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Camden

NSW 2570LGA: Camden Council

Investment Score

78

/100

AI Intelligence Summary

Camden, NSW 2570 is one of Australia's fastest-growing local government areas, experiencing unprecedented development and population growth. Located approximately 65km southwest of Sydney CBD, Camden has transformed from a historic rural town into a thriving suburban hub with major new housing estates like Oran Park, Gregory Hills, and Harrington Park. The area attracts predominantly young families seeking affordable house and land packages, modern amenities, and quality schools. The demographic profile shows a strong representation of Australian-born residents alongside growing multicultural communities. Property market dynamics are driven by new developments rather than established housing stock, with strong demand from first home buyers. Infrastructure development is keeping pace with growth, including major road upgrades to Camden Valley Way and Narellan Road, though public transport remains limited to bus connections. The community benefits from new schools, sporting facilities including Camden Lakeside Golf Club, and proximity to major shopping centers like Narellan Town Centre. With continued investment in infrastructure and amenities, Camden represents a significant growth corridor for Sydney's expanding southwest region.

Strengths

  • Fastest-growing LGA in Australia with strong population growth
  • Abundant new housing developments and house/land packages
  • Strong appeal to young families and first home buyers
  • New schools and educational facilities being built

Opportunities

  • Future Sydney Metro Southwest extension consideration
  • Continued infrastructure development and investment
  • Growing retail and commercial development
  • Potential for town center revitalization

Considerations

  • Limited public transport connectivity to Sydney CBD
  • Strain on infrastructure from rapid population growth
  • Limited established housing stock and character
  • Distance from Sydney's major employment hubs

Property Market

Median House

$850K

+8.5% 1yr

Median Unit

$580K

+6.2% 1yr

Median Townhouse

$720K

Rent (House)

$620/wk

Rent (Unit)

$500/wk

Days on Market

28

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%
Unit+6.2%+22.5%+38.4%

Rental Yields

House Yield

3.8%

Unit Yield

4.5%

Townhouse Yield

4.1%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Camden at median house price

Standard transfer
$32,780
First Home Buyer
$8,195

Save $24,585

Foreign buyer surcharge
$68,000

+8% surcharge

Annual rent income
$32,240

$620/wk

Interest (80% LVR @ 6.5%)
-$44,200
Other expenses (~2.5%)
-$21,250
Net rental position
-$33,210

Negatively geared

Tax benefit (39% MTR)
+$12,952

Reduces taxable income

After-tax holding cost
$20,258/yr

~$390/week

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

5-Year Hold

Est. value
$1.32M
Capital gain
$430,427
After discount
$215,214
CGT payable
$83,933

10-Year Hold

Est. value
$2.04M
Capital gain
$1.15M
After discount
$577,481
CGT payable
$225,218

Investor Quick Summary

Entry cost (stamp duty)

$32,780

After-tax yield

2.32%

Weekly holding cost

$390/wk

10yr CGT (est.)

$225,218

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

85,000

Median Age

33

Median Income

$95K

per annum

Family Households

68.0%

Professionals

38.0%

University Educated

28.0%

Unemployment

4.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 78%Units: 8%Townhouses: 14%Total: 28,500

Lifestyle & Community

Walkability45/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

35

Parks

18

Hospitals

1

Distance to CBD

65.0 km

Nearest Station: Campbelltown Station

Family-oriented lifestyle with new parks, schools, and recreational facilities. Access to golf courses, shopping centers, and growing dining options. Strong community spirit developing in new estates.

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

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