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Cornwallis

NSW 2756LGA: City of Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Cornwallis is a small rural locality in the Hawkesbury region of NSW, located approximately 65km northwest of Sydney CBD. This equestrian-focused community offers a peaceful rural residential lifestyle on large acreage properties, typically ranging from 2-40+ acres. The area attracts families and professionals seeking a tree-change lifestyle while maintaining commuting access to Sydney, Richmond, and Penrith. Properties are predominantly rural residential with facilities like stables, sheds, and extensive grounds. The community has strong social connections through rural activities and horse-related pursuits. Infrastructure is basic with no public transport, requiring private vehicle access via Cornwallis Road. Residents rely on nearby Richmond for commercial services, schools, and amenities. The property market is characterized by low turnover due to high lifestyle buyer retention, with prices reflecting the premium for large land holdings and rural amenities. Limited development potential due to rural zoning maintains the area's character but constrains housing supply.

Strengths

  • Large acreage properties ideal for equestrian activities and rural lifestyle
  • Strong community connections through shared rural interests
  • Low population density providing privacy and space
  • Proximity to Richmond for services while maintaining rural character

Opportunities

  • Growing demand for rural lifestyle properties post-COVID
  • Potential for agritourism and rural business development
  • NBN connectivity enabling remote work opportunities
  • Equestrian facility development and training services

Considerations

  • No public transport requiring private vehicle dependency
  • Limited local commercial services and amenities
  • Long commute times to Sydney CBD (90-120 minutes)
  • Basic rural infrastructure with some properties on tank water

Property Market

Median House

$1.45M

+8.5% 1yr

Rent (House)

$780/wk

Days on Market

65

Vacancy Rate

1.2%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%

Rental Yields

House Yield

2.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Cornwallis at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$40,560

$780/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$71,090

Negatively geared

Tax benefit (39% MTR)
+$27,725

Reduces taxable income

After-tax holding cost
$43,365/yr

~$834/week

Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.25M
Capital gain
$728,037
After discount
$364,019
CGT payable
$141,967

10-Year Hold

Est. value
$3.48M
Capital gain
$1.96M
After discount
$982,005
CGT payable
$382,982

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.71%

Weekly holding cost

$834/wk

10yr CGT (est.)

$382,982

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

180

Median Age

47

Median Income

$95K

per annum

Family Households

78.0%

Professionals

68.0%

University Educated

58.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 98%Units: 0%Townhouses: 2%Total: 68

Lifestyle & Community

Walkability25/100
Public Transport1/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
0
Parks

1

0
Distance to CBD

65.0 km

Nearest Station: Richmond Station

Rural residential living with horse riding, farming activities, and strong community connections

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Data sourced from multiple sources. Last updated 27 March 2026.

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