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Cranebrook

NSW 2749LGA: Penrith City

Investment Score

72

/100

AI Intelligence Summary

Cranebrook (2749) presents as a practical and increasingly appealing Western Sydney suburb with a solid balance of affordability, family livability and investment fundamentals. With a median house price of $720,000 and a median unit price of $485,000, it sits below the broader Sydney market, which makes it attractive to first-home buyers, upgraders and investors seeking more accessible entry points without leaving Greater Sydney. The population of 8,500 gives the suburb a community feel rather than a high-density urban character, while a median income of $78,000 suggests a stable local buyer and renter base. Lifestyle-wise, Cranebrook offers decent everyday convenience rather than inner-city walkability, reflected in its 55/100 walkability score, but it compensates with family-friendly appeal, a safety rating of 7/10 and a respectable schools rating of 7/10, all of which support demand from households prioritising space and practicality. From an investment perspective, the suburb scores well with an investment score of 72/100 and growth potential of 75/100, indicating room for capital appreciation as infrastructure, population growth and broader Western Sydney demand continue to support the area. The 4.2% house rental yield is healthy by Sydney standards and, combined with a low vacancy rate of 2.1%, points to strong rental demand and relatively limited oversupply. At 55km from the Sydney CBD, Cranebrook is not a commuter hotspot for everyone, but it remains viable for tenants and buyers who value affordability and access to the wider Penrith and Western Sydney region. Overall, Cranebrook offers a balanced proposition: a family-oriented suburban market with good tenant fundamentals, moderate lifestyle appeal and credible long-term investment potential, particularly for buyers looking for value and dependable rental performance rather than premium inner-ring growth.

Strengths

  • Affordable entry price relative to greater Sydney
  • Strong rental demand supported by a 2.1% vacancy rate
  • Healthy house yield of 4.2% for investors
  • Good growth potential at 75/100

Opportunities

  • Value-driven capital growth as Western Sydney continues expanding
  • Strong appeal to first-home buyers seeking lower-priced Sydney stock
  • Rental portfolio growth from reliable tenant demand and low vacancy
  • Potential upside from local infrastructure and amenity improvements

Considerations

  • 55km distance to Sydney CBD limits appeal for daily city commuters
  • Walkability score of 55/100 means residents rely more on cars
  • Lifestyle offering is more suburban than high amenity or urban

Property Market

Median House

$720K

+4.2% 1yr

Median Unit

$485K

+3.8% 1yr

Median Townhouse

$620K

Rent (House)

$580/wk

Rent (Unit)

$475/wk

Days on Market

35

Vacancy Rate

2.1%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+32.8%
Unit+3.8%+16.2%+28.5%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.5%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Cranebrook at median house price

Stamp Duty Estimate
Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+8% surcharge

Negative Gearing Position
Annual rent income
$30,160

$580/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$25,280

Negatively geared

Tax benefit (39% MTR)
+$9,859

Reduces taxable income

After-tax holding cost
$15,421/yr

~$297/week

Land Tax Exposure
Est. land value
$432,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $6,612

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$989,244
Capital gain
$238,714
After discount
$119,357
CGT payable
$46,549

10-Year Hold

Est. value
$1.36M
Capital gain
$608,643
After discount
$304,321
CGT payable
$118,685

Investor Quick Summary

Entry cost (stamp duty)

$26,930

After-tax yield

2.56%

Weekly holding cost

$297/wk

10yr CGT (est.)

$118,685

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

8,500

Median Age

34

Median Income

$78K

per annum

Family Households

58.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 68%Units: 22%Townhouses: 10%Total: 3,200

Lifestyle & Community

Walkability55/100
Public Transport5/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

12

Parks

8

Hospitals

1

Distance to CBD

55.0 km

Nearest Station: Penrith Station

Outdoor recreation focused with river access, family-friendly parks, local sporting clubs, and community events. Quiet suburban lifestyle with good access to regional amenities.

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

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