Collaroy
Investment Score
78
/100
AI Intelligence Summary
Collaroy, a picturesque suburb in New South Wales, offers a unique blend of lifestyle, market position, and investment outlook. With a median house price of $2,450,000 and a median unit price of $1,050,000, Collaroy is an affluent area that attracts high-income earners, with a median income of $95,000. The suburb's population of 4,200 residents enjoys a relatively high walkability score of 75.0, indicating easy access to local amenities and services. The schools rating of 8.0 and safety rating of 8.0 further enhance the appeal of Collaroy as a desirable place to live. From an investment perspective, Collaroy's distance to the CBD of 22.0 km may be a consideration, but the suburb's investment score of 78.0 and growth potential of 82.0 suggest a strong outlook for property values. The rental yield for houses is 2.8%, and the vacancy rate is a low 1.8%, indicating a competitive rental market. Overall, Collaroy presents an attractive opportunity for investors and homeowners seeking a high-quality lifestyle in a desirable location.
Strengths
- •High median income of $95,000, indicating a strong and affluent community
- •Excellent schools rating of 8.0, making it an attractive option for families
- •High safety rating of 8.0, providing residents with a secure environment
- •Strong investment score of 78.0, suggesting a stable and growing property market
Opportunities
- •Growing demand for high-quality rentals, driven by the suburb's desirable lifestyle and limited vacancy rate of 1.8%
- •Potential for renovation and redevelopment opportunities, given the suburb's established housing stock
- •Increasing appeal to families and professionals, driven by the suburb's excellent schools and safety ratings
Considerations
- •Relatively high median house price of $2,450,000, making it less accessible to first-home buyers
- •Distance to CBD of 22.0 km, which may be a consideration for commuters
- •Potential for limited affordability for some residents, given the high median income and property prices
Property Market
$2.45M
+8.2% 1yr
$1.05M
+9.8% 1yr
$1.65M
$1,320/wk
$850/wk
28
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +22.5% | +45.8% |
| Unit | +9.8% | +28.2% | +52.3% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Townhouse Yield
3.4%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Collaroy at median house price
+8% surcharge
$1320/wk
Negatively geared
Reduces taxable income
~$1,408/week
Based on 9.2% 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)
$117,140
After-tax yield
1.71%
Weekly holding cost
$1408/wk
10yr CGT (est.)
$644,739
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
4,200
44
$95K
per annum
58.0%
48.0%
52.0%
3.2%
35.0%
Dwelling Mix
Lifestyle & Community
35
8
1
22.0 km
Nearest Station: Wynyard Station (via B-Line)
Premium beachside lifestyle with direct beach access, active surf culture, quality dining and entertainment options, and strong community recreational facilities
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Data sourced from multiple sources. Last updated 17 April 2026.