All Suburbs

Bonnet Bay

NSW 2226LGA: Sutherland Shire

Investment Score

76

/100

AI Intelligence Summary

Bonnet Bay is a premium waterfront suburb in the Sutherland Shire, located 29km south of Sydney CBD. This established residential enclave is distinguished by its picturesque setting along the Georges River, offering residents a unique combination of natural beauty and suburban tranquility. The suburb is characterized by larger residential blocks, many featuring water views or direct water access, making it particularly attractive to affluent families seeking a lifestyle-focused location. Property values reflect the suburb's premium positioning, with the market dominated by detached houses rather than high-density development. The community enjoys excellent access to water recreation through Bonnet Bay Marina and proximity to both Georges River and Woronora River. However, transport connectivity presents challenges, with no direct rail access requiring residents to rely on bus services to reach Jannali or Como stations. The suburb features limited commercial amenities, with residents typically traveling to nearby Jannali or Sutherland for shopping and services. Educational needs are served by Bonnet Bay Public School for primary education, with students progressing to quality Sutherland Shire secondary schools. The demographic profile skews toward established families and older residents with above-average household incomes, creating a stable, family-oriented community atmosphere.

Strengths

  • Premium waterfront location with Georges River access
  • Strong capital growth potential driven by lifestyle appeal
  • Family-friendly environment with quality local primary school
  • Low-density residential character with larger block sizes

Opportunities

  • Continued gentrification and property value appreciation
  • Potential infrastructure improvements in Sutherland Shire
  • Growing demand for waterfront lifestyle properties
  • Development of eco-tourism and water recreation facilities

Considerations

  • Limited public transport connectivity
  • Minimal local commercial amenities
  • Higher property prices limiting affordability
  • Dependence on private vehicle transport

Property Market

Median House

$1.85M

+8.5% 1yr

Median Unit

$950K

+6.2% 1yr

Rent (House)

$1,050/wk

Rent (Unit)

$750/wk

Days on Market

45

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.0%+45.0%
Unit+6.2%+22.0%+38.0%

Rental Yields

House Yield

2.8%

Unit Yield

4.1%

Investment Scorecard

Overall Investment Score76/100
Growth Potential78/100
Cashflow Score58/100
Risk Score (lower = safer)68/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Bonnet Bay at median house price

Standard transfer
$84,140
First Home Buyer
$84,140
Foreign buyer surcharge
$148,000

+8% surcharge

Annual rent income
$54,600

$1050/wk

Interest (80% LVR @ 6.5%)
-$96,200
Other expenses (~2.5%)
-$46,250
Net rental position
-$87,850

Negatively geared

Tax benefit (39% MTR)
+$34,262

Reduces taxable income

After-tax holding cost
$53,589/yr

~$1,031/week

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

5-Year Hold

Est. value
$2.85M
Capital gain
$903,064
After discount
$451,532
CGT payable
$176,098

10-Year Hold

Est. value
$4.38M
Capital gain
$2.44M
After discount
$1.22M
CGT payable
$475,065

Investor Quick Summary

Entry cost (stamp duty)

$84,140

After-tax yield

1.71%

Weekly holding cost

$1031/wk

10yr CGT (est.)

$475,065

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

2,850

Median Age

44

Median Income

$118K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 85%Units: 12%Townhouses: 3%Total: 1,150

Lifestyle & Community

Walkability35/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

3

Parks

8

0
Distance to CBD

29.0 km

Nearest Station: Jannali Station

Water recreation, boating, fishing, bushwalking, family activities, and peaceful suburban living

Interested in Bonnet Bay?

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

Data sourced from multiple sources. Last updated 27 March 2026.

Browse all suburbsContact DING