Gymea Bay
Household income here sits in the 97.4th percentile nationally, yet the suburb reads as a settled family enclave rather than a churning professional hub. The $1,895,000 median house price is supported by a stock that is 90.4% separate houses and only 1.1% apartments, with 59.9% of homes carrying four or more bedrooms. Stability is the defining trait: 86.6% of residents stayed put over the census period and 44.7% own outright, both well above what high-price suburbs usually show. The median age of 42 runs 2 years above the national figure, and university qualifications at 41.2% are 11.1 points above national, marking an affluent, established peninsula community rather than a growth frontier.
Population
6,983
Median Age
42.0
Household IncomeiMedian weekly household income (ABS Census)
$3,047/wk
DAs (12 months)iDevelopment Applications lodged in the past year
81
Median House
$1.9M
2024-2025 (PSI derived)
Buyers face a $1,895,000 median, where the recent price record moved from $1,840,000 in 2024 to $1,900,000 in 2025, a modest 3.3% rise that signals a mature rather than overheating market. The appeal is family-scale housing: 90.4% of dwellings are separate houses and 59.9% have four or more bedrooms, with apartments almost absent at 1.1%. That composition explains the average household size of 3.1, which is 0.6 above national. Monthly mortgage repayments average $3,033, producing a mortgage-to-income ratio of 23.0%, comfortably below stress thresholds because household incomes reach the 97.4th percentile. The high outright ownership rate of 44.7% means incoming buyers compete against equity-rich owners with little pressure to sell.
For Buyers
Buyers face a $1,895,000 median, where the recent price record moved from $1,840,000 in 2024 to $1,900,000 in 2025, a modest 3.3% rise that signals a mature rather than overheating market. The appeal is family-scale housing: 90.4% of dwellings are separate houses and 59.9% have four or more bedrooms, with apartments almost absent at 1.1%. That composition explains the average household size of 3.1, which is 0.6 above national. Monthly mortgage repayments average $3,033, producing a mortgage-to-income ratio of 23.0%, comfortably below stress thresholds because household incomes reach the 97.4th percentile. The high outright ownership rate of 44.7% means incoming buyers compete against equity-rich owners with little pressure to sell.
For Investors
Investors find a thin rental market: only 7.4% of residents rent, far below the levels that support easy tenant turnover, and the vacancy rate of 2.8% is tight. Weekly rent of $680 against a $1,895,000 median produces a gross yield near 1.9%, low because the suburb is owner-occupier territory with 44.7% owning outright and 48.0% holding mortgages. The case here is capital preservation rather than cash flow, helped by the 86.6% stayed rate and development activity of 77 applications in 12 months, most being single dwelling houses and additions rather than density plays. Scarcity of rental stock can hold rents firm, but the 1.1% apartment share means there is little affordable entry product for yield-focused buyers.
Development Activity
Total DAs
407
Last 12 Months
81
YoY ChangeiYear-over-year change in DA lodgements
+6.6%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Gymea Bay iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Gymea Bay Public School
K-6 · 763 students
Demographics
The population of 6,983 skews family-oriented, with 2,859 couples with children against 1,222 couples without, an inversion of the childless-professional pattern seen in inner cities. The median age of 42 is 2 years above national, and the average household size of 3.1 runs 0.6 above national, both consistent with established families in large homes. The community is Anglo-leaning: English ancestry leads at 3,015, followed by Irish (932) and Scottish (832), and overseas-born residents at 14.7% sit 6.9 points below national. University qualifications at 41.2% are 11.1 points above national, and the volunteering rate of 17.1% reinforces a rooted, civically engaged base rather than a transient one.
Age Distribution
Bedrooms
Dwelling Structure
90.4%
Houses
8.5%
Townhouse
1.1%
Apartment
Tenure
Tenure is overwhelmingly owner-driven: 44.7% own outright and 48.0% hold a mortgage, leaving just 7.4% renting, which is unusually low for a high-value market. The dwelling mix is 90.4% separate houses, 8.5% semi-detached and only 1.1% apartments, with 59.9% of homes having four or more bedrooms and 34.8% having three. The median moved from $1,840,000 in 2024 to $1,900,000 in 2025, a 3.3% gain that tracks high local incomes rather than speculation. Mortgage-to-income at 23.0% and rent-to-income at 22.3% both fall below stress flags, indicating that although the median house price near $1.9 million is steep, repayments stay manageable because household income sits in the 97.4th percentile nationally.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$3,033
Rent / wk
$680
HH Size
3.1
Personal Income / wk
$1,049
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
2.8%
Unoccupied
64
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
22.3%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
23.0%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
19.2%
Couples, no children
6,368
Total families
Economy & Employment
Employment leans on Construction at 13.5% (356 workers), Healthcare at 13.1% (345), Professional/Tech at 12.2% (322), Education at 12.2% (321) and Finance at 7.5% (197), a broad base rather than a single-sector dependence. Occupations are led by Professionals (941) and Managers (733), pairing with university attainment of 41.2%, which is 11.1 points above national. The unemployment rate of 3.3% sits below the typical national mark, though participation at 60.4% is moderate, reflecting an older median age of 42 and a sizeable group not in the labour force. Full-time work at 62.5% and household income in the 97.4th percentile confirm a financially secure, white-collar and trades workforce.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
62.5%
Part-time
34.2%
Participation
60.4%
Employed
3,246
Occupations
Top Industries
University
41.2%
Postgraduate
10.5%
Born Overseas
14.7%
Dwellings
2,190
Transport to Work
Daily life is car-centred: 91.5% drive to work while public transport carries just 2.4% and active travel 1.4%, a profile consistent with a low-density bayside peninsula far from rail. The trade-off is space and stability, with 90.4% separate houses, an average household size of 3.1 that runs 0.6 above national, and 86.6% of residents staying put across the census period. The volunteering rate of 17.1% points to an engaged residential community rather than a commuter dormitory. Affluence underpins amenity: household income reaches the 97.4th percentile nationally and university qualifications at 41.2% are 11.1 points above national, supporting strong household spending power even though local transport options are limited.
Drive
91.5%
Public Transport
2.4%
Walk / Cycle
1.4%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Gymea Bay compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Gymea Bay a good suburb to live in?
It suits families wanting space and stability. Household income sits in the 97.4th percentile nationally, 90.4% of homes are separate houses, and 86.6% of residents stayed put across the census period. University qualifications at 41.2% are 11.1 points above national. The main trade-off is car dependence, with 91.5% driving and only 2.4% using public transport.
What is the median house price in Gymea Bay?
The median house price is $1,895,000. The recent record moved from $1,840,000 in 2024 to $1,900,000 in 2025, a 3.3% rise. Monthly mortgage repayments average $3,033 and weekly rent is $680, giving a gross yield near 1.9%, low because the suburb is owner-occupier dominated.
What schools are in Gymea Bay?
No individual schools are listed for Gymea Bay in this dataset, so families typically use schools in neighbouring suburbs on the Sutherland peninsula. Education is a major local employer at 12.2% of workers (321 people), and university qualifications among residents reach 41.2%, which is 11.1 points above the national figure.
Is Gymea Bay safe?
Crime statistics are not available in this dataset for Gymea Bay, so a precise crime rate cannot be quoted. The profile of an affluent, settled area is consistent with low transience: 86.6% of residents stayed put across the census period, turnover was only 13.4%, and 44.7% of homes are owned outright.
Is Gymea Bay good for property investment?
It favours capital preservation over yield. Only 7.4% of residents rent and the vacancy rate is 2.8%, while $680 weekly rent against a $1,895,000 median gives a gross yield near 1.9%. With 44.7% owning outright and apartments at just 1.1%, there is little affordable entry stock for income-focused investors.
How is Gymea Bay's population changing?
Change is slow in a built-out peninsula of 6,983 people at 2,932.8 per square kilometre. Stability dominates, with 86.6% of residents staying put and turnover at 13.4%. Overseas-born residents at 14.7% are 6.9 points below national, so in-migration is a weak growth driver and renewal comes mainly from existing households.
How much development is happening in Gymea Bay?
There were 77 development applications lodged in the past 12 months. Recent samples are dominated by single dwelling houses and alterations or additions rather than multi-unit projects, consistent with a stock that is 90.4% separate houses and only 1.1% apartments, so supply grows incrementally.
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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