Church Point
With household income sitting at the 98.1st percentile nationally and a median house price of $3,560,000, Church Point stands among the most exclusive waterfront addresses in greater Sydney. The suburb's 1,066 residents have a median age of 54, which is 14 years above the national figure, and 58.9% of homes are owned outright with no mortgage. Car dependence is extreme at 87.4%, because the Pittwater foreshore location places the suburb well beyond walking distance of train lines. These three facts, exceptional wealth, an older age profile, and geographic isolation, are structurally linked.
Population
1,066
Median Age
54.0
Household IncomeiMedian weekly household income (ABS Census)
$3,182/wk
DAs (12 months)iDevelopment Applications lodged in the past year
26
Median House
$3.6M
2024-2025 (PSI derived)
The entry price for Church Point is steep: the median house price reached $3,560,000 in the most recent period, and 91.7% of the housing stock is detached separate houses. Monthly mortgage repayments average $3,600, yielding a mortgage-to-income ratio of 26.1%, which sits below the 30% stress threshold despite the high price because household incomes are in the 98.1st percentile nationally. Four-bedroom-plus homes account for 61.3% of all dwellings, well above the national mix, making this one of the largest-bedroom-per-home suburbs in NSW. With 58.9% of households owning outright and only 7.1% renting, competition for any listing is intense because the pool of willing sellers is small.
For Buyers
The entry price for Church Point is steep: the median house price reached $3,560,000 in the most recent period, and 91.7% of the housing stock is detached separate houses. Monthly mortgage repayments average $3,600, yielding a mortgage-to-income ratio of 26.1%, which sits below the 30% stress threshold despite the high price because household incomes are in the 98.1st percentile nationally. Four-bedroom-plus homes account for 61.3% of all dwellings, well above the national mix, making this one of the largest-bedroom-per-home suburbs in NSW. With 58.9% of households owning outright and only 7.1% renting, competition for any listing is intense because the pool of willing sellers is small.
For Investors
The rental market at Church Point is thin: only 7.1% of dwellings are rented, lower than almost any comparable suburb, and the vacancy rate of 5.9% signals supply can outpace local rental demand quickly. Weekly rent averages $1,073, which against the $3,560,000 median implies a gross yield below 1.6%. The investment case rests almost entirely on capital growth: prices rose 20.3% from $3,200,000 in 2024 to $3,850,000 in 2025. Development activity is moderate at 24 applications in the past 12 months, mostly alterations and single dwelling replacements. The 82% residential stability rate means very few properties come to market each year, which historically supports price floors in premium locations.
Development Activity
Total DAs
134
Last 12 Months
26
YoY ChangeiYear-over-year change in DA lodgements
+18.2%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
Church Point residents are markedly older than the national norm, with a median age of 54 compared to the national median of 40, a gap of 14 years. University qualifications reach 49.9%, which is 19.8 percentage points above the national figure, reflecting a professional and managerial workforce majority. Overseas-born residents make up 33.9% of the population, 12.3 points above the national rate. Ancestry is predominantly Anglo-Celtic, led by English (506 residents), Irish (144) and Scottish (142). The household composition reflects the older age profile: 37.1% of families are couples without children, and average household size of 2.6 is marginally above the national average.
Age Distribution
Bedrooms
Dwelling Structure
91.7%
Houses
2.8%
Townhouse
4.7%
Apartment
Tenure
Separate houses dominate the stock at 91.7%, apartments account for just 4.7%, and semi-detached homes 2.8%. More than six in ten dwellings have four or more bedrooms (61.3%), compared to a national average well below that, which speaks to the large-footprint waterfront properties the suburb is known for. Tenure tells the same wealth story: 58.9% own outright, 33.9% carry a mortgage, and only 7.1% rent. House prices moved from $3,200,000 in 2024 to $3,850,000 in 2025, a 20.3% rise in one year. The mortgage-to-income ratio of 26.1% is below the 30% stress line, meaning buyers at this price point still have the income to carry the debt, though it requires a household income well above state and national averages.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$3,600
Rent / wk
$1,073
HH Size
2.6
Personal Income / wk
$1,161
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
5.9%
Unoccupied
24
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
33.7% stressed
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
26.1%
Community Profile
Ancestry
Household Composition
37.1%
Couples, no children
903
Total families
Economy & Employment
The working population leans heavily toward high-earning sectors: Professional/Tech leads at 19.2% of employed residents (66 workers), followed by Healthcare at 14.2% (49) and Construction at 12.8% (44). By occupation, Professionals (157) and Managers (134) together account for more than two-thirds of the employed base, consistent with an income profile at the 98.1st percentile nationally. The full-time employment rate is 59.8%, and the unemployment rate sits at 4.1%. Labour force participation is only 48.9% because 394 residents are not in the labour force at all, a natural outcome of the suburb's older population where a large share has already retired. Volunteering engagement is 16.9%.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
59.8%
Part-time
36.1%
Participation
48.9%
Employed
443
Occupations
Top Industries
University
49.9%
Postgraduate
14.5%
Born Overseas
33.9%
Dwellings
386
Transport to Work
Church Point's lifestyle comes with real transport trade-offs: 87.4% of residents commute by car and only 3.8% use public transport, lower than almost every comparable suburb in greater Sydney, because the foreshore location lacks direct rail access. No schools are recorded inside the suburb boundary, so families depend on institutions in neighbouring Pittwater area suburbs. Crime statistics are not available in this dataset. What the suburb does offer is extremely high housing stability, with 82% of residents staying at the same address, a low need-for-assistance rate of 3.5% (35 people), and a volunteering rate of 16.9%. The combination of extreme car dependence and no local schools requires practical planning for families with children.
Drive
87.4%
Public Transport
3.8%
Walk / Cycle
1.6%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Church Point compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Church Point a good suburb to live in?
Church Point offers one of the most exclusive waterfront environments in greater Sydney, with household income at the 98.1st percentile nationally. The trade-offs are practical: 87.4% of residents rely on cars because there is no train access, no schools exist inside the 0.72 km2 boundary, and the median house price of $3,560,000 limits the buyer pool to high-income households.
What is the median house price in Church Point?
The median house price is $3,560,000 based on the most recent period, with prices rising from $3,200,000 in 2024 to $3,850,000 in 2025, a 20.3% gain. Monthly mortgage repayments average $3,600, and the mortgage-to-income ratio sits at 26.1%, below the 30% stress threshold because local incomes are in the 98.1st percentile nationally.
What schools are in Church Point?
No schools are recorded inside the Church Point suburb boundary in this dataset. With 49.9% of residents holding university qualifications, 19.8 percentage points above the national figure, families in the area are highly educated and typically access schools in neighbouring Northern Beaches suburbs.
Is Church Point safe?
Detailed crime statistics are not available for Church Point in this dataset. As indirect indicators, the suburb has household incomes at the 98.1st percentile nationally, only 3.5% of its 1,066 residents need daily assistance, and the residential stability rate is 82%, all consistent with a low-disadvantage environment.
Is Church Point good for property investment?
Church Point delivered 20.3% house price growth from 2024 to 2025, but the rental yield is thin: weekly rent of $1,073 against a $3,560,000 median implies a gross yield below 1.6%. With only 7.1% of dwellings rented and a vacancy rate of 5.9%, the market is illiquid. The investment case depends on continued capital growth rather than rental income.
How is Church Point's population changing?
Detailed population forecasts are not available in this dataset. The suburb's 1,066 residents have a median age of 54, which is 14 years above the national median, and 82% stayed at the same address in the reference period, indicating very low turnover. The small population and minimal renter base (7.1%) make this one of the most stable-tenure suburbs in NSW.
How much development is happening in Church Point?
There were 24 development applications lodged in the past 12 months, a moderate level for a suburb of 1,066 residents. Recent applications include a dwelling house modification, a complying development certificate for residential accommodation, and a demolition and new dwelling construction. Activity skews toward upgrades of existing properties rather than net new supply.
How to read these comparisons
Phrases like "above the national average" reference the unweighted median across Australian suburbs with more than 1,000 residents, not population-weighted national figures. Suburb-level medians are more useful for ranking suburbs against each other; ABS census headlines are population-weighted (so dominated by Sydney and Melbourne) and can read very differently.
Current baseline (refreshed 2026-05-10): median age 40, university-educated 30.1%, born overseas 21.6%, average household size 2.5 people.
Data sources: ABS 2021 Census (demographics, income, tenure), state Valuer-General (house prices), Department of Jobs SALM (unemployment), ACARA (school ICSEA), state Crime Statistics agencies (offences), council DA portals (development applications). Population forecasts use a Hamilton-Perry cohort model calibrated to ABS ERP.
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