All Suburbs

Berowra

NSW 2081LGA: Hornsby Shire

Investment Score

75

/100

AI Intelligence Summary

Berowra, located approximately 40 kilometers north of the Sydney CBD, presents a unique blend of natural beauty and suburban charm. With a median house price of $1,450,000 and a median unit price of $680,000, the area is positioned as an upper-middle-class suburb. The population of 4,200 residents enjoys a relatively high median income of $95,000, indicating a strong economic foundation. The suburb's walkability score of 45.0/100 suggests that while it may not be the most pedestrian-friendly area, it still offers some amenities within walking distance. The schools rating of 7.0/10 and safety rating of 8.0/10 make Berowra an attractive option for families seeking a secure and decent educational environment. From an investment perspective, Berowra boasts an investment score of 75.0/100 and a growth potential of 78.0/100, suggesting a promising outlook for property value appreciation. The rental yield for houses stands at 3.2%, which, combined with a low vacancy rate of 1.8%, indicates a favorable rental market. Overall, Berowra offers a desirable lifestyle for those seeking a balance between natural surroundings, suburban amenities, and potential for investment growth.

Strengths

  • High median income indicating strong economic stability
  • Good schools rating making it attractive for families
  • High safety rating providing a secure living environment
  • Promising investment outlook with high growth potential

Opportunities

  • Potential for renovation or development of existing properties to increase value
  • Growing demand for rentals offers opportunities for investors to capitalize on low vacancy rates
  • Proximity to natural areas and parks presents opportunities for outdoor and environmental initiatives

Considerations

  • Relatively low walkability score suggesting limited pedestrian-friendly amenities
  • Distance to CBD could be a deterrent for those requiring frequent city access
  • High median house price may limit affordability for some buyers

Property Market

Median House

$1.45M

+8.5% 1yr

Median Unit

$680K

+6.2% 1yr

Median Townhouse

$950K

Rent (House)

$900/wk

Rent (Unit)

$630/wk

Days on Market

35

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+45.0%
Unit+6.2%+18.5%+38.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Townhouse Yield

3.8%

Investment Scorecard

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score65/100
Risk Score (lower = safer)72/100
Affordability Index52/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Berowra at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

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

5-Year Hold

Est. value
$2.23M
Capital gain
$711,615
After discount
$355,807
CGT payable
$138,765

10-Year Hold

Est. value
$3.43M
Capital gain
$1.91M
After discount
$956,644
CGT payable
$373,091

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$373,091

Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).

Demographics

Population

4,200

Median Age

43

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 78%Units: 15%Townhouses: 7%Total: 1,680

Lifestyle & Community

Walkability45/100
Public Transport7/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

12

Hospitals

1

Distance to CBD

40.0 km

Nearest Station: Berowra Station

Premium lifestyle focused on family living, outdoor recreation, and natural surroundings with bushwalking, boating at Berowra Waters, and proximity to national park

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Data sourced from multiple sources. Last updated 17 April 2026.

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