All Suburbs

Balgowlah

NSW 2093LGA: Northern Beaches Council

Investment Score

78

/100

AI Intelligence Summary

Balgowlah is a premium Northern Beaches suburb located 12km northeast of Sydney CBD, offering an enviable coastal lifestyle with strong property fundamentals. Home to 4,200 residents with a median age of 42, the suburb attracts affluent professionals and families drawn to its proximity to beaches, quality schools, and established community feel. The demographic profile shows high education levels (48% university educated) and strong household incomes ($95,000 median), reflecting its appeal to Sydney's professional class. Property values are robust with median house prices at $2.15 million and units at $1.25 million, supported by limited supply and consistent demand from lifestyle seekers. The suburb benefits from excellent recreational amenities including Balgowlah Golf Club, close beach access (0.8km), and quality local schools. While transport relies heavily on bus connections (72% drive to work), the B-Line services provide efficient CBD connectivity. The established shopping precinct along Condamine Street offers good local amenities, though residents often travel to nearby Manly for expanded options. Investment fundamentals remain strong with low vacancy rates (1.8%), reasonable rental yields, and steady capital growth driven by the Northern Beaches lifestyle premium and constrained housing supply.

Strengths

  • Premium Northern Beaches location with beach access within 800m
  • Strong demographic profile with high incomes and education levels
  • Established community amenities including golf club and quality schools
  • Robust property market with consistent capital growth

Opportunities

  • Continued Northern Beaches infrastructure improvements
  • Growing demand for coastal lifestyle properties
  • Potential for local commercial precinct enhancement
  • Aging population creating succession opportunities

Considerations

  • Heavy reliance on private vehicles with 72% driving to work
  • Limited public transport options compared to rail-connected suburbs
  • High property prices creating affordability barriers
  • Traffic congestion during peak periods on Northern Beaches corridors

Property Market

Median House

$2.15M

+4.2% 1yr

Median Unit

$1.25M

+3.8% 1yr

Median Townhouse

$1.85M

Rent (House)

$1,320/wk

Rent (Unit)

$980/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+35.8%
Unit+3.8%+16.2%+32.4%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score68/100
Risk Score (lower = safer)72/100
Affordability Index52/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Balgowlah at median house price

Standard transfer
$100,640
First Home Buyer
$100,640
Foreign buyer surcharge
$172,000

+8% surcharge

Annual rent income
$68,640

$1320/wk

Interest (80% LVR @ 6.5%)
-$111,800
Other expenses (~2.5%)
-$53,750
Net rental position
-$96,910

Negatively geared

Tax benefit (39% MTR)
+$37,795

Reduces taxable income

After-tax holding cost
$59,115/yr

~$1,137/week

Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$3.04M
Capital gain
$776,709
After discount
$388,355
CGT payable
$151,458

10-Year Hold

Est. value
$4.29M
Capital gain
$2.03M
After discount
$1.02M
CGT payable
$396,173

Investor Quick Summary

Entry cost (stamp duty)

$100,640

After-tax yield

1.95%

Weekly holding cost

$1137/wk

10yr CGT (est.)

$396,173

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

4,200

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 1,680

Lifestyle & Community

Walkability72/100
Public Transport6/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

35

Parks

8

Hospitals

1

Distance to CBD

12.0 km

Nearest Station: Wynyard Station (via bus)

Beach-oriented lifestyle with golf, recreational facilities, and café culture along local shopping strips

Interested in Balgowlah?

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

Data sourced from multiple sources. Last updated 26 March 2026.

Browse all suburbsContact DING