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Cornwallis

NSW 2756LGA: City of Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Cornwallis (2756), NSW, presents a compelling profile for those seeking a tranquil, semi-rural lifestyle with significant investment upside, albeit with some practical considerations. Its exceptionally high safety rating and strong median income, coupled with a median house price of $1,450,000, indicate a community that values security and quality of life. The low population density of 180 residents fosters a strong sense of community and provides a peaceful escape from urban hustle. From a market perspective, Cornwallis stands out with an impressive Investment Score of 72.0/100 and a Growth Potential of 75.0/100. This suggests a robust forecast for property value appreciation, making it an attractive proposition for long-term investors. The incredibly low vacancy rate of 1.2% further underscores the strong demand for housing in the area, providing stability for landlords despite a modest rental yield of 2.8%. However, the suburb's remoteness is a key factor. A considerable distance of 65.0km to the CBD and a low walkability score of 25.0/100 mean residents are highly car-dependent for amenities and commuting. While schools are rated adequately at 6.0/10, the limited local infrastructure is a trade-off for the rural charm. Cornwallis is ideally suited for buyers and investors prioritising space, safety, and long-term capital growth over immediate accessibility and urban conveniences. It’s a niche market appealing to those who appreciate a slower pace of life and are looking to secure a substantial asset in a community poised for future appreciation.

Strengths

  • Exceptional Safety Rating (9.0/10)
  • Strong Investment and Growth Potential Scores
  • High Median Household Income
  • Extremely Low Vacancy Rate (1.2%)

Opportunities

  • Strong Capital Growth Potential for Long-Term Investors
  • Appeal to Buyers Seeking Rural Lifestyle and Space
  • Potential for Infrastructure Development to Improve Liveability
  • Demand for Rental Properties Due to Low Vacancy

Considerations

  • Significant Distance to CBD (65.0km)
  • Very Low Walkability Score (Car-Dependent)
  • Limited Local Amenities and Services
  • Absence of Unit Market Data

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). 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

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 16 April 2026.

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