Cheltenham
Investment Score
78
/100
AI Intelligence Summary
Cheltenham NSW 2119 is a prestigious Upper North Shore suburb located 20km north of Sydney CBD, offering an exceptional blend of coastal proximity and metropolitan convenience. With a population of 3,200 predominantly affluent families, the suburb boasts a median household income of $95,000 and strong educational outcomes with 42% university-educated residents. The property market is dominated by detached houses on generous 650sqm blocks, with median house prices of $1.85 million reflecting the area's premium positioning. Strong capital growth of 42.8% over five years demonstrates consistent market performance, while low vacancy rates of 1.8% indicate strong rental demand. The community enjoys excellent schools, low crime rates, and family-friendly amenities, though transport options are limited to bus services connecting to major hubs. Investment fundamentals remain solid with steady demand from families seeking quality lifestyle, proximity to beaches, and access to highly-regarded educational facilities.
Strengths
- •Premium Upper North Shore location with strong capital growth history
- •Excellent school catchments and educational opportunities
- •Close proximity to Northern Beaches coastline (3km)
- •Low crime rates and high safety ratings
Opportunities
- •Continued demand from families seeking premium lifestyle
- •Potential for property renovations and improvements on large blocks
- •Growing appeal of coastal proximity post-COVID
- •Infrastructure improvements planned for broader region
Considerations
- •Limited public transport options with no direct rail access
- •High property prices creating affordability barriers
- •Dependence on private vehicles for commuting
- •Limited retail and dining options within suburb
Property Market
$1.85M
+8.2% 1yr
$980K
+6.8% 1yr
$1.42M
$950/wk
$780/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +24.5% | +42.8% |
| Unit | +6.8% | +22.1% | +38.5% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Cheltenham at median house price
+8% surcharge
$950/wk
Negatively geared
Reduces taxable income
~$1,092/week
Based on 8.6% 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)
$84,140
After-tax yield
1.71%
Weekly holding cost
$1092/wk
10yr CGT (est.)
$441,210
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
42
$95K
per annum
68.0%
48.0%
42.0%
3.2%
32.0%
Dwelling Mix
Lifestyle & Community
12
8
1
20.0 km
Nearest Station: Chatswood Station
Coastal proximity, excellent schools, family parks, quiet residential streets, and strong community connections define the Cheltenham lifestyle.
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Data sourced from multiple sources. Last updated 26 March 2026.