Clontarf
Investment Score
78
/100
AI Intelligence Summary
Clontarf is an affluent waterfront suburb on Sydney's Northern Beaches, offering a unique blend of coastal lifestyle and family-friendly amenities. With a population of approximately 2,800 residents, this low-density suburb is characterized by its protected beach, established family homes, and strong community spirit. The area attracts professionals and families seeking a relaxed coastal lifestyle while maintaining reasonable access to Sydney CBD. Property values reflect its desirable waterfront location, though it remains one of the more affordable Northern Beaches options. The suburb features excellent recreational facilities including sailing clubs, parks, and water sports opportunities, supported by quality local schooling at Clontarf Public School. While transport options are limited and residents rely heavily on private vehicles, the trade-off is a peaceful, low-traffic environment with strong neighborhood connections. The aging demographic and established housing stock present both stability and renewal opportunities, making it attractive for both owner-occupiers and investors seeking steady capital growth in a premium coastal location.
Strengths
- •Prime waterfront location with protected swimming beach
- •Strong family-oriented community with excellent local school
- •Relatively affordable entry point to Northern Beaches market
- •Low-density housing with established character homes
Opportunities
- •Renovation and modernization of older housing stock
- •Potential for luxury waterfront development
- •Growing cycling infrastructure connecting to broader network
- •Increasing demand for coastal lifestyle properties post-COVID
Considerations
- •Limited public transport options requiring car dependency
- •Aging population and infrastructure requiring renewal
- •Limited local shopping and commercial amenities
- •Peak hour traffic congestion on main access roads
Property Market
$2.85M
+8.5% 1yr
$1.45M
+6.8% 1yr
$1,550/wk
$750/wk
35
1.2%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +45.0% |
| Unit | +6.8% | +18.5% | +38.0% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Clontarf at median house price
+8% surcharge
$1550/wk
Negatively geared
Reduces taxable income
~$1,629/week
Based on 9.0% 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)
$139,140
After-tax yield
1.71%
Weekly holding cost
$1629/wk
10yr CGT (est.)
$730,001
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
2,800
44
$125K
per annum
68.0%
52.0%
48.0%
3.2%
35.0%
Dwelling Mix
Lifestyle & Community
8
12
18.0 km
Nearest Station: Manly
Relaxed coastal lifestyle with emphasis on water sports, outdoor recreation, family activities, and community events, complemented by easy beach access and parklands.
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Data sourced from multiple sources. Last updated 26 March 2026.