St Clair vs Toukley

The median house price is $940K in St Clair and $935K in Toukley, so Toukley is the cheaper entry point, with St Clair houses about 1% dearer.

For units, St Clair sits at a median of $665K against $590K in Toukley, which makes Toukley the more affordable unit market and St Clair the pricier one.

On cash flow, St Clair leads: houses there return a gross rental yield of 3.30%, compared with 3.22% in Toukley, a gap of 0.08 percentage points.

Over the past year house prices moved +7.2% in St Clair (an estimate) and +11.4% in Toukley, so recent momentum favours Toukley, although both suburbs recorded growth.

Looking back three years, St Clair houses are +8.2% and Toukley houses +19.2%, so Toukley has compounded faster than St Clair over the longer window.

Rental vacancy is 1.1% in Toukley and 1.3% in St Clair, so landlords in Toukley face less competition for tenants. Anything under 2% is generally read as a tight market where tenants compete for homes.

St Clair is the bigger suburb, with a population of 19,959 against 4,557, roughly 4.4 times the size of Toukley; a larger suburb usually means a deeper pool of buyers and tenants.

In short: St Clair for rental income, Toukley for a lower purchase price, Toukley for recent price momentum, Toukley for the tighter rental market. Which matters more depends on whether the investor is buying for cash flow, capital growth or affordability.