All Suburbs

Clontarf

NSW 2093LGA: Northern Beaches Council

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

Median House

$2.85M

+8.5% 1yr

Median Unit

$1.45M

+6.8% 1yr

Rent (House)

$1,550/wk

Rent (Unit)

$750/wk

Days on Market

35

Vacancy Rate

1.2%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 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

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score65/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Clontarf at median house price

Standard transfer
$139,140
First Home Buyer
$139,140
Foreign buyer surcharge
$228,000

+8% surcharge

Annual rent income
$80,600

$1550/wk

Interest (80% LVR @ 6.5%)
-$148,200
Other expenses (~2.5%)
-$71,250
Net rental position
-$138,850

Negatively geared

Tax benefit (39% MTR)
+$54,152

Reduces taxable income

After-tax holding cost
$84,699/yr

~$1,629/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$4.39M
Capital gain
$1.38M
After discount
$690,844
CGT payable
$269,429

10-Year Hold

Est. value
$6.75M
Capital gain
$3.74M
After discount
$1.87M
CGT payable
$730,001

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

Population

2,800

Median Age

44

Median Income

$125K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 78%Units: 18%Townhouses: 4%Total: 1,250

Lifestyle & Community

Walkability55/100
Public Transport4/10
Schools Rating8/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

12

0
Distance to CBD

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.

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