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Dee Why

NSW 2099LGA: Northern Beaches Council

Investment Score

72

/100

AI Intelligence Summary

Dee Why is a vibrant beachside suburb located on Sydney's Northern Beaches, approximately 18km northeast of the CBD. Known for its expansive beach, lagoon, and relaxed coastal lifestyle, Dee Why has evolved from a traditional beach town into a sought-after residential hub. The suburb offers excellent transport links via the B-Line bus service to the city, modern shopping facilities at Dee Why Grand, and a diverse dining scene along The Strand. With a median house price of $2.5 million, Dee Why represents premium Northern Beaches living while maintaining accessibility compared to nearby Manly or Avalon. The area attracts young professionals, families, and sea-changers seeking the quintessential beach lifestyle without sacrificing urban conveniences. Recent urban renewal projects and infrastructure improvements have enhanced the suburb's appeal, positioning it as a key growth area within the Northern Beaches region.

Strengths

  • Prime beachfront location with 1.2km of pristine coastline and Dee Why Lagoon
  • Excellent transport connectivity via B-Line express bus services to Sydney CBD
  • Strong retail and dining precinct along The Strand with ongoing revitalization
  • Diverse housing stock from modern apartments to family homes

Opportunities

  • Ongoing urban renewal and infrastructure development driving capital growth
  • Strong demand for quality rental properties near beach and transport
  • Potential for apartment developments as zoning allows medium-density housing
  • Growing food and beverage scene attracting hospitality investment

Considerations

  • High median house prices limiting affordability for first-time buyers
  • Low rental yield of 2.8% impacting investment returns
  • Traffic congestion during peak periods and summer holidays
  • Limited nightlife and entertainment options compared to inner-city suburbs

Property Market

Median House

$2.50M

+7.8% 1yr

Median Unit

$920K

+6.0% 1yr

Rent (House)

$1,345/wk

Rent (Unit)

$710/wk

Days on Market

25

Vacancy Rate

1.6%

Auction Clearance

73.5%

Price Growth

Type1 Year3 Year5 Year
House+7.8%+33.5%
Unit+6.0%+24.8%

Rental Yields

House Yield

2.8%

Unit Yield

4.0%

Investment Scorecard

Overall Investment Score72/100
Growth Potential78/100
Cashflow Score58/100
Risk Score (lower = safer)68/100
Affordability Index45/100

Tax & Financial Intelligence

CPA-grade analysis for Dee Why at median house price

Standard transfer
$119,890
First Home Buyer
$119,890
Foreign buyer surcharge
$200,000

+8% surcharge

Annual rent income
$69,940

$1345/wk

Interest (80% LVR @ 6.5%)
-$130,000
Other expenses (~2.5%)
-$62,500
Net rental position
-$122,560

Negatively geared

Tax benefit (39% MTR)
+$47,798

Reduces taxable income

After-tax holding cost
$74,762/yr

~$1,438/week

Based on 6.7% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$3.46M
Capital gain
$825,109
After discount
$412,555
CGT payable
$160,896

10-Year Hold

Est. value
$4.78M
Capital gain
$2.15M
After discount
$1.07M
CGT payable
$419,119

Investor Quick Summary

Entry cost (stamp duty)

$119,890

After-tax yield

1.71%

Weekly holding cost

$1438/wk

10yr CGT (est.)

$419,119

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

21,500

Median Age

35

Median Income

$82K

per annum

Lifestyle & Community

Walkability84/100
Public Transport78/10
Schools Rating82/10

Beach activities, surfing, coastal walks, outdoor dining, weekend markets, and water sports dominate the lifestyle offering

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Data sourced from multiple sources. Last updated 11 April 2026.

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