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Caringbah

NSW 2229LGA: Sutherland Shire

Investment Score

78

/100

AI Intelligence Summary

Caringbah (2229) is a well-established and highly practical suburb in the Sutherland Shire that appeals to both owner-occupiers and investors seeking a balanced lifestyle asset in Sydney’s south. With a median house price of $1,450,000 and median unit price of $750,000, the market sits in a solid middle-to-upper bracket for the local area, reflecting strong demand from families, professionals, downsizers, and first-home buyers looking for a convenient suburban base with good amenities. Its position around 24km from the Sydney CBD gives it strong commuter appeal, while a walkability score of 72/100 supports everyday convenience through access to shops, transport, and services. The suburb’s schools rating of 9/10 is a major drawcard, reinforcing its reputation as a family-friendly location with long-term residential stability. Safety is also a notable strength at 8/10, which supports buyer confidence and contributes to steady underlying demand. From an investment perspective, Caringbah presents as a resilient market rather than a speculative one, with an investment score of 78/100 and growth potential of 75/100 suggesting balanced prospects for capital growth and rental performance. The median income of $95,000 indicates a relatively solid local earning base, which helps sustain housing demand across both ownership and rental segments. Rental yield for houses at 3.2% is moderate, typical of a suburb where capital preservation and long-term growth are important considerations, while the low vacancy rate of 1.8% points to a tight rental market and reliable tenant demand. Overall, Caringbah offers a compelling mix of liveability, accessibility, and market depth, making it attractive for buyers who value stability and strong fundamentals. It is best suited to investors and homebuyers who are comfortable with a premium suburban price point in exchange for quality schools, good transport access, and enduring demand in a supply-constrained market.

Strengths

  • Strong family appeal supported by a 9/10 schools rating
  • Good safety profile with an 8/10 safety rating
  • Close to Sydney CBD at 24km, supporting commuter demand
  • Healthy walkability score of 72/100 with convenient local amenities

Opportunities

  • Strong growth potential of 75/100 suggests room for capital appreciation
  • Low vacancy rates may support continued rental demand and lease stability
  • Units at a median of $750,000 may offer a more accessible entry point for buyers

Considerations

  • High entry prices, especially for houses at a median of $1,450,000
  • House rental yield of 3.2% may be modest for yield-focused investors
  • Competition from established local buyers can limit buying opportunities

Property Market

Median House

$1.45M

+8.5% 1yr

Median Unit

$750K

+6.8% 1yr

Median Townhouse

$1.10M

Rent (House)

$900/wk

Rent (Unit)

$690/wk

Days on Market

35

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+38.0%
Unit+6.8%+18.5%+32.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Townhouse Yield

3.6%

Investment Scorecard

Overall Investment Score78/100
Growth Potential75/100
Cashflow Score68/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Caringbah at median house price

Stamp Duty Estimate
Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Negative Gearing Position
Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

Land Tax Exposure
Est. land value
$870,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $13,620

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

Based on 7.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.09M
Capital gain
$571,973
After discount
$285,986
CGT payable
$111,535

10-Year Hold

Est. value
$3.02M
Capital gain
$1.50M
After discount
$748,511
CGT payable
$291,919

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$291,919

Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).

Demographics

Population

8,500

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

45.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 3,200

Lifestyle & Community

Walkability72/100
Public Transport8/10
Schools Rating9/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

35

Parks

12

Hospitals

2

Distance to CBD

24.0 km

Nearest Station: Caringbah Station

Family-focused lifestyle with excellent schools, recreational facilities, beach access, and strong community connections through local clubs and amenities

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Data sourced from multiple sources. Last updated 27 April 2026.

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