Towradgi
At 2,270 residents per square kilometre across just 1.43 sq km, Towradgi packs a population of 3,241 into a compact coastal footprint north of Wollongong. The median house price of $1,240,000 sits well above the national median, yet household income places at only the 51.3rd percentile, producing a mortgage-to-income ratio of 33.8%, above the standard 30% stress threshold. The suburb is detached-house dominant, with 72.5% separate houses and a median age of 42, two years above the national average, pointing to an established, owner-occupier base that has held property through multiple market cycles.
Population
3,241
Median Age
42.0
Household IncomeiMedian weekly household income (ABS Census)
$1,572/wk
DAs (12 months)iDevelopment Applications lodged in the past year
40
Median House
$1.2M
2024-2025 (PSI derived)
The median house price is $1,240,000, rising 7.6% from $1,180,000 in 2024 to $1,270,000 in 2025. That pace of growth is meaningful over a single year, and prices are currently at their peak. The stock is dominated by separate houses at 72.5%, with semi-detached dwellings at 21.1% and apartments at only 5.9%. Bedroom mix skews toward three-bedroom homes (36.3%) and four-plus bedroom homes (30.0%), which suits families more than downsizers. Monthly mortgage repayments average $2,300, but that represents 33.8% of median household income, above the conventional stress threshold. Outright owners at 37.6% outnumber mortgage holders at 29.2%, suggesting a mature ownership cohort rather than a suburb driven by recent first-home buyers.
For Buyers
The median house price is $1,240,000, rising 7.6% from $1,180,000 in 2024 to $1,270,000 in 2025. That pace of growth is meaningful over a single year, and prices are currently at their peak. The stock is dominated by separate houses at 72.5%, with semi-detached dwellings at 21.1% and apartments at only 5.9%. Bedroom mix skews toward three-bedroom homes (36.3%) and four-plus bedroom homes (30.0%), which suits families more than downsizers. Monthly mortgage repayments average $2,300, but that represents 33.8% of median household income, above the conventional stress threshold. Outright owners at 37.6% outnumber mortgage holders at 29.2%, suggesting a mature ownership cohort rather than a suburb driven by recent first-home buyers.
For Investors
Renters make up 33.2% of households, providing a solid tenant pool, and weekly rent sits at $350. Against the $1,240,000 median, that implies a gross yield around 1.5%, low by national standards. The vacancy rate of 6.0% is elevated compared to the typical 2-3% healthy market benchmark, suggesting current oversupply in the rental segment. Development activity shows 40 applications lodged in the past 12 months, a moderate number for a 1.43 sq km suburb with limited undeveloped land, mostly comprising complying development certificates and individual dwelling works. The 7.6% price growth from 2024 to 2025 is above the national average, making the investment case lean toward capital growth rather than yield.
Development Activity
Total DAs
233
Last 12 Months
40
YoY ChangeiYear-over-year change in DA lodgements
+14.3%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 42 is 2.0 years above the national average, consistent with an established coastal suburb where long-term residents have aged in place. Overseas-born residents at 19.3% sit 2.3 percentage points below the national figure. Ancestry is predominantly Anglo-Celtic, led by English (1,181 residents), Irish (361), Italian (342) and Scottish (312). University qualifications reach 32.3%, which is 2.2 percentage points above national, reflecting a modestly better-educated base than average. Average household size of 2.4 is marginally below national, and 26.9% of families are couples without children, pointing to a mix of empty-nesters and pre-family households alongside the dominant couples-with-children group (912 families).
Age Distribution
Bedrooms
Dwelling Structure
72.5%
Houses
21.1%
Townhouse
5.9%
Apartment
Tenure
Towradgi is firmly detached-house territory: 72.5% of dwellings are separate houses, well above the national average, with semi-detached at 21.1% and apartments at just 5.9%. The three-bedroom home is most common at 36.3%, followed by four-plus bedroom at 30.0%, two-bedroom at 23.3% and studio or one-bedroom at 10.4%. Tenure is balanced across ownership types: 37.6% own outright, 29.2% have a mortgage and 33.2% rent. The median house price moved from $1,180,000 in 2024 to $1,270,000 in 2025, a 7.6% rise. Mortgage holders face repayments averaging $2,300 per month, representing a 33.8% mortgage-to-income ratio, while renters pay $350 per week, keeping rent-to-income at a more comfortable 22.3%.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$2,300
Rent / wk
$350
HH Size
2.4
Personal Income / wk
$725
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
6.0%
Unoccupied
81
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
22.3%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
33.8% stressed
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
26.9%
Couples, no children
2,439
Total families
Economy & Employment
Healthcare is the largest employing industry at 18.7% (200 workers), followed by Education at 16.5% (176 workers) and Construction at 12.6% (134 workers), with Public Administration at 9.5% and Professional and Technical services at 7.7%. By occupation, Professionals lead at 356 workers, followed by Clerical and Admin (218), Community and Personal services (196) and Managers (160). The unemployment rate is 3.3%, below the national average of around 4%, and the full-time employment rate among those employed is 59.2%. Participation at 50.3% reflects the older median age, with 1,039 residents not in the labour force. Personal weekly income averages $725 and household weekly income $1,572, placing at the 51.3rd percentile nationally.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
59.2%
Part-time
37.5%
Participation
50.3%
Employed
1,330
Occupations
Top Industries
University
32.3%
Postgraduate
7.4%
Born Overseas
19.3%
Dwellings
1,264
Transport to Work
Car dependency is high at 88.5% using a car as driver, compared to the national figure, while public transport use sits at just 2.9% and walking or cycling accounts for 3.0%. No schools are recorded within the suburb boundary, so families rely on schools in nearby Wollongong, Fairy Meadow and Corrimal. Volunteering runs at 15.1%, above the national average of around 13%, and 7.3% of residents (226 people) require some form of daily assistance. Rent-to-income at 22.3% keeps housing affordable for tenants compared to many coastal NSW suburbs. The compact 1.43 sq km footprint at a density of 2,270 residents per square kilometre reflects a well-established residential suburb without significant commercial or industrial land uses competing for space.
Drive
88.5%
Public Transport
2.9%
Walk / Cycle
3.0%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Towradgi compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Towradgi a good suburb to live in?
Towradgi suits owner-occupiers seeking a compact coastal location near Wollongong. The median age of 42 is 2 years above national, the residential turnover rate is low at 20.3% and 37.6% of residents own their home outright. The main trade-off is a high $1,240,000 median house price against household income at the 51.3rd percentile nationally.
What is the median house price in Towradgi?
The median house price in Towradgi is $1,240,000, having risen 7.6% from $1,180,000 in 2024 to $1,270,000 in 2025. Weekly rent averages $350 and monthly mortgage repayments average $2,300, which represents a mortgage-to-income ratio of 33.8%, above the 30% stress threshold.
What schools are in Towradgi?
No schools are recorded inside the Towradgi suburb boundary in this dataset. Families rely on schools in neighbouring suburbs such as Fairy Meadow, Corrimal and central Wollongong. The local adult population has a university qualification rate of 32.3%, which is 2.2 percentage points above the national figure.
Is Towradgi safe?
Detailed crime statistics are not available for Towradgi in this dataset. As indirect indicators, the suburb has a low unemployment rate of 3.3% compared to the national average, a volunteering rate of 15.1% and a stable residential base where 79.7% of residents stayed in place over the reference year, all characteristics associated with low-disadvantage communities.
Is Towradgi good for property investment?
The 7.6% price growth from $1,180,000 to $1,270,000 in 2024-2025 is above the national average, but the gross rental yield is approximately 1.5% against the $1,240,000 median at $350 weekly rent. The vacancy rate of 6.0% is elevated compared to a healthy market benchmark of 2-3%. The investment case rests on capital growth given limited new supply in a 1.43 sq km footprint.
How is Towradgi's population changing?
Towradgi's current population is 3,241 across 1.43 sq km, giving a density of 2,270 residents per sq km. The residential turnover rate is 20.3%, meaning 79.7% of residents stayed over the reference year, indicating a stable base. The median age of 42 is 2 years above national, pointing to gradual aging of the existing resident cohort over time.
How much development is happening in Towradgi?
There were 40 development applications lodged in the past 12 months, including complying development certificates for subdivisions and individual dwelling works such as swimming pools. Given the suburb is only 1.43 sq km and already 72.5% separate houses, most activity reflects renovation and incremental upgrade rather than significant new supply entering the market.
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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