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Berry

NSW 2535LGA: Shoalhaven City

Investment Score

75

/100

AI Intelligence Summary

Berry is a picturesque heritage town in the Shoalhaven region, 150km south of Sydney, renowned for its charming main street lined with boutique shops, cafes, and galleries. The town has experienced significant growth driven by tree-change migration, attracting professionals, retirees, and families seeking a lifestyle change while maintaining proximity to coastal areas. Berry's property market has shown strong performance due to lifestyle migration and limited housing supply, with heritage-listed properties and character homes commanding premium prices. The community is characterized by a strong arts and cultural scene, hosting popular events like the Berry Music Festival and monthly markets. While the town offers excellent lifestyle amenities and natural beauty, it faces challenges including limited public transport, car dependency, and development constraints due to heritage preservation guidelines. The area benefits from improved NBN infrastructure supporting remote work, proximity to beaches at Gerroa and Seven Mile Beach, and access to the Princes Highway for regional connectivity.

Strengths

  • Heritage main street with boutique shopping and dining
  • Strong arts and cultural community with galleries and events
  • Proximity to pristine beaches and natural attractions
  • Growing appeal for tree-change migration

Opportunities

  • Continued growth in remote work supporting population growth
  • Tourism development leveraging heritage and natural assets
  • Premium rural residential development on larger blocks
  • Boutique retail and hospitality expansion

Considerations

  • Limited public transport and high car dependency
  • Heritage preservation constraints limiting development
  • Distance from major employment centers
  • Tight rental market with low vacancy rates

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

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

+8% surcharge

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

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). 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

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 26 March 2026.

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