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Bundeena

NSW 2230LGA: Sutherland Shire

Investment Score

75

/100

AI Intelligence Summary

Bundeena is a unique coastal village nestled within the Royal National Park in the Sutherland Shire, offering an unparalleled lifestyle combining pristine beaches, bushland, and strong community spirit. With a population of approximately 2,400, this small enclave attracts retirees, sea-changers, and families seeking an escape from urban life while maintaining reasonable access to Sydney via ferry. The suburb's property market is characterized by limited housing stock due to national park boundaries, creating scarcity value and supporting strong price growth. Most homes date from the 1960s-1980s and feature coveted bush or water views. The community enjoys access to beautiful beaches including Horderns Beach and Jibbon Beach, extensive bushwalking trails, and a tight-knit village atmosphere centered around the community center. Infrastructure is deliberately limited to preserve the natural environment, with primary access via the scenic Bundeena Ferry from Cronulla. While this creates some challenges around transport and commercial amenities, it also ensures the area's unique character remains protected. The demographic skews older with high environmental consciousness, though young families are increasingly attracted to the lifestyle offerings and excellent primary school.

Strengths

  • Pristine natural environment within Royal National Park boundaries
  • Exclusive coastal lifestyle with multiple beaches and bushwalking trails
  • Strong community spirit and village atmosphere
  • Limited development potential creating scarcity value for properties

Opportunities

  • Growing demand from downsizers and sea-changers
  • Potential for eco-tourism and sustainable development
  • Infrastructure improvements including enhanced digital connectivity
  • Premium positioning in coastal property market

Considerations

  • Limited transport options and infrastructure constraints
  • Restricted commercial facilities and services
  • Seasonal population fluctuations affecting community consistency
  • Higher maintenance costs due to coastal and bushland environment

Property Market

Median House

$1.35M

+8.5% 1yr

Median Unit

$850K

+6.8% 1yr

Rent (House)

$750/wk

Rent (Unit)

$580/wk

Days on Market

65

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%
Unit+6.8%+22.5%+38.2%

Rental Yields

House Yield

2.8%

Unit Yield

3.5%

Investment Scorecard

Overall Investment Score75/100
Growth Potential82/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Bundeena at median house price

Standard transfer
$56,640
First Home Buyer
$56,640
Foreign buyer surcharge
$108,000

+8% surcharge

Annual rent income
$39,000

$750/wk

Interest (80% LVR @ 6.5%)
-$70,200
Other expenses (~2.5%)
-$33,750
Net rental position
-$64,950

Negatively geared

Tax benefit (39% MTR)
+$25,331

Reduces taxable income

After-tax holding cost
$39,620/yr

~$762/week

Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.09M
Capital gain
$679,042
After discount
$339,521
CGT payable
$132,413

10-Year Hold

Est. value
$3.24M
Capital gain
$1.83M
After discount
$914,887
CGT payable
$356,806

Investor Quick Summary

Entry cost (stamp duty)

$56,640

After-tax yield

1.71%

Weekly holding cost

$762/wk

10yr CGT (est.)

$356,806

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

2,400

Median Age

50

Median Income

$95K

per annum

Family Households

58.0%

Professionals

48.0%

University Educated

42.0%

Unemployment

4.2%

Born Overseas

32.0%

Dwelling Mix

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

Lifestyle & Community

Walkability65/100
Public Transport4/10
Schools Rating7/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

12

0
Distance to CBD

38.0 km

Nearest Station: Cronulla Station

Relaxed coastal living with beaches, bushwalking, community events, and outdoor recreation opportunities

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

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