Cammeray
Investment Score
78
/100
AI Intelligence Summary
Cammeray is a prestigious harbourside suburb on Sydney's Lower North Shore, located just 5km north of the CBD. This affluent residential enclave is characterized by a mix of heritage Federation homes, modern apartments, and townhouses, attracting young professionals and established families. The suburb boasts excellent amenities including the well-regarded Cammeray Public School, proximity to elite North Shore secondary schools, and the notable Cammeray Golf Club. With strong cafe culture along Miller Street, easy access to harbour foreshores, and multiple parks including Cammeray Park and Anderson Park, it offers an enviable lifestyle. The property market commands premium prices due to limited land supply and consistent demand from professionals seeking proximity to the CBD. Excellent transport links via bus services to the CBD and Chatswood, plus walking distance to North Sydney station, make it highly desirable. The community is predominantly Australian-born with significant English and Chinese heritage, featuring high median incomes and tertiary education levels. Strong rental demand and low vacancy rates reflect the suburb's desirability and investment appeal.
Strengths
- •Premium Lower North Shore location with harbour proximity
- •Excellent transport connectivity to CBD and major centers
- •High-quality local amenities including golf club and parks
- •Strong educational offerings and proximity to elite schools
Opportunities
- •Continued gentrification and property value growth
- •Infrastructure improvements along Miller Street corridor
- •Potential for boutique development projects
- •Growing cafe and retail precinct expansion
Considerations
- •High property prices limiting affordability
- •Limited housing stock restricting supply
- •Parking constraints in apartment-dense areas
- •Traffic congestion during peak periods
Property Market
$2.10M
+8.2% 1yr
$1.20M
+6.8% 1yr
$1.65M
$1,350/wk
$950/wk
28
1.2%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +18.5% | +32.8% |
| Unit | +6.8% | +15.2% | +28.4% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Cammeray at median house price
+8% surcharge
$1350/wk
Negatively geared
Reduces taxable income
~$1,073/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)
$97,890
After-tax yield
1.95%
Weekly holding cost
$1073/wk
10yr CGT (est.)
$342,393
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
38
$95K
per annum
58.0%
52.0%
48.0%
3.2%
38.0%
Dwelling Mix
Lifestyle & Community
25
8
1
5.0 km
Nearest Station: North Sydney Station
Premium harbourside living with excellent dining, recreation, and cultural amenities, plus easy CBD access for professionals
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Data sourced from multiple sources. Last updated 26 March 2026.