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Berry

NSW 2535LGA: Shoalhaven City

Investment Score

75

/100

AI Intelligence Summary

Berry is a charming suburban town on the NSW South Coast, offering a unique blend of rural charm and modern amenities. With a median house price of $1,150,000 and a median unit price of $750,000, the area is considered a premium market, attracting families and professionals seeking a relaxed lifestyle. The suburb boasts a high safety rating of 9.0/10, a schools rating of 7.0/10, and a walkability score of 65.0/100, making it an attractive option for those prioritizing lifestyle and community. The median income of $78,000 and a relatively low vacancy rate of 1.2% indicate a strong and stable local economy. From an investment perspective, Berry presents a compelling opportunity, with an investment score of 75.0/100 and a growth potential of 72.0/100. The rental yield for houses is 3.2%, which, although moderate, is offset by the area's potential for long-term capital appreciation. While the distance to the CBD is 150.0 km, the region's natural beauty, outdoor recreational opportunities, and growing tourism industry make it an appealing destination for those seeking a escape from city life. Overall, Berry's unique blend of lifestyle, market position, and investment outlook make it an attractive option for buyers and investors seeking a balanced and rewarding investment.

Strengths

  • High safety rating of 9.0/10, indicating a secure and stable community
  • Strong schools rating of 7.0/10, providing quality education options
  • Relaxed lifestyle with easy access to outdoor recreational activities
  • Premium market with high median house and unit prices, attracting affluent buyers

Opportunities

  • Growing demand for premium housing and lifestyle properties, driven by affluent buyers
  • Increasing tourism industry, providing opportunities for local businesses and investors to capitalize on the region's natural beauty
  • Potential for infrastructure development and upgrades, improving the area's amenities and services
  • Opportunities for investors to capitalize on the area's growth potential and long-term capital appreciation

Considerations

  • Distance to CBD of 150.0 km, potentially limiting job and education opportunities
  • Moderate rental yield of 3.2% for houses, which may not be attractive to all investors
  • Potential for limited amenities and services compared to larger urban centers
  • Traffic and congestion during peak tourist season, which may impact local residents

Property Market

Median House

$1.15M

+3.5% 1yr

Median Unit

$750K

+2.8% 1yr

Median Townhouse

$950K

Rent (House)

$720/wk

Rent (Unit)

$580/wk

Days on Market

45

Vacancy Rate

1.2%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+3.5%+28.0%+45.0%
Unit+2.8%+25.0%+42.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score75/100
Growth Potential72/100
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 Berry at median house price

Stamp Duty Estimate
Standard transfer
$46,280
First Home Buyer
$46,280
Foreign buyer surcharge
$92,000

+8% surcharge

Negative Gearing Position
Annual rent income
$37,440

$720/wk

Interest (80% LVR @ 6.5%)
-$59,800
Other expenses (~2.5%)
-$28,750
Net rental position
-$51,110

Negatively geared

Tax benefit (39% MTR)
+$19,933

Reduces taxable income

After-tax holding cost
$31,177/yr

~$600/week

Land Tax Exposure
Est. land value
$690,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $10,740

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

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

5-Year Hold

Est. value
$1.77M
Capital gain
$567,388
After discount
$283,694
CGT payable
$110,641

10-Year Hold

Est. value
$2.72M
Capital gain
$1.52M
After discount
$760,219
CGT payable
$296,485

Investor Quick Summary

Entry cost (stamp duty)

$46,280

After-tax yield

1.95%

Weekly holding cost

$600/wk

10yr CGT (est.)

$296,485

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

2,800

Median Age

48

Median Income

$78K

per annum

Family Households

58.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 75%Units: 15%Townhouses: 10%Total: 1,200

Lifestyle & Community

Walkability65/100
Public Transport3/10
Schools Rating7/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

25

Parks

8

Hospitals

1

Distance to CBD

150.0 km

Nearest Station: Bomaderry Station

Relaxed rural lifestyle with heritage charm, boutique shopping, cultural events, and easy access to beaches and natural attractions.

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Data sourced from multiple sources. Last updated 18 April 2026.

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