Stickybeak

Neutral Bay 2089 suburb insights

Postcode 2089 covers Neutral Bay, a residential suburb within the North Sydney local government area of New South Wales. Stickybeak analyses Neutral Bay across four dimensions that matter to buyers: affordability (median sale prices, rental yield, and first home buyer eligibility), lifestyle quality (school catchments, childcare, walkability, and CBD commute times), risk factors (flood zone mapping, bushfire prone land, air quality, and traffic volume), and suburb momentum (development pipeline, price trajectory over time, and ABS demographic data). The section navigation at the top of the page lets you jump directly to any part of the analysis. All figures are sourced from NSW government and federal datasets and refreshed as new data is published.

Last refreshed May 2026 (most cards). Per-card sources show exact dates.

All data has limits. See our data caveats.

Affordability

Can I afford Neutral Bay?

Can I afford Neutral Bay?

Serviceability check

What would a typical mortgage look like in Neutral Bay? Based on the suburb median of $1,125,000 (units) and the local median household income.

Monthly repayment
$5,553/mo

6.3% variable · Apr 2026

Repayment-to-income
52.5%

Stretch

Loan assumptions
$900,000 loan
20% deposit ($225,000)
30-year P&I

At today's rate, repayments here would eat 52% of the typical local household's gross income. That is out of reach for most buyers.

Repayment burden vs Sydney median income
Neutral Bay52.5%
Sydney median income61.9%
30% stress line

Assumes a 20% deposit and a 30-year P&I owner-occupier loan at the current Sydney variable rate. Your actual rate, deposit, and income will differ.

Sources: RBA Table F6 (rate), ABS Census 2021 G02 (income), suburb median sale.

Nearby suburbs with lower medians

Still looking? These suburbs are closer to reach.

Based on median prices and a 20% deposit at 6.27% variable.
Can I afford Neutral Bay?

Rental market in Neutral Bay

Median weekly rent from lodged bonds. Sep 2025. Based on 125 new bond lodgements this quarter.

Rents here are at the higher end for Sydney. Higher holding costs for investors; higher savings pressure for renters.

Median weekly rent · Unit · 2 bed
$830per week
Sep 2025 · 125 bonds lodged
Quarterly trend · last 12 quarters
Dec 22: $675 per week (86 bonds)Mar 23: $720 per week (77 bonds)Jun 23: $750 per week (103 bonds)Sep 23: $750 per week (119 bonds)Dec 23: $815 per week (89 bonds)Mar 24: $778 per week (104 bonds)Jun 24: $800 per week (88 bonds)Sep 24: $770 per week (127 bonds)Dec 24: $800 per week (102 bonds)Mar 25: $788 per week (108 bonds)Jun 25: $825 per week (97 bonds)Sep 25: $830 per week (125 bonds)Dec 22Jun 24Sep 25

Nearby suburbs · same combination

Cremorne2090
$875▲$45
0.8 km away
Lavender Bay2060
$950▲$120
1.2 km away
Kirribilli2061
$1,030▲$200
1.2 km away
Cammeray2062
$800▼$30
1.6 km away
NSW DCJ Rental Bond Board · Sep 2025 · CC BY. Cells with 10 or fewer bond lodgements are suppressed; cells with 30 or fewer have the bond count suppressed but rent published. Figures are transacted rents, not asking rents.

Lifestyle

Neutral Bay Lifestyle

Source: ABS Census 2021, Postal Areas (CC BY 4.0).

Dealbreakers

Any dealbreakers?

Any dealbreakers?

Air quality in Neutral Bay

36
FairAQI · NSW DCCEEW
05:33 AEST
Bradfield Highway station · 1.0 km from centroid
12-month median: AQI 36 · Fair

Air quality is acceptable but sensitive groups may notice effects.

Pollutants
nearest station
PM2.5i
5.8µg/m³
24-hr avg
PM10i
17.9µg/m³
24-hr avg
NO₂i
0.5pphm
1hr reading
AQI · last 12 months · daily mean
Bradfield Highway station · 365 daily points
Source: NSW DCCEEW Air Quality API (CC BY 4.0). Historical data updated weekly; live readings cached 60 minutes.
View dealbreakers as a standalone report →

Change

How might Neutral Bay change?

DEVELOPMENT PIPELINE · NSW PLANNING PORTAL · 2089

What’s in the pipeline

NSW Planning Portal feed paused at the source for postcode 2089. Expected back by Q3 2026.

NSW PLANNING PORTAL
How might Neutral Bay change?

Investor activity in Neutral Bay

2089 · ATO Taxation Statistics · ~18-month lag
Source: ATO Taxation Statistics (CC BY 2.5 AU).

What to do next

Three steps to move from research to action.

1
Get pre-approved

Know your budget before you inspect. A pre-approval letter strengthens your offer.

Read our guides
2
Set a listings alert

See new listings in Neutral Bay under the median ($1,125,000).

Search on Domain
3
Join the contract-review waitlist

Have your Section 66W reviewed before you sign.

Join the waitlist

Track Neutral Bay.

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Compare Neutral Bay with another suburb

Also in North Sydney

Comparing suburbs in the same area can sharpen your decision. Browse suburb insights for other North Sydney postcodes, or explore the full North Sydney suburb index.

Cammeray 2062Cremorne 2090Crows Nest 2065Kirribilli 2061

Other North Shore (Lower) suburbs

Cammeray 2062Cremorne 2090Mosman 2088

Frequently asked questions

What suburb is postcode 2089?
Neutral Bay is the primary suburb with postcode 2089 in New South Wales. In some cases multiple suburbs share the same postcode — Neutral Bay is the main locality.
Which local government area is Neutral Bay in?
Neutral Bay (2089) is located in the North Sydney local government area in New South Wales.
What data does Stickybeak show for Neutral Bay?
Stickybeak shows 16 data cards for Neutral Bay (2089) covering affordability (median sale prices, rental yield, first home buyer eligibility), lifestyle (schools, childcare, walkability, commute times), risk factors (flood zones, bushfire prone land, air quality, traffic volume), and suburb growth signals (development pipeline, price trajectory, demographics).
Is Neutral Bay flood prone?
Flood risk varies street by street in Neutral Bay. Check the Dealbreakers section on this page for the latest NSW flood zone mapping sourced from official state government data. Always verify at the property level with a Section 10.7 certificate before purchasing.
What are the best schools near Neutral Bay?
The Schools card on this page lists primary and secondary schools within the catchment area for Neutral Bay (2089), including their NAPLAN performance data and distance from the suburb centre.
Is Neutral Bay (2089) eligible for the First Home Buyer scheme?
The First Home Buyer eligibility card on this page shows which NSW and federal government schemes — including the First Home Guarantee, stamp duty exemptions, and the First Home Super Saver scheme — apply to purchases in Neutral Bay (2089). Eligibility depends on the purchase price and your individual circumstances.
How is Neutral Bay changing?
The Change section on this page covers new housing supply from the development pipeline, historical price trajectory, and demographic shifts for Neutral Bay (2089) using data from NSW Planning, the ATO, and the ABS.

Explore Neutral Bay in depth

Dig deeper into specific topics for Neutral Bay 2089: see flood risk, schools, walkability, and rental market as standalone pages. Or browse the full North Sydney suburb index to compare nearby options.