Lloyd
A median age of 32, eight years below the national figure, and 69.6% of dwellings with four or more bedrooms signal that Lloyd is emphatically a young-family suburb in the Wagga Wagga fringe. Household income sits at the 84.8th percentile nationally, well above average despite a regional postcode. The suburb is almost entirely detached houses at 95.4%, and mortgage holders outnumber outright owners by more than two to one, reflecting a population that moved here recently and is actively building equity. Overseas-born residents at 13.2% run 8.4 points below the national average, and English ancestry dominates, reflecting the Anglo-Celtic character common across inland NSW.
Population
1,509
Median Age
32.0
Household IncomeiMedian weekly household income (ABS Census)
$2,247/wk
DAs (12 months)iDevelopment Applications lodged in the past year
44
Median House
$730K
2024-2025 (PSI derived)
The median house price of $715,000 in 2025 is accessible compared to Sydney but represents a 2.4% fall from the 2024 peak of $732,500. Monthly mortgage repayments average $1,803, producing a mortgage-to-income ratio of 18.5%, comfortably below the 30% stress threshold. The stock is almost exclusively detached houses at 95.4%, and 69.6% of those have four or more bedrooms, so buyers get generous floor space relative to price. With 56.2% of dwellings under mortgage and just 23.2% owned outright, most residents are owner-occupiers in the accumulation phase rather than long-held debt-free stock. For families priced out of coastal NSW, the combination of large homes, low debt stress, and a young local community is the primary draw.
For Buyers
The median house price of $715,000 in 2025 is accessible compared to Sydney but represents a 2.4% fall from the 2024 peak of $732,500. Monthly mortgage repayments average $1,803, producing a mortgage-to-income ratio of 18.5%, comfortably below the 30% stress threshold. The stock is almost exclusively detached houses at 95.4%, and 69.6% of those have four or more bedrooms, so buyers get generous floor space relative to price. With 56.2% of dwellings under mortgage and just 23.2% owned outright, most residents are owner-occupiers in the accumulation phase rather than long-held debt-free stock. For families priced out of coastal NSW, the combination of large homes, low debt stress, and a young local community is the primary draw.
For Investors
A vacancy rate of 5.6% is elevated, running higher than the sub-3% benchmark that typically signals strong rental demand, which is a caution flag for landlords. Weekly rent of $420 against a $715,000 median implies a gross yield near 3.1%, modest but above many coastal NSW markets. Only 20.6% of dwellings are rented, compared to the national average closer to 30%, meaning the tenant pool is thin and turnover rate of 34.8% suggests modest churn. On the positive side, 41 development applications were lodged in the past 12 months, most for new dwelling houses, indicating the suburb is still expanding. Investment returns here are more likely to come from capital growth tied to Wagga Wagga infrastructure than from rental yield compression.
Development Activity
Total DAs
276
Last 12 Months
44
YoY ChangeiYear-over-year change in DA lodgements
+25.7%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
Lloyd's median age of 32 is 8.0 years below the national figure, one of the more pronounced young-skews in regional NSW. The population of 1,509 is predominantly Australian-born, with overseas-born residents at 13.2%, some 8.4 percentage points below the national average. Ancestry is led by English (589), Irish (201), Scottish (131) and German (71), a consistent Anglo-Celtic profile. University qualifications reach 30.8%, which is 0.7 points above the national rate, a slight positive given the regional location. Average household size is 2.7, fractionally above the national average of 2.5, consistent with the family-dominant composition where couples with children account for 682 of 1,279 total families.
Age Distribution
Bedrooms
Dwelling Structure
95.4%
Houses
2.8%
Townhouse
1.8%
Apartment
Tenure
The housing stock is almost entirely detached houses at 95.4%, with semi-detached at 2.8% and apartments barely present at 1.8%. The bedroom profile is heavily skewed to large homes: 69.6% have four or more bedrooms and 24.6% have three, leaving small two-bedroom dwellings at just 5.8%. Tenure sits at 56.2% under mortgage, 23.2% owned outright, and 20.6% renting, a mortgage-heavy split typical of newer greenfield estates. The median price eased from $732,500 in 2024 to $715,000 in 2025, a 2.4% decline, suggesting the suburb absorbed some of the national rate-rise pressure rather than escaping it. At a rent-to-income ratio of 18.7%, tenants in Lloyd face no housing stress, which is below the 30% stress threshold.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,803
Rent / wk
$420
HH Size
2.7
Personal Income / wk
$1,086
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
5.6%
Unoccupied
32
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
18.7%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
18.5%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
22.0%
Couples, no children
1,279
Total families
Economy & Employment
Healthcare employs 23.1% of the working population (134 workers), the largest single industry, reflecting Lloyd's proximity to Wagga Wagga Base Hospital and associated services. Public Administration follows at 15.5% (90 workers) and Education at 12.9% (75 workers), with Construction at 10.2% rounding out the top four. These sectors are driven partly by the RAAF Base Wagga and Charles Sturt University nearby. By occupation, Professionals lead at 197, followed by Community and Personal service workers at 121, Clerical and Admin at 119, and Managers at 115. Unemployment sits at just 2.4%, below the national average, and the full-time employment rate of 70.8% is high. Participation at 73.5% is solid for a young-family suburb where some caregiving suppresses labour force engagement.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
70.8%
Part-time
26.8%
Participation
73.5%
Employed
824
Occupations
Top Industries
University
30.8%
Postgraduate
5.6%
Born Overseas
13.2%
Dwellings
541
Transport to Work
Car dependence is near-total at 94.1% of commuters driving, with walking and cycling at just 0.4%, which is characteristic of a greenfield fringe estate rather than an established walkable neighbourhood. No schools are recorded inside Lloyd's 4.68 km2 boundary, so families rely on schools in Wagga Wagga proper, typical for a suburb at this stage of development. Crime data is not available for Lloyd in this dataset. The 5.2% of residents needing daily assistance (78 people) is low relative to total population, consistent with the young demographic. Volunteering at 15.8% is moderate, and the community composition of young families with stable incomes points to a suburb that, compared to older regional towns, is still building its services rather than maintaining mature ones.
Drive
94.1%
Public Transport
N/A
Walk / Cycle
0.4%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Lloyd compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Lloyd a good suburb to live in?
Lloyd suits young families well, with a median age of 32 that is 8 years below the national figure, large four-plus bedroom homes at 69.6% of dwellings, and household income at the 84.8th percentile nationally. The main trade-offs are strong car dependence at 94.1% and an elevated vacancy rate of 5.6% that hints at slower rental absorption.
What is the median house price in Lloyd?
The median house price is $715,000 as of 2025, down 2.4% from the 2024 peak of $732,500. Monthly mortgage repayments average $1,803, giving a mortgage-to-income ratio of 18.5%, which is well below the 30% financial stress threshold. Weekly rent averages $420.
What schools are in Lloyd?
No schools are recorded inside Lloyd's 4.68 km2 boundary in this dataset. Families draw on schools in Wagga Wagga, which borders the suburb. Despite this, 30.8% of Lloyd residents hold university qualifications, which is 0.7 points above the national average.
Is Lloyd safe?
Detailed crime statistics are not available for Lloyd in this dataset. As an indirect indicator, household income sits at the 84.8th percentile nationally and the unemployment rate is just 2.4%, both factors associated with lower disadvantage and lower property crime rates compared to high-unemployment areas.
Is Lloyd good for property investment?
The gross yield is approximately 3.1%, derived from $420 weekly rent against a $715,000 median, which is moderate for regional NSW. The 5.6% vacancy rate is above the sub-3% benchmark for strong rental demand, adding risk. However, 41 development applications in 12 months confirms active demand for new dwellings, and the young family base may support price growth over the medium term.
How is Lloyd's population changing?
Lloyd's population is 1,509 with a young median age of 32, which is 8 years below the national average, and a high proportion of couples with children (682 of 1,279 families). Active construction with 41 new dwelling applications in the past 12 months points to ongoing population growth from new households, typical of expanding greenfield suburbs.
How much development is happening in Lloyd?
Lloyd recorded 41 development applications in the past 12 months, predominantly for new dwelling houses with some multi-dwelling applications. This rate is elevated relative to the suburb's 1,509 population, indicating Lloyd is in an active expansion phase. Most applications are for erection of new structures rather than alterations, consistent with a greenfield growth suburb.
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 Lloyd on the Map
View parcels, zoning overlays, DA applications, schools and more.
Open Interactive Map