St Andrews
Detached houses make up 95.0% of dwellings here, an extreme even by outer-Sydney standards, and that single fact shapes almost everything else about St Andrews. The median house price of $917,500 sits well below Sydney's harbourside markets, household income lands in the 66.5th percentile nationally, and the suburb scores decile 2 on IRSD and decile 3 on IRSAD, placing it in the lower advantage tiers. At a median age of 36, four years below the national figure, and an average household size of 3.0, half a person above national, this is a family-oriented mortgage belt: 46.8% of homes carry a mortgage and only 23.9% rent. University qualifications reach 27.3%, 2.8 points under the national rate, reflecting a trades and services workforce rather than a professional one.
Population
5,785
Median Age
36.0
Household IncomeiMedian weekly household income (ABS Census)
$1,837/wk
DAs (12 months)iDevelopment Applications lodged in the past year
29
Median House
$918K
2024-2025 (PSI derived)
The $917,500 median rose 4.2% across the year, from $900,000 in 2024 to $937,500 in 2025, a steady single-digit move rather than a boom. The stock is unusually homogeneous: 95.0% separate houses leave just 1.1% apartments and 3.8% semi-detached, so buyers face little choice in dwelling type. Three-bedroom homes dominate at 55.7% and four-plus-bedroom homes account for 39.3%, while two-bedroom dwellings are scarce at 4.1%, which suits growing families more than downsizers or singles. Mortgage holders at 46.8% outnumber outright owners at 29.4%, a sign of an active buyer base still paying down debt. Average monthly repayments of $2,000 produce a mortgage-to-income ratio of 25.1%, below the 30% stress threshold, so affordability remains workable for a typical household earning $1,837 a week.
For Buyers
The $917,500 median rose 4.2% across the year, from $900,000 in 2024 to $937,500 in 2025, a steady single-digit move rather than a boom. The stock is unusually homogeneous: 95.0% separate houses leave just 1.1% apartments and 3.8% semi-detached, so buyers face little choice in dwelling type. Three-bedroom homes dominate at 55.7% and four-plus-bedroom homes account for 39.3%, while two-bedroom dwellings are scarce at 4.1%, which suits growing families more than downsizers or singles. Mortgage holders at 46.8% outnumber outright owners at 29.4%, a sign of an active buyer base still paying down debt. Average monthly repayments of $2,000 produce a mortgage-to-income ratio of 25.1%, below the 30% stress threshold, so affordability remains workable for a typical household earning $1,837 a week.
For Investors
A 23.9% renter share gives landlords a modest tenant pool, smaller than in apartment-heavy suburbs, and weekly rent averages $400. Against the $917,500 median that implies a gross yield near 2.3%, low in absolute terms but better than premium Sydney suburbs where yields fall closer to 1%. The 2.3% vacancy rate is tight, pointing to steady tenant demand rather than oversupply, which supports rent reliability. Development activity is moderate at 26 applications in 12 months, weighted toward secondary dwellings, swimming pools and single new houses rather than multi-unit projects, so new rental supply is limited. With 95.0% of stock being detached houses, the investment case rests on capital growth and land value more than rental yield, and the 4.2% annual price rise underpins that thesis.
Development Activity
Total DAs
130
Last 12 Months
29
YoY ChangeiYear-over-year change in DA lodgements
+11.5%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in St Andrews iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
St Andrews Public School
K-6 · 761 students
Demographics
The median age of 36 runs 4.0 years below the national figure, and the average household size of 3.0 sits 0.5 above national, both consistent with a family-heavy profile where couples with children (1,960 families) outnumber couples without children (929). Overseas-born residents reach 32.9%, which is 11.3 points above the national rate, giving the suburb a strongly multicultural character. Ancestry leans English (1,379) and Scottish (368), but the top non-English languages are Arabic (225 speakers), Hindi (63) and Samoan (46), and Islam (658 residents) is the clear second religion behind Christianity (2,989). University qualifications at 27.3% fall 2.8 points below national, lower than inner-city suburbs and aligned with a workforce concentrated in clerical and trades roles rather than knowledge professions.
Age Distribution
Bedrooms
Dwelling Structure
95.0%
Houses
3.8%
Townhouse
1.1%
Apartment
Tenure
Tenure tilts toward active buyers: 46.8% carry a mortgage, 29.4% own outright and only 23.9% rent. Mortgage holders outnumbering outright owners by a wide margin marks this as a working mortgage belt rather than a settled, debt-free enclave. The stock is overwhelmingly detached at 95.0%, with apartments at just 1.1% and semi-detached at 3.8%, which limits density and keeps the suburb low-rise. Three-bedroom homes lead at 55.7% and four-plus-bedroom at 39.3%, leaving smaller dwellings rare. The median rose from $900,000 to $937,500 across 2024 and 2025, a 4.2% gain. Mortgage-to-income at 25.1% and rent-to-income at 21.8% both stay under the 30% stress threshold, a comfortable spread that reflects modest prices relative to the 66.5th-percentile household incomes.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,000
Rent / wk
$400
HH Size
3.0
Personal Income / wk
$743
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
2.3%
Unoccupied
44
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
21.8%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
25.1%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
18.5%
Couples, no children
5,023
Total families
Economy & Employment
The workforce skews toward services and trades rather than high-paying knowledge sectors. Healthcare leads at 19.3% (286 workers), followed by Education at 10.8% (160), Construction at 9.9% (147), Manufacturing at 9.0% (133) and Retail at 7.8% (115). By occupation, Clerical and Administrative workers (386) edge out Professionals (370), with Machinery Operators and Drivers (313) close behind, a mix that explains why university qualifications sit 2.8 points below national. The SEIFA indexes cluster low: IEO and IER both at decile 4, IRSAD at decile 3 and IRSD at decile 2. Unemployment runs at 6.1%, above typical Sydney levels, and participation is just 48.6% because 1,712 residents are not in the labour force, partly reflecting the family households where one parent stays home.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
65.7%
Part-time
28.2%
Participation
48.6%
Employed
2,082
Occupations
Top Industries
University
27.3%
Postgraduate
7.5%
Born Overseas
32.9%
Dwellings
1,835
Transport to Work
Car dependence is high: 89.0% of commuters drive while only 3.4% use public transport and 1.0% walk or cycle, well above the national reliance on cars and typical of an outer-Sydney suburb at 2,778 residents per km2. The suburb scores decile 2 on IRSD and decile 3 on IRSAD, the lower advantage tiers nationally, and 6.8% of residents (371 people) need daily assistance. Volunteering runs at 9.1%, below the rates seen in higher-advantage suburbs. Housing costs stay manageable, with rent-to-income at 21.8% and mortgage-to-income at 25.1%, both under the 30% stress line. No schools are recorded inside the 2.08 km2 boundary in this dataset, so the many families here rely on schools in neighbouring suburbs, a practical trade-off in a low-density residential pocket.
Drive
89.0%
Public Transport
3.4%
Walk / Cycle
1.0%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How St Andrews compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is St Andrews a good suburb to live in?
St Andrews suits families: the median age of 36 is 4.0 years below national and average household size of 3.0 is 0.5 above national. Housing stays affordable, with mortgage-to-income at 25.1%, under the 30% stress line. It scores decile 2 on IRSD, a lower advantage tier, and unemployment is 6.1%.
What is the median house price in St Andrews?
The median house price is $917,500, well below Sydney's premium markets. Prices rose 4.2% from $900,000 in 2024 to $937,500 in 2025. Weekly rent averages $400 and monthly mortgage repayments run about $2,000, giving a mortgage-to-income ratio of 25.1%.
What schools are in St Andrews?
No schools are recorded inside the 2.08 km2 St Andrews boundary in this dataset, so the area's families, where couples with children number 1,960, rely on schools in neighbouring suburbs. University qualifications sit at 27.3%, which is 2.8 points below the national figure.
Is St Andrews safe?
Detailed crime statistics are not available for St Andrews in this dataset. As an indirect indicator, the suburb scores decile 2 on the IRSD index of relative disadvantage and decile 3 on IRSAD, both lower advantage tiers, and 6.8% of its residents need daily assistance.
Is St Andrews good for property investment?
Weekly rent of $400 against a $917,500 median gives a gross yield near 2.3%, higher than premium Sydney suburbs near 1%. The tight 2.3% vacancy rate supports steady demand, and 4.2% annual price growth means returns lean on capital gains, since 95.0% of stock is detached houses.
How is St Andrews's population changing?
The suburb is stable, with residential turnover at just 14.9% and 85.1% of residents staying put, pointing to an entrenched owner-occupier base. The current population is 5,785 at a density of 2,778 per km2, and the median age of 36 sits 4.0 years below the national figure.
What languages are spoken in St Andrews?
About 32.9% of residents were born overseas, 11.3 points above the national figure. English is dominant, but the most common non-English languages are Arabic (225 speakers), Hindi (63), Samoan (46) and Bengali (44), reflecting a strongly multicultural resident mix.
How much development is happening in St Andrews?
There were 26 development applications lodged in the past 12 months, moderate for a 2.08 km2 suburb. Most are secondary dwellings, swimming pools or single new houses rather than multi-unit projects, consistent with an established detached-housing area where 95.0% of stock is separate houses.
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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