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Caringbah

NSW 2229LGA: Sutherland Shire

Investment Score

78

/100

AI Intelligence Summary

Caringbah is a well-established family-oriented suburb in Sydney's Sutherland Shire, located 24km south of the CBD. With a population of 8,500 and median age of 42, it attracts middle to upper-middle class families drawn by excellent schools, proximity to beaches, and strong community amenities. The suburb features predominantly detached housing on generous blocks, with median house prices of $1,450,000 reflecting its desirable location. Caringbah offers excellent educational facilities including the highly regarded Caringbah High School, convenient train access via Caringbah Station, and is just 3km from beautiful beaches. The area maintains a strong sense of community with local parks, the Caringbah RSL Club as a social hub, and easy access to Westfield Miranda. Property market performance has been robust with 8.5% annual house price growth, supported by limited housing stock and consistent demand from families seeking quality lifestyle amenities. The suburb's combination of transport connectivity, educational excellence, recreational opportunities, and established infrastructure makes it a highly sought-after residential location.

Strengths

  • Excellent educational facilities including highly rated Caringbah High School
  • Strong transport connectivity with Caringbah Station and bus services
  • Close proximity to beaches and recreational facilities
  • Well-established community with quality amenities and parks

Opportunities

  • Infrastructure improvements planned for surrounding road network
  • Potential for property development on larger blocks
  • Growing demand from downsizers within the Shire
  • Continued population growth in Sydney's south

Considerations

  • High property prices limiting affordability for first-home buyers
  • Limited new housing stock constraining supply
  • Traffic congestion during peak hours on main arterials
  • Aging population potentially affecting future community dynamics

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

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

+8% surcharge

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

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). 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

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 26 March 2026.

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