Lochinvar vs Oswald

Lochinvar is the younger of the two, with a median age of 40 against 44 in Oswald. In both, the large majority of households own their home, the large majority of homes are detached houses, and most households are couple families. On these figures, Oswald tends to suit people living alone.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Lochinvar

ahead on 2 of the 6 things we measure here

  • has more childcare (4 vs 0)
  • has more schools inside the suburb (3 vs 0)
  • But Oswald carries lower crime risk (73/100 vs 90/100)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Lochinvar

ahead on the one thing that separates them

  • leaves households under less mortgage stress (22% vs 30%)

Weighs mortgage stress.

Renters

Oswald

ahead on the one thing that separates them

  • has a bigger rental market to choose from (23% vs 12%)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

They split

one each way, out of the 3 things we measure here

  • Lochinvar is more walkable (26/100 vs 16/100)
  • Oswald sits closer to the CBD (174.4 km vs 177.2 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

one each way, out of the 4 things we measure here

  • Lochinvar is more walkable (26/100 vs 16/100)
  • Oswald carries lower crime risk (73/100 vs 90/100)

Weighs who already lives there, GPs, walkability, and crime.

Investors

Lochinvar

ahead on the one thing that separates them

  • is growing faster (39.7% vs 0.0%)

Weighs population growth.

Where they sit

Lochinvar and Oswald drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Lochinvar Oswald
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Lochinvar Oswald
Walkability 26 / 16
Lochinvar — Walkability: 26/100 Oswald — Walkability: 16/100
Safety 10 / 27
Lochinvar — Safety: 10/100 Oswald — Safety: 27/100
Low fire risk 79 / 100
Lochinvar — Low fire risk: 79/100 Oswald — Low fire risk: 100/100

Demographics

Lochinvar has more residents (1,095 vs 88); Oswald skews older (44 vs 40).

Lochinvar Oswald
Population 1,095
+92% vs other
 88
Population trend (2016 → 2021) +39.7% +0.0%
Median age 40 44
Median household income $118,924/yr
+7% vs other
 $110,500/yr
Median weekly rent $370/wk
+5% vs other
 $350/wk

Age profile

Share of residents in each band, 2021 Census.

Lochinvar Oswald
0-4 7.9% / 3.4%
Lochinvar — 0-4: 7.9% Oswald — 0-4: 3.4%
5-14 13.9% / 15.9%
Lochinvar — 5-14: 13.9% Oswald — 5-14: 15.9%
15-19 4.7% / 8.0%
Lochinvar — 15-19: 4.7% Oswald — 15-19: 8.0%
20-24 4.5% / 6.8%
Lochinvar — 20-24: 4.5% Oswald — 20-24: 6.8%
25-34 12.7% / —
Lochinvar — 25-34: 12.7% Oswald — 25-34: not among its largest
35-44 13.0% / 13.6%
Lochinvar — 35-44: 13.0% Oswald — 35-44: 13.6%
45-54 13.9% / 25.0%
Lochinvar — 45-54: 13.9% Oswald — 45-54: 25.0%
55-64 12.2% / 3.4%
Lochinvar — 55-64: 12.2% Oswald — 55-64: 3.4%
65-74 10.6% / 8.0%
Lochinvar — 65-74: 10.6% Oswald — 65-74: 8.0%
75-84 4.8% / 6.8%
Lochinvar — 75-84: 4.8% Oswald — 75-84: 6.8%
85+ 1.8% / 3.4%
Lochinvar — 85+: 1.8% Oswald — 85+: 3.4%

Bars are drawn against the largest share shown (25.0%).

Who lives together

Household composition, 2021 Census.

Lochinvar 56.9% couple families
Lochinvar — Couple Families: 56.9% Lochinvar — Lone Person: 22.5% Lochinvar — One Parent Families: 15.0% Lochinvar — Other Families: 3.6% Lochinvar — Group Household: 2.0%
Oswald 64.0% couple families
Oswald — Couple Families: 64.0% Oswald — Lone Person: 36.0% Oswald — One Parent Families: 0.0% Oswald — Other Families: 0.0% Oswald — Group Household: 0.0%
Couple Families Lone Person One Parent Families Other Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Lochinvar 12.0% renting
Lochinvar — Owned Outright: 34.7% Lochinvar — Mortgage: 53.2% Lochinvar — Renting: 12.0%
Oswald 23.3% renting
Oswald — Owned Outright: 43.3% Oswald — Mortgage: 33.3% Oswald — Renting: 23.3%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Lochinvar Oswald
Certificate III & IV 21.6% / 11.4%
Lochinvar — Certificate III & IV: 21.6% Oswald — Certificate III & IV: 11.4%
Bachelor Degree 7.3% / 12.5%
Lochinvar — Bachelor Degree: 7.3% Oswald — Bachelor Degree: 12.5%
Advanced Diploma / Diploma 8.3% / 3.4%
Lochinvar — Advanced Diploma / Diploma: 8.3% Oswald — Advanced Diploma / Diploma: 3.4%
Graduate Diploma / Certificate 1.4% / 4.5%
Lochinvar — Graduate Diploma / Certificate: 1.4% Oswald — Graduate Diploma / Certificate: 4.5%
Postgraduate Degree 1.7% / —
Lochinvar — Postgraduate Degree: 1.7% Oswald — Postgraduate Degree: not among its largest

Bars are drawn against the largest share shown (21.6%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Lochinvar Oswald
New Zealand 1.4% / 4.5%
Lochinvar — New Zealand: 1.4% Oswald — New Zealand: 4.5%
Netherlands — / 5.7%
Lochinvar — Netherlands: not among its largest Oswald — Netherlands: 5.7%
England 1.7% / —
Lochinvar — England: 1.7% Oswald — England: not among its largest
Germany 0.5% / —
Lochinvar — Germany: 0.5% Oswald — Germany: not among its largest
Indonesia 0.4% / —
Lochinvar — Indonesia: 0.4% Oswald — Indonesia: not among its largest
Canada 0.4% / —
Lochinvar — Canada: 0.4% Oswald — Canada: not among its largest

Bars are drawn against the largest share shown (5.7%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Lochinvar 97.0% houses
Lochinvar — Houses: 97.0% Lochinvar — Flats / Apartments: 2.2% Lochinvar — Townhouses: 0.8%
Oswald 100.0% houses
Oswald — Houses: 100.0% Oswald — Flats / Apartments: 0.0% Oswald — Townhouses: 0.0%
Houses Flats / Apartments Townhouses

Property market

Lochinvar Oswald
Median house price $800,000 —
Median unit price $657,500 —
Median land price $440,000 —
Typical days to sell (houses) 48 days
from 83 sales
 —

Zoning mix

Oswald has more rural and farming land (97% vs 62%).

Lochinvar Oswald
Rural and farming 62% 97%
Residential 28% 0%
Industrial 4% 0%
Environmental 3%
same for both
Infrastructure and transport 2% 0%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Lochinvar Oswald
New dwellings approved 1,413
across Maitland
same for both
Approvals change year on year +20%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Lochinvar Oswald
Houses 3.4%
$670/wk on $1.01M
 —
Units —
same for both

Ranking within NSW

Lochinvar Oswald
House price Higher than 38% of NSW —
Income Higher than 83% of NSW Higher than 76% of NSW
Schools Higher than 89% of NSW —
Walkability Higher than 73% of NSW Higher than 66% of NSW
Affordability Higher than 84% of NSW —
EV adoption Higher than 57% of NSW
same for both
NBN connectivity Higher than 89% of NSW Higher than 59% of NSW
Rental yield (houses) Higher than 42% of NSW —

Liveability

Lochinvar is more walkable (26 vs 16).

Lochinvar Oswald
Grade B —
Score 49/100 —
Socio-economic band mid-range socio-economic
decile 6/10
 advantaged area
decile 7/10

Risk profile

Lochinvar carries more bushfire risk (21 vs 0); Lochinvar carries more crime risk (90 vs 73).

Lochinvar Oswald
Bushfire Low
21/100
 None
0/100
Crime High
90/100
 High
73/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 4
within 5 km
 2
within 5 km

Schools

Lochinvar Oswald
Inside the suburb 3 0
Rated above peers 2 0
Rated at peers 1 0
Rated below peers 0
same for both

Schools in Lochinvar

  • Lochinvar Public School Government · Primary above peers
  • St Patrick's Primary School Catholic · Primary above peers
  • St Joseph's College Catholic · Secondary at peers

Schools in Oswald

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Amenities in the suburb

Lochinvar Oswald
Parks & reserves 2 0
Childcare 4 0
GPs 1 0
Police stations 1 0
Waterways 8 0

Mobility

Lochinvar sits further from the CBD (177.2 km vs 174.4 km).

Lochinvar Oswald
Walkability score 26/100 16/100
Distance to Sydney 177.2 km
+2% vs other
 174.4 km
Drive time (normal traffic) 125 min 124 min
Electric vehicle share 0.6%
postcode 2321
same for both
Rooftop solar per 100 dwellings 69
postcode 2321
same for both

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Lochinvar Oswald
Car (driver) 70.3% / 75.8%
Lochinvar — Car (driver): 70.3% Oswald — Car (driver): 75.8%
Worked from Home 23.4% / 15.2%
Lochinvar — Worked from Home: 23.4% Oswald — Worked from Home: 15.2%
Walked Only 2.3% / 9.1%
Lochinvar — Walked Only: 2.3% Oswald — Walked Only: 9.1%
Car (passenger) 4.1% / —
Lochinvar — Car (passenger): 4.1% Oswald — Car (passenger): not among its largest

Bars are drawn against the largest share shown (75.8%).

Setting

Lochinvar Oswald
Elevation 48 m
above sea level, at the suburb centre
 25 m
above sea level, at the suburb centre
Distance to the ocean 33.3 km 36.7 km

NBN connectivity

Lochinvar Oswald
Connectivity score 81/100 30/100
Most common technology Fibre to the premises Fixed wireless
Full-fibre (FTTP) share 72%
1,323 premises
 0%
27 premises

Climate

Lochinvar Oswald
Annual rainfall 804 mm
same for both
Summer max (Jan) 30.0°C
same for both
Winter min (Jul) 5.1°C
same for both

Air quality (annual mean)

Lochinvar Oswald
PM2.5 6.3 µg/m³ —
PM10 17.5 µg/m³ 19.5 µg/m³
NO₂ 0.72 pphm —

Council rates

Lochinvar Oswald
Average residential rate $1,908/yr
same for both
Council Maitland
same for both

Federal electorate

Lochinvar Oswald
Division Paterson
same for both
Member Meryl Swanson
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Lochinvar Oswald
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Lochinvar

Acreage

Oswald

Rural

More comparisons

Other comparisons with Lochinvar

Lochinvar vs Rutherford Lochinvar vs Windella Lochinvar vs Farley Lochinvar vs Bishops Bridge Lochinvar vs Luskintyre Lochinvar vs Allandale

Other comparisons with Oswald

Oswald vs Luskintyre Oswald vs Allandale Oswald vs Harpers Hill
Full data on Lochinvar Full data on Oswald
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Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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