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

As of Feb 2026, the estimated population of the suburb of Lloyd is around 1,674. This figure reflects an increase of 165 people since the 2021 Census, which reported a population of 1,509. The change is inferred from AreaSearch's resident population estimate of 1,660 following examination of the latest ERP data release by the ABS in June 2024 and an additional 70 validated new addresses since the Census date. This level of population results in a density ratio of 357 persons per square kilometer. The suburb of Lloyd's growth rate of 10.9% since the 2021 Census exceeded that of its SA3 area (4.2%) and SA4 region, marking it as a growth leader. Natural growth 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. Future population trends anticipate lower quartile growth of national non-metropolitan areas, with the suburb of Lloyd expected to grow by 94 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 4.8% in total over the 17 years.

AreaSearch analysis of residential development drivers sees Lloyd recording a relatively average level of approval activity when compared to local markets analysed countrywide

AreaSearch analysis indicates Lloyd had around 32 residential properties approved annually. Over the past five financial years, from FY-21 to FY-25, approximately 163 homes were granted approval, with another 6 approved so far in FY-26. On average, about 0.3 new residents arrived per year for each new home over these five years.

This suggests that new supply is meeting or exceeding demand, offering ample buyer choice and creating capacity for population growth beyond current forecasts. The average construction value of new properties was $393,000. This financial year has seen $2.6 million in commercial approvals, reflecting the area's residential character. Compared to the Rest of NSW, Lloyd shows 383.0% higher development activity per person, indicating greater choice for buyers despite recent moderation in development activity. This high level of activity reflects 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.

This represents a significant change from the current housing mix, which is currently 95.0% houses, reflecting reduced availability of development sites and shifting lifestyle demands and affordability requirements. The location has approximately 162 people per dwelling approval, indicating an expanding market. Future projections suggest Lloyd will add 80 residents by 2041, based on the latest AreaSearch quarterly estimate. 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. Notable projects include 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 list details those most relevant.

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The labour market in Lloyd shows considerable strength compared to most other Australian regions

Lloyd has a skilled workforce with essential services sectors well represented. Its unemployment rate is 2.4%, according to AreaSearch's aggregation of statistical area data. As of December 2025888 residents are employed, with an unemployment rate of 1.5% lower than Regional NSW's rate of 3.9%.

Workforce participation in Lloyd is high at 71.3%, compared to Regional NSW's 61.3%. Census responses indicate that only 9.9% of residents work from home. The key industries for employment among residents are health care & social assistance, public administration & safety, and retail trade. Notably, public administration & safety employs 1.7 times more residents than 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, as indicated by the count of Census working population to local population. In the 12-month period ending December 2025, Lloyd's labour force decreased by 2.8%, and employment declined by 3.0%, maintaining a relatively stable unemployment rate. In contrast, Regional NSW experienced an employment decline of 1.2% and a labour force decline of 0.8%, with a rise in unemployment rate by 0.4 percentage points. Jobs and Skills Australia's national employment forecasts from May-25 suggest that Lloyd's employment should increase by 6.6% over five years and 13.8% over ten years, based on industry-specific projections applied to the local employment mix.

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 Lloyd suburb is $73,332, with an average of $89,451, according to the latest postcode level ATO data aggregated by AreaSearch for financial year 2023. Nationally, this is extremely high compared to Regional NSW's median income of $52,390 and average income of $65,215. By September 2025, estimated incomes would be approximately $79,829 (median) and $97,376 (average), based on an 8.86% Wage Price Index growth since financial year 2023. In Lloyd, household, family, and personal incomes rank highly nationally, between the 80th and 85th percentiles, as per the 2021 Census data. The earnings profile shows that 44.7% of individuals earn between $1,500 - 2,999 weekly, reflecting metropolitan patterns where 29.9% fall within this range. A substantial proportion, 30.3%, earn above $3,000 per week, indicating strong economic capacity throughout the area. Housing accounts for 14.4% of income, with residents ranking in 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

The dwelling structure in Lloyd, as per the latest Census, consisted of 95.4% houses and 4.6% other dwellings (semi-detached, apartments, 'other' dwellings). In comparison, Regional NSW had 82.6% houses and 17.4% other dwellings. Home ownership in Lloyd was at 22.5%, with the remaining dwellings either mortgaged (55.7%) or rented (21.8%). The median monthly mortgage repayment in Lloyd was $1,803, above Regional NSW's average of $1,733. The median weekly rent figure in Lloyd was recorded at $420, compared to Regional NSW's $330. Nationally, Lloyd's mortgage repayments were lower than the Australian average of $1,863, while rents were substantially above the national figure of $375.

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

Family households compose 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 account for 25.1%, with lone person households at 22.1% and group households comprising 2.6%. The median household size is 2.7 people, higher 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

In Lloyd Trail, 23.5% of residents aged 15 and above hold university degrees, compared to the NSW average of 32.2%. This indicates a gap highlighting 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%). Vocational credentials are prominent, with 40.1% of residents aged 15 and above holding them, including advanced diplomas (12.2%) and certificates (27.9%).

Educational participation is high, with 31.1% of residents currently enrolled in formal education. This includes 10.5% in primary education, 9.0% in secondary education, 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

The analysis of public transport in Lloyd reveals five active transport stops operating within the area, all of which are bus stops. These stops are serviced by fifteen individual routes, collectively providing 264 weekly passenger trips. Transport accessibility is rated as good, with residents typically located 208 meters from the nearest transport stop. As a primarily residential area, most residents commute outward. The dominant mode of transportation remains the car, used by 98% of residents. Vehicle ownership averages 1.7 per dwelling, which is above the regional average.

According to the 2021 Census, a relatively low 9.9% of residents work from home, which may reflect COVID-19 conditions. Service frequency averages 37 trips per day across all routes, equating to approximately 52 weekly trips per individual stop.

Lloyd's residents are healthier than average in comparison to broader Australia with prevalence of common health conditions quite low across both younger and older age cohorts

Health data indicates relatively positive outcomes for Lloyd residents. AreaSearch's analysis shows mortality rates and health conditions are broadly in line with national benchmarks. The prevalence of common health conditions is quite low across both younger and older age cohorts.

Approximately 62% of the total population (1,041 people) has private health cover, 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 (174 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's population showed low cultural diversity, with 86.8% born in Australia, 94.2% being citizens, and 87.6% speaking English only at home. Christianity was the predominant religion, accounting for 63.4%, compared to 55.9% regionally. Ancestry revealed Australian parents as 30.5%, English 28.9%, and Irish 9.9%.

Notably, Dutch ancestry was higher at 1.7% (vs regional 1.0%), Samoan at 0.5% (vs 0.1%), and Australian Aboriginal lower at 3.4% (vs regional 4.6%).

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

The median age in Lloyd is 33 years, which is considerably lower than Regional NSW's average of 43 years, and substantially under the national average of 38 years. Compared to the Regional NSW average, the 5-14 cohort is notably over-represented at 16.0% locally, while the 75-84 year-olds are under-represented at 3.0%. Post-2021 Census data shows that the 15 to 24 age group has grown from 13.1% to 14.6%, and the 45 to 54 cohort increased from 11.7% to 12.9%. Conversely, the 25 to 34 cohort has declined from 18.4% to 14.9%, and the 0 to 4 group dropped from 8.4% to 7.2%. Population forecasts for 2041 indicate substantial demographic changes for Lloyd. Leading this shift, the 25 to 34 age group is projected to grow by 19%, reaching 296 people from 249. Meanwhile, both the 55 to 64 and 65 to 74 age groups are expected to see reduced numbers.