines169 places
Moran Engadine156 places
+19 more in Sutherland Shire LGA
Childcare · Sutherland Shire LGAACECQA
Services200
Approved places11,958
Exceeding NQS53
SCECS OSHC St John Bosco Engadine311 places
Gymea Bay Care & Leisure Centre Inc.180 places
ORCHARD EARLY LEARNING CENTRE KIRRAWEE164 places
Anzac Road Before & After School Care Incorporated155 places
Chapter 1 Early Learning150 places
St Catherine Laboure Before and After School Care144 places
+194 more in Sutherland Shire LGA
Nearby in Sutherland Shire LGA12
Bangor$1.7M · 5,536Heathcote$1.6M · 6,148Como$1.7M · 4,053Barden Ridge$1.8M · 4,129Loftus$1.8M · 4,190Gymea Bay$2.0M · 6,983Jannali$1.8M · 6,632Illawong$2.2M · 7,427Woolooware$2.5M · 5,060Kareela$1.8M · 3,572Gymea$2.0M · 8,219Menai$1.8M · 10,419
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

Oyster 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-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 · 2026-06 · 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 · 1 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 · 32 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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

Oyster Bay sits in Sydney — explore the metro.

Oyster Bay FAQ

Common questions
  1. What LGA is Oyster Bay in?

    Oyster Bay is in the Sutherland Shire Local Government Area, NSW, postcode 2225. Council-level context for Sutherland Shire LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

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

    The current median house price in Oyster Bay, NSW is $1.7M, 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 Oyster Bay?

    The median weekly rent in Oyster Bay is $810/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 Oyster Bay?

    Income-stretched rent market: Weekly rent screens at about 58% 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 Oyster Bay a good investment?

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

  6. Where does QuickProperty get its data for Oyster 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 Oyster 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.