All Suburbs

Agnes Banks

NSW 2753LGA: City of Penrith

Investment Score

72

/100

AI Intelligence Summary

Agnes Banks is a small rural locality in NSW's Penrith Local Government Area, located approximately 50km west of Sydney CBD. This semi-rural community offers a peaceful lifestyle with larger residential blocks and acreage properties, attracting families seeking space and tranquility while maintaining reasonable access to urban amenities. The area is characterized by minimal local commercial facilities, with residents typically accessing services in nearby Penrith or Richmond. Properties feature significantly larger land sizes compared to metropolitan Sydney, with the market consisting primarily of family homes on substantial blocks. The suburb benefits from proximity to the Nepean River and recreational areas, offering natural amenities and outdoor lifestyle opportunities. Infrastructure is primarily road-based with limited public transport options, requiring reliance on private vehicles. The community profile reflects a family-oriented demographic with higher than average household sizes and income levels. While the property market experiences infrequent sales activity due to limited housing stock, values are influenced by Western Sydney's broader growth patterns and the area's rural character. Future development potential exists through broader Western Sydney infrastructure investments, though the area's rural nature and larger lot sizes may limit density increases.

Strengths

  • Large residential blocks and acreage properties offering space and privacy
  • Peaceful rural lifestyle while maintaining proximity to urban centres
  • Access to Nepean River and natural recreational areas
  • Family-friendly community with low density development

Opportunities

  • Western Sydney infrastructure development spillover benefits
  • Growing demand for rural lifestyle properties post-pandemic
  • Potential for subdivision of larger blocks subject to planning approval
  • Tourism and recreation development near Nepean River

Considerations

  • Limited local commercial amenities and services
  • Minimal public transport options requiring car dependency
  • Rural road network with some unsealed sections
  • Infrequent property sales activity limiting market liquidity

Property Market

Median House

$1.25M

+8.5% 1yr

Median Unit

$650K

+6.5% 1yr

Rent (House)

$750/wk

Rent (Unit)

$580/wk

Days on Market

65

Vacancy Rate

2.1%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+45.0%
Unit+6.5%+18.0%+35.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score65/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Agnes Banks at median house price

Standard transfer
$51,140
First Home Buyer
$51,140
Foreign buyer surcharge
$100,000

+8% surcharge

Annual rent income
$39,000

$750/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$57,250

Negatively geared

Tax benefit (39% MTR)
+$22,328

Reduces taxable income

After-tax holding cost
$34,923/yr

~$672/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.92M
Capital gain
$615,890
After discount
$307,945
CGT payable
$120,099

10-Year Hold

Est. value
$2.96M
Capital gain
$1.65M
After discount
$825,907
CGT payable
$322,104

Investor Quick Summary

Entry cost (stamp duty)

$51,140

After-tax yield

1.95%

Weekly holding cost

$672/wk

10yr CGT (est.)

$322,104

Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). Individual circumstances vary. This is general information only and not personal financial advice. Consult your CPA before making investment decisions. Local Knowledge Pty Ltd — Registered Tax Agent.

Demographics

Population

850

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

48.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 92%Units: 5%Townhouses: 3%Total: 320

Lifestyle & Community

Walkability35/100
Public Transport3/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

2

Parks

4

0
Distance to CBD

50.0 km

Nearest Station: Richmond Station

Rural lifestyle with large properties, proximity to Nepean River recreation, peaceful environment, family-oriented community activities, and access to outdoor pursuits including boating, fishing, and rural recreation.

Interested in Agnes Banks?

Get a personalised buyer brief with AI-powered property intelligence for this suburb.

Data sourced from multiple sources. Last updated 27 March 2026.

Browse all suburbsContact DING