Lloyd

Lloyd lies within the top quartile of areas nationally for population growth performance according to AreaSearch analysis of recent, and medium to long-term trends

Based on analysis of ABS population updates for the broader area and new addresses validated by AreaSearch, as of May 2026, the estimated population of the suburb of Lloyd is around 1,656. This reflects an increase of 147 people since the 2021 Census, which reported a population of 1,509 people. The change is inferred from the resident population of 1,656, estimated by AreaSearch following examination of the latest ERP data release by the ABS in June 2025 and an additional 76 validated new addresses since the Census date. This level of population equates to a density ratio of 353 persons per square kilometer. The suburb of Lloyd's growth of 9.7% since the 2021 census exceeded the SA4 region (2.2%) and the SA3 area, marking it as a growth leader in the region. Population growth for the area was primarily driven by natural growth that contributed approximately 58% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, released in 2024 with 2022 as the base year. For areas not covered by this data, AreaSearch utilises NSW State Government's SA2 level projections released in 2022 with 2021 as the base year. Growth rates by age group from these aggregations are applied to all areas for years 2032 to 2041. Examining future population trends, a population increase just below the median of regional areas across the nation is expected. The suburb of Lloyd is expected to grow by 89 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of approximately 5.4% in total over the 16 years.

Recent residential development output has been above average within Lloyd when compared nationally

Based on AreaSearch analysis using ABS building approval data, Lloyd has recorded approximately 32 residential properties granted approval annually. Over the past five financial years, from FY-21 to FY-25, around 163 homes were approved, with a further 8 approved so far in FY-26. On average, about 2.5 people moved to the area per new home constructed over these five years, indicating healthy demand that supports property values.

New homes are being built at an average expected construction cost of $393,000. This year has seen approximately $2.6 million in commercial approvals, suggesting the area's residential character. Comparatively, Lloyd shows 349.0% higher development activity per person than the Rest of NSW, reflecting strong developer confidence in the area. Recent construction comprises 60.0% detached dwellings and 40.0% medium to high-density housing, with a growing mix of townhouses and apartments providing options across different price points. The location has approximately 172 people per dwelling approval, indicating an expanding market. Future projections from the latest AreaSearch quarterly estimate suggest Lloyd will add 89 residents by 2041.

At current development rates, new housing supply should comfortably meet demand, providing good conditions for buyers and potentially supporting growth beyond current population projections.

Lloyd has very high levels of nearby infrastructure activity, ranking in the top 10% nationally

Changes to local infrastructure significantly impact an area's performance. AreaSearch has identified four projects likely to affect this region: Lake Albert Water Sports and Event Precinct, Glenfield Road Upgrades (Wagga Wagga), Wagga Wagga Special Activation Precinct, and Hungry Jack's Glenfield Park. The following details those most relevant.

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Employment conditions in Lloyd demonstrate exceptional strength compared to most Australian markets

Lloyd's workforce is skilled with well-represented essential services sectors. The unemployment rate is 2.3%, according to AreaSearch's statistical area data aggregation as of December 2025. There are 931 residents employed, with an unemployment rate 1.6% lower than Regional NSW's 3.9%.

Workforce participation stands at 75.0%, higher than Regional NSW's 60.5%. Census responses reveal that 9.9% of residents work from home, considering Covid-19 lockdown impacts. Key industries for employment among residents are health care & social assistance, public administration & safety, and retail trade. Public administration & safety is particularly strong, with an employment share 1.7 times the regional level.

Conversely, agriculture, forestry & fishing employs just 1.2% of local workers, below Regional NSW's 5.3%. Many residents commute elsewhere for work based on Census working population to local population count. From December 2024 to November 2025, labour force decreased by 1.1% and employment declined by 1.2%, keeping the unemployment rate relatively stable in Lloyd. In contrast, Regional NSW experienced a 1.2% employment decline and 0.8% labour force decline with a 0.4 percentage point rise in unemployment. Jobs and Skills Australia's national employment forecasts from May-25 project national employment growth of 6.6% over five years and 13.7% over ten years, with varying rates between industry sectors. Applying these projections to Lloyd's employment mix suggests local employment should increase by 6.6% over five years and 13.8% over ten years, based on a simple weighting extrapolation for illustrative purposes.

The economic profile demonstrates exceptional strength, placing the area among the top 10% nationally based on comprehensive AreaSearch income analysis

The median taxpayer income in the suburb of Lloyd is $73,332, with an average of $89,451, according to postcode level ATO data aggregated by AreaSearch for the financial year 2023. Nationally, this is extremely high compared to Regional NSW's median income of $52,390 and average income of $65,215. Based on Wage Price Index growth of 10.32% since financial year 2023, current estimates for Lloyd would be approximately $80,900 (median) and $98,682 (average) as of March 2026. In the 2021 Census, incomes in Lloyd ranked highly nationally, between the 80th and 85th percentiles for household, family, and personal incomes. The earnings profile shows that 44.7% of the community earns between $1,500 and $2,999 per week (740 individuals), similar to the metropolitan region where 29.9% fall into this range. A substantial proportion of high earners, at 30.3%, indicates strong economic capacity throughout the area. Housing accounts for 14.4% of income, and residents rank within the 81st percentile for disposable income. The area's SEIFA income ranking places it in the 7th decile.

Lloyd is characterized by a predominantly suburban housing profile, with ownership patterns similar to the broader region

In Lloyd, as per the latest Census evaluation, 95.4% of dwellings were houses with the remaining 4.6% comprising semi-detached properties, apartments, and other types. This contrasts with Regional NSW's figures of 82.6% houses and 17.4% other dwellings. Home ownership in Lloyd stood at 22.5%, with mortgaged dwellings accounting for 55.7% and rented ones making up 21.8%. The median monthly mortgage repayment in the area was $1,803, exceeding Regional NSW's average of $1,733. Meanwhile, the median weekly rent in Lloyd was $420, higher than Regional NSW's figure of $330. Nationally, Lloyd's mortgage repayments were lower than the Australian average of $1,863, while rents were substantially higher at $375.

Lloyd has a typical household mix, with a higher-than-average median household size

Family households account for 74.9% of all households, including 39.4% couples with children, 26.0% couples without children, and 8.7% single parent families. Non-family households make up the remaining 25.1%, with lone person households at 22.1% and group households comprising 2.6%. The median household size is 2.7 people, larger than the Regional NSW average of 2.4.

Lloyd demonstrates exceptional educational outcomes, ranking among the top 5% of areas nationally based on AreaSearch's comprehensive analysis of qualification and performance metrics

Lloyd Trail's educational qualifications trail regional benchmarks, with 23.5% of residents aged 15+ holding university degrees compared to NSW's 32.2%. This gap indicates potential for educational development and skills enhancement. Bachelor degrees are the most common at 16.9%, followed by postgraduate qualifications (3.8%) and graduate diplomas (2.8%). Trade and technical skills are prominent, with 40.1% of residents aged 15+ holding vocational credentials – advanced diplomas at 12.2% and certificates at 27.9%.

Educational participation is high, with 31.1% of residents currently enrolled in formal education, including 10.5% in primary, 9.0% in secondary, and 4.4% pursuing tertiary education.

Transport servicing is moderate compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility

Lloyd has five active public transport stops operating within its boundaries, all of which service buses. These stops are served by fifteen different routes that collectively facilitate 264 weekly passenger trips. Transport accessibility is deemed good, with residents typically residing 208 meters from the nearest stop. Primarily residential, most Lloyd residents commute outward using cars, which remain the dominant mode at 98%. Vehicle ownership averages 1.7 per dwelling, exceeding the regional average. According to the 2021 Census, only 9.9% of residents work from home, potentially due to COVID-19 conditions.

Service frequency averages 37 trips per day across all routes, equating to approximately 52 weekly trips per stop.

The level of general health in Lloyd is notably higher than the national average with both young and old age cohorts seeing low prevalence of common health conditions

Lloyd demonstrates above-average health outcomes based on AreaSearch's assessment of mortality rates and chronic condition prevalence. Both young and old age cohorts show low prevalence of common health conditions. The rate of private health cover is exceptionally high at approximately 62% of the total population (1,030 people), compared to 51.9% across Regional NSW and a national average of 55.7%.

The most common medical conditions are asthma and mental health issues, impacting 9.6% and 8.4% of residents respectively. 70.7% of residents declare themselves completely clear of medical ailments, compared to 63.3% across Regional NSW. Health outcomes among the working-age population are broadly typical. The area has 10.4% of residents aged 65 and over (172 people), lower than the 23.4% in Regional NSW. Health outcomes among seniors are above average, with national rankings broadly in line with the general population.

Lloyd ranks below the Australian average when compared to other local markets across a number of language and cultural background related metrics

Lloyd had a cultural diversity level below average, with 86.8% of its population born in Australia, 94.2% being citizens, and 87.6% speaking English only at home. Christianity was the predominant religion in Lloyd, accounting for 63.4% of the population, compared to 55.9% across Regional NSW. The top three ancestry groups were Australian (30.5%), English (28.9%), and Irish (9.9%).

Notably, Dutch ethnicity was overrepresented at 1.7%, Samoan at 0.5%, and Australian Aboriginal at 3.4%.

Lloyd hosts a very young demographic, ranking in the bottom 10% of areas nationwide

The median age in Lloyd is 33 years, which is significantly lower than Regional NSW's average of 43 years and substantially under the national average of 38 years. Compared to Regional NSW, the 5-14 age cohort is notably over-represented at 15.9% locally, while the 75-84 year-olds are under-represented at 3.0%. Post-2021 Census data shows that the 45-54 age group has grown from 11.7% to 13.3%, and the 15-24 cohort increased from 13.1% to 14.4%. Conversely, the 25-34 cohort has declined from 18.4% to 14.4%, and the 0-4 group dropped from 8.4% to 7.3%. Population forecasts for 2041 indicate substantial demographic changes in Lloyd. Leading this shift, the 25-34 age group is projected to grow by 20%, reaching 285 people from 238. Meanwhile, both the 55-64 and 65-74 age groups are expected to see reduced numbers.