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Bonnyrigg

NSW 2177LGA: Fairfield City

Investment Score

76

/100

AI Intelligence Summary

Bonnyrigg is a culturally diverse, family-oriented suburb in southwestern Sydney's Fairfield Local Government Area, offering excellent affordability and connectivity. Located 35km from Sydney CBD with direct rail access via Bonnyrigg Station, the suburb attracts first home buyers, young families, and investors seeking value. The community is characterized by significant multicultural populations, established family networks, and a strong sense of community identity. Housing consists primarily of detached homes on generous blocks, with some townhouses and units providing variety. Bonnyrigg Plaza serves as the local retail hub, while numerous parks, schools, and community facilities support family life. The suburb benefits from ongoing Western Sydney infrastructure investment and urban renewal programs. Property values remain well below Sydney averages, delivering strong rental yields and growth potential. Recent transport improvements and proximity to major employment hubs enhance long-term prospects. Challenges include distance from premium amenities and reliance on car transport, though excellent train connectivity mitigates isolation concerns.

Strengths

  • Direct rail connection to Sydney CBD via T2 line
  • Highly affordable housing market with strong rental yields
  • Culturally diverse and established community networks
  • Family-friendly environment with quality schools and parks

Opportunities

  • Western Sydney Airport development boosting regional growth
  • Continued urban renewal and infrastructure upgrades
  • First home buyer market expansion due to affordability
  • Rental market growth from population increase

Considerations

  • Distance from Sydney CBD and premium amenities
  • Limited high-end retail and dining options locally
  • Car dependency for many daily activities
  • Perception challenges compared to eastern suburbs

Property Market

Median House

$750K

+7.2% 1yr

Median Unit

$520K

+6.8% 1yr

Median Townhouse

$680K

Rent (House)

$680/wk

Rent (Unit)

$520/wk

Days on Market

38

Vacancy Rate

2.1%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+7.2%+18.5%+32.8%
Unit+6.8%+16.2%+28.4%

Rental Yields

House Yield

4.8%

Unit Yield

5.2%

Townhouse Yield

4.9%

Investment Scorecard

Overall Investment Score76/100
Growth Potential78/100
Cashflow Score82/100
Risk Score (lower = safer)68/100
Affordability Index85/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Bonnyrigg at median house price

Standard transfer
$28,280
First Home Buyer
Exempt

Save $28,280

Foreign buyer surcharge
$60,000

+8% surcharge

Annual rent income
$35,360

$680/wk

Interest (80% LVR @ 6.5%)
-$39,000
Other expenses (~2.5%)
-$18,750
Net rental position
-$22,390

Negatively geared

Tax benefit (39% MTR)
+$8,732

Reduces taxable income

After-tax holding cost
$13,658/yr

~$263/week

Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.03M
Capital gain
$248,433
After discount
$124,216
CGT payable
$48,444

10-Year Hold

Est. value
$1.42M
Capital gain
$633,775
After discount
$316,887
CGT payable
$123,586

Investor Quick Summary

Entry cost (stamp duty)

$28,280

After-tax yield

2.93%

Weekly holding cost

$263/wk

10yr CGT (est.)

$123,586

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

12,800

Median Age

34

Median Income

$68K

per annum

Family Households

58.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 68%Units: 24%Townhouses: 8%Total: 4,850

Lifestyle & Community

Walkability65/100
Public Transport8/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

28

Parks

12

Hospitals

1

Distance to CBD

35.0 km

Nearest Station: Bonnyrigg Station

Family-oriented lifestyle with local parks, community centers, shopping at Bonnyrigg Plaza, and easy access to recreational facilities and cultural activities reflecting the area's diversity.

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

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