Collaroy
Investment Score
78
/100
AI Intelligence Summary
Collaroy is a premium beachside suburb located 22km northeast of Sydney CBD on the Northern Beaches. This highly sought-after location offers direct beach access to the popular Collaroy Beach, making it a magnet for families and professionals seeking a coastal lifestyle. The suburb features a diverse housing mix including apartments, townhouses, and detached homes, with properties commanding premium prices due to ocean proximity and lifestyle appeal. Collaroy benefits from excellent amenities including the B-Line express bus service to the CBD, quality schools like Collaroy Plateau Public School, and vibrant commercial strips along Pittwater Road. The community is characterized by active surf life saving clubs, numerous cafes and dining options including the iconic Collaroy Beach Hotel, and proximity to major shopping at Warringah Mall. With higher than average household incomes and strong property values, Collaroy represents one of the Northern Beaches' most desirable residential locations, though it faces challenges from limited land supply and an aging population demographic.
Strengths
- •Direct beachfront access to popular Collaroy Beach for swimming and surfing
- •Premium location with strong property values and limited supply constraints
- •Excellent transport connectivity via B-Line express bus service to Sydney CBD
- •High-quality lifestyle amenities including surf clubs, cafes, and dining options
Opportunities
- •Growing apartment market appeal driven by lifestyle and location factors
- •Infrastructure upgrades including cycling paths and pedestrian improvements
- •Potential for commercial strip revitalization along Pittwater Road
- •Increased demand for premium beachside properties post-pandemic
Considerations
- •Limited land supply constraining new development and housing diversity
- •Aging population trend with significant proportion of residents over 50
- •Premium property prices creating affordability barriers for first-time buyers
- •No direct rail connection requiring bus transfers to access train network
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). 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
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 26 March 2026.