Kyle Bay
At a median house price of $3,000,000 and with household income sitting in the 97.5th percentile nationally, Kyle Bay stands among the most financially concentrated suburbs on the NSW Georges River foreshore. The suburb covers just 0.37 km2 with 1,039 residents, making it among the most densely wealthy small communities in the state. What sharpens the profile further is tenure: 51.6% of households own outright, well above national averages, and renting is negligible at only 5.4%. University qualifications reach 53.1%, which is 23 points above the national figure, and the median age of 45 is 5 years older than the national median, reflecting an entrenched, established ownership base that turns over slowly.
Population
1,039
Median Age
45.0
Household IncomeiMedian weekly household income (ABS Census)
$3,069/wk
DAs (12 months)iDevelopment Applications lodged in the past year
6
Median House
$2.8M
2024-2025 (PSI derived)
The median house price reached $3,000,000 in 2025, up 12.6% from $2,665,000 in 2024. That appreciation rate is strong for a single year and consistent with the suburb's identity as a tightly held, low-churn market where only 11.6% of residents moved in the prior year. Separate houses account for 97.6% of the housing stock, making detached-house purchases the norm rather than the exception. The bedroom profile is large: 70.3% of dwellings have four or more bedrooms and another 28.8% have three, meaning buyers almost always compete for generous family-sized homes. Monthly mortgage repayments average $3,500, producing a mortgage-to-income ratio of 26.3%, which sits below the 30% stress threshold despite the $3M median. That ratio is manageable because household incomes here rank higher than 97.5% of Australian households.
For Buyers
The median house price reached $3,000,000 in 2025, up 12.6% from $2,665,000 in 2024. That appreciation rate is strong for a single year and consistent with the suburb's identity as a tightly held, low-churn market where only 11.6% of residents moved in the prior year. Separate houses account for 97.6% of the housing stock, making detached-house purchases the norm rather than the exception. The bedroom profile is large: 70.3% of dwellings have four or more bedrooms and another 28.8% have three, meaning buyers almost always compete for generous family-sized homes. Monthly mortgage repayments average $3,500, producing a mortgage-to-income ratio of 26.3%, which sits below the 30% stress threshold despite the $3M median. That ratio is manageable because household incomes here rank higher than 97.5% of Australian households.
For Investors
The investment fundamentals at Kyle Bay are thin on yield but unusually stable on capital. Weekly rent averages $745, giving a gross yield of roughly 1.3% against the $3,000,000 median, which is below what most investors target. The vacancy rate of 4.7% is modest but above the sub-3% figure that signals tight rental demand. The rental pool is small because only 5.4% of residents rent, compared to a national average closer to 30%. In the past 12 months, 6 development applications were lodged including dual-occupancy and demolition-rebuild approvals, indicating gradual premium renewal rather than supply pressure. The low turnover rate of 11.6% means quality properties rarely trade, which supports price resilience but reduces transaction frequency for investors seeking entry.
Development Activity
Total DAs
81
Last 12 Months
6
YoY ChangeiYear-over-year change in DA lodgements
-68.4%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 45 sits 5 years above the national median, consistent with an established, owner-occupier community where long tenure is the norm. Overseas-born residents make up 28.3%, which is 6.7 percentage points above the national figure and is anchored by Greek (192), Chinese (183) and English (157) ancestries. University qualifications reach 53.1%, running 23 percentage points above national, and the workforce is led by Professionals (154) and Managers (113), who together account for the majority of employed residents. Average household size of 3.1 is 0.6 above national, reflecting the dominance of couples with children (311 families) versus couples without children (203). The volunteering rate of 12.9% and a need-assistance rate of just 2.7% round out a picture of a well-resourced, self-sufficient community.
Age Distribution
Bedrooms
Dwelling Structure
97.6%
Houses
2.4%
Townhouse
N/A
Apartment
Tenure
Kyle Bay's housing market is defined by scale, ownership, and scarcity. Outright owners at 51.6% far outnumber those with a mortgage (43.0%), a ratio that is well above national norms and signals that wealth here is established rather than leveraged. The stock is almost entirely separate houses at 97.6%, with semi-detached dwellings making up the remaining 2.4% and apartments essentially absent. Four-plus bedroom homes account for 70.3% of all dwellings, which is unusually high compared to metropolitan Sydney broadly. Prices rose from $2,665,000 in 2024 to $3,000,000 in 2025, a one-year gain of 12.6%. Rent-to-income at 24.3% stays below the stress threshold for the small renter cohort, though only 5.4% of households are renting, making rental dynamics a marginal factor in this suburb's market.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$3,500
Rent / wk
$745
HH Size
3.1
Personal Income / wk
$940
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
4.7%
Unoccupied
16
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
24.3%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
26.3%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
21.1%
Couples, no children
961
Total families
Economy & Employment
Professional and technical services lead Kyle Bay's industry base at 15.3% of workers (54 people), followed by Healthcare at 12.8% (45) and Construction at 11.6% (41). Education contributes 9.7% and Finance 8.0%. By occupation, Professionals (154) and Managers (113) dominate, consistent with the 53.1% university qualification rate that is 23 points above national. Full-time employment runs at 66.4% among employed residents, and the unemployment rate is 5.4%. The participation rate of 51.0% is below typical working-age figures, reflecting the older median age of 45 and the 321 residents classified as not in the labour force, many of whom are likely retired or semi-retired given the income profile in the 97.5th percentile nationally.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
66.4%
Part-time
28.2%
Participation
51.0%
Employed
423
Occupations
Top Industries
University
53.1%
Postgraduate
10.2%
Born Overseas
28.3%
Dwellings
329
Transport to Work
Car dependence is extreme at Kyle Bay: 89.7% of residents drive to work, compared to the national average of roughly 60%, while only 2.5% use public transport. This reflects the suburb's waterfront, low-density character and its 0.37 km2 footprint, which lacks the walkable density that supports transit. No schools are recorded inside the suburb boundary, so families depend on nearby institutions in adjacent Georges River suburbs. The need-assistance rate of just 2.7% (27 people) and a rent-to-income ratio of 24.3% below the 30% stress threshold point to a community with few signs of material hardship. With 51.6% of households owning outright and household income in the 97.5th percentile nationally, residents are largely insulated from cost-of-living pressures that affect most Sydney suburbs.
Drive
89.7%
Public Transport
2.5%
Walk / Cycle
N/A
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Kyle Bay compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Kyle Bay a good suburb to live in?
Kyle Bay ranks in the 97.5th percentile nationally for household income, with 51.6% of households owning outright and a university qualification rate of 53.1%, which is 23 points above national. The suburb has a low need-assistance rate of 2.7% and very low renter share of 5.4%. The main trade-off is strong car dependence at 89.7% and a $3,000,000 median house price that limits who can buy in.
What is the median house price in Kyle Bay?
The median house price is $3,000,000, reached in 2025 after rising 12.6% from $2,665,000 in 2024. Weekly rent averages $745, and monthly mortgage repayments run about $3,500. The mortgage-to-income ratio sits at 26.3%, below the 30% stress threshold, because household incomes are in the 97.5th percentile nationally.
What schools are in Kyle Bay?
No schools are recorded inside the Kyle Bay suburb boundary in this dataset, so families rely on schools in neighbouring suburbs within the Georges River area. Despite this, the local population is highly educated, with 53.1% holding university qualifications, which is 23 percentage points above the national average.
Is Kyle Bay safe?
Detailed crime statistics are not available for Kyle Bay in this dataset. As an indirect measure, the suburb sits in the 97.5th percentile nationally for household income, the need-assistance rate is only 2.7% (27 people), and the low renter share of 5.4% is consistent with stable, low-turnover community characteristics generally associated with low-crime areas.
Is Kyle Bay good for property investment?
Weekly rent of $745 against a $3,000,000 median produces a gross yield of roughly 1.3%, below most investor benchmarks. The vacancy rate is 4.7% and only 5.4% of residents rent, so the rental market is small. However, prices rose 12.6% in one year from $2,665,000 to $3,000,000, and the low turnover rate of 11.6% supports capital preservation for long-term holders.
How is Kyle Bay's population changing?
Kyle Bay has a population of 1,039 across 0.37 km2, with a residential turnover rate of just 11.6%, meaning about 88.4% of residents stayed in the suburb over the prior year. The suburb's identity signals of premium and aging-resident-base suggest gradual generational transition rather than rapid population growth, with 6 development applications lodged in the past 12 months including some demolition-rebuild activity.
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.
Explore Kyle Bay on the Map
View parcels, zoning overlays, DA applications, schools and more.
Open Interactive Map