Cambridge Gardens
Investment Score
74
/100
AI Intelligence Summary
Cambridge Gardens is a family-oriented suburb in Western Sydney's Penrith local government area, offering affordable housing options and a quiet residential lifestyle. Located approximately 50km from Sydney CBD, the suburb attracts first home buyers and young families seeking value for money in the growing Western Sydney corridor. The area features predominantly detached housing with some townhouses and units, supported by local amenities including Cambridge Gardens Public School and several parks. With strong connectivity to Penrith CBD and access to the M4 motorway, residents benefit from both suburban tranquility and urban accessibility. The property market has shown steady growth aligned with broader Western Sydney trends, with competitive rental demand reflecting the area's appeal to families and professionals. The suburb's multicultural community, established infrastructure, and ongoing regional development initiatives position it well for continued growth. While public transport options are limited to bus services, the proximity to major employment centers and shopping precincts in Penrith enhances its residential appeal.
Strengths
- •Affordable housing market with steady capital growth
- •Family-friendly environment with quality local schools
- •Close proximity to Penrith CBD and major shopping centers
- •Access to M4 motorway for Sydney connectivity
Opportunities
- •Western Sydney infrastructure development and investment
- •Potential for increased property values as region develops
- •Growing employment opportunities in Western Sydney
- •Expansion of local amenities and services
Considerations
- •Limited public transport options beyond bus services
- •Distance from Sydney CBD limits employment accessibility
- •Fewer entertainment and dining options compared to inner suburbs
- •Reliance on private vehicle transport
Property Market
$685K
+6.2% 1yr
$485K
+4.8% 1yr
$580K
$550/wk
$475/wk
32
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +6.2% | +18.5% | +32.8% |
| Unit | +4.8% | +15.2% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Cambridge Gardens at median house price
Save $25,355
+8% surcharge
$550/wk
Negatively geared
Reduces taxable income
~$283/week
Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$25,355
After-tax yield
2.56%
Weekly holding cost
$283/wk
10yr CGT (est.)
$112,968
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
3,200
34
$68K
per annum
58.0%
32.0%
28.0%
5.8%
42.0%
Dwelling Mix
Lifestyle & Community
8
4
1
52.0 km
Nearest Station: Penrith Station
Relaxed suburban lifestyle with access to local parks, family-friendly amenities, and convenient access to Penrith CBD for shopping, dining, and services. The area suits families seeking space and affordability while maintaining connectivity to employment centers.
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Data sourced from multiple sources. Last updated 27 March 2026.