All Suburbs

Berowra Heights

NSW 2082LGA: Hornsby Shire

Investment Score

72

/100

AI Intelligence Summary

Berowra Heights is an established, leafy suburb in Sydney's Upper North Shore, approximately 36km from the CBD. This low-density residential area is characterized by large blocks, predominantly detached homes, and a strong bushland setting adjacent to Ku-ring-gai Chase National Park. The suburb attracts affluent families and professionals seeking a peaceful, semi-rural lifestyle while maintaining reasonable access to Sydney's employment centers via Hornsby. The demographic profile skews toward middle-aged professionals with above-average incomes, creating a stable, family-oriented community. Property values reflect the suburb's desirable location and limited housing supply, with steady long-term growth supported by the area's natural amenities and proximity to quality schools and transport links. However, the suburb faces challenges including limited public transport options, increasing car dependency, and bushfire risk considerations that can impact insurance costs and property values.

Strengths

  • Prime Upper North Shore location with bushland setting
  • Proximity to Ku-ring-gai Chase National Park for recreation
  • Strong community feel with active local groups
  • Large blocks and low-density housing

Opportunities

  • Growing demand for lifestyle properties post-COVID
  • Potential for property renovations and improvements
  • Eco-tourism and nature-based recreation growth
  • Technology infrastructure improvements

Considerations

  • Limited public transport connectivity
  • High car dependency due to location
  • Bushfire risk considerations
  • Limited local shopping and amenities

Property Market

Median House

$1.65M

+8.5% 1yr

Median Unit

$850K

+6.2% 1yr

Median Townhouse

$1.20M

Rent (House)

$900/wk

Rent (Unit)

$680/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+24.2%+42.8%
Unit+6.2%+18.5%+35.2%

Rental Yields

House Yield

2.8%

Unit Yield

4.2%

Townhouse Yield

3.2%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score58/100
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 Berowra Heights at median house price

Standard transfer
$73,140
First Home Buyer
$73,140
Foreign buyer surcharge
$132,000

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$85,800
Other expenses (~2.5%)
-$41,250
Net rental position
-$80,250

Negatively geared

Tax benefit (39% MTR)
+$31,298

Reduces taxable income

After-tax holding cost
$48,953/yr

~$941/week

Based on 8.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.49M
Capital gain
$756,511
After discount
$378,256
CGT payable
$147,520

10-Year Hold

Est. value
$3.75M
Capital gain
$2.02M
After discount
$1.01M
CGT payable
$393,883

Investor Quick Summary

Entry cost (stamp duty)

$73,140

After-tax yield

1.71%

Weekly holding cost

$941/wk

10yr CGT (est.)

$393,883

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

3,200

Median Age

44

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

38.0%

Dwelling Mix

Houses: 85%Units: 12%Townhouses: 3%Total: 1,280

Lifestyle & Community

Walkability35/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

3

Parks

8

Hospitals

1

Distance to CBD

36.0 km

Nearest Station: Hornsby Station

Peaceful, semi-rural lifestyle with easy access to national parks, bushwalking, and nature-based recreation

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

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