Stickybeak

Bilgola Beach 2107 suburb insights

Thinking about buying in Bilgola Beach (2107)? This page consolidates 16 data cards from NSW government, the ABS, and Transport for NSW to help you build a complete picture of what ownership and life in the Northern Beaches suburb actually looks like. The analysis covers affordability signals — median sale prices, rental yield, and first home buyer eligibility — alongside lifestyle indicators including school catchments and walkability, risk factors such as flood and bushfire exposure, and suburb-change metrics covering the development pipeline and price trajectory. Jump between the four sections using the sticky navigation above, or scroll through the full analysis below.

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

All data has limits. See our data caveats.

Affordability

Can I afford Bilgola Beach?

Can I afford Bilgola Beach?

Serviceability check

What would a typical mortgage look like in Bilgola Beach? Based on the suburb median of $6,750,000 (houses) and the local median household income.

Monthly repayment
$33,319/mo

6.3% variable · Apr 2026

Repayment-to-income
178.9%

Stretch

Loan assumptions
$5,400,000 loan
20% deposit ($1,350,000)
30-year P&I

At today's rate, repayments here would eat 179% of the typical local household's gross income. That is out of reach for most buyers.

Repayment burden vs Sydney median income
Bilgola Beach178.9%
Sydney median income371.4%
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 Bilgola Beach?

Rental market in Bilgola Beach

Median weekly rent from lodged bonds. Sep 2025. Bond count suppressed by DCJ (30 or fewer lodgements this quarter).

Rents here sit around the Sydney middle. A balance of rental stock and owner-occupier demand.

Median weekly rent · Unit · All
Small sample
$695per week
Sep 2025 · bond count suppressed
Quarterly trend · last 12 quarters
Dec 22: $625 per week (bond count suppressed)Mar 23: $638 per week (bond count suppressed)Jun 23: $670 per week (bond count suppressed)Sep 23: $630 per week (bond count suppressed)Dec 23: $650 per week (bond count suppressed)Mar 24: $600 per week (bond count suppressed)Jun 24: $725 per week (bond count suppressed)Sep 24: $725 per week (bond count suppressed)Dec 24: $638 per week (bond count suppressed)Mar 25: $800 per week (bond count suppressed)Jun 25: $685 per week (bond count suppressed)Sep 25: $695 per week (bond count suppressed)Dec 22Jun 24Sep 25

Nearby suburbs · same combination

Palm Beach2108
…
3.2 km away
Newport2106
…
3.2 km away
Church Point2105
…
4.2 km away
Bayview2104
…
4.8 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

Bilgola Beach Lifestyle

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

Dealbreakers

Any dealbreakers?

View dealbreakers as a standalone report →

Change

How might Bilgola Beach change?

DEVELOPMENT PIPELINE · NSW PLANNING PORTAL · 2107

What’s in the pipeline

NSW Planning Portal feed paused at the source for postcode 2107. Expected back by Q3 2026.

NSW PLANNING PORTAL
How might Bilgola Beach change?

Investor activity in Bilgola Beach

2107 · 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 Bilgola Beach under the median ($6,750,000).

Search on Domain
3
Join the contract-review waitlist

Have your Section 66W reviewed before you sign.

Join the waitlist

Track Bilgola Beach.

Get one email when Bilgola Beach's prices, FHB eligibility, or strata health change. No newsletter, no upsell, unsubscribe with one click.

Compare Bilgola Beach with another suburb

Also in Northern Beaches

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

Avalon Beach 2107Balgowlah 2093Bayview 2104Brookvale 2100

Frequently asked questions

What suburb is postcode 2107?
Bilgola Beach is the primary suburb with postcode 2107 in New South Wales. In some cases multiple suburbs share the same postcode — Bilgola Beach is the main locality.
Which local government area is Bilgola Beach in?
Bilgola Beach (2107) is located in the Northern Beaches local government area in New South Wales.
What data does Stickybeak show for Bilgola Beach?
Stickybeak shows 16 data cards for Bilgola Beach (2107) 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 Bilgola Beach flood prone?
Flood risk varies street by street in Bilgola Beach. 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 Bilgola Beach?
The Schools card on this page lists primary and secondary schools within the catchment area for Bilgola Beach (2107), including their NAPLAN performance data and distance from the suburb centre.
Is Bilgola Beach (2107) 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 Bilgola Beach (2107). Eligibility depends on the purchase price and your individual circumstances.
How is Bilgola Beach changing?
The Change section on this page covers new housing supply from the development pipeline, historical price trajectory, and demographic shifts for Bilgola Beach (2107) using data from NSW Planning, the ATO, and the ABS.

Explore Bilgola Beach in depth

Dig deeper into specific topics for Bilgola Beach 2107: see flood risk, schools, walkability, and rental market as standalone pages. Or browse the full Northern Beaches suburb index to compare nearby options.