All Suburbs

Earlwood

NSW 2206LGA: Canterbury-Bankstown

Investment Score

75

/100

AI Intelligence Summary

Earlwood presents as a well-established inner-west suburb located just 12km from Sydney's CBD, offering a compelling blend of family-friendly amenities and solid investment fundamentals. With a median house price of $1,450,000 and units at $750,000, the suburb positions itself in the mid-to-upper market segment, attracting predominantly families and professionals seeking a balanced lifestyle. The area's strong walkability score of 72/100 reflects its excellent local infrastructure, with Earlwood's commercial precinct along Homer Street providing convenient access to cafes, restaurants, and essential services. The population of 8,200 enjoys a safe, community-oriented environment, evidenced by an impressive safety rating of 8.0/10. Educational facilities score a respectable 7.0/10, making it attractive to families prioritizing schooling options. From an investment perspective, Earlwood demonstrates robust fundamentals with an investment score of 75/100 and growth potential of 72/100. The exceptionally low vacancy rate of 1.8% indicates strong rental demand, though the rental yield of 3.2% for houses suggests this is more of a capital growth play than a cash flow investment. The median household income of $82,000 reflects a stable, middle-income demographic. Earlwood's proximity to the CBD, combined with access to parks along the Cooks River and multicultural dining options, creates an appealing lifestyle proposition. The suburb's Greek and Italian heritage adds cultural richness, while recent gentrification has introduced modern cafes and boutiques. For investors and owner-occupiers alike, Earlwood offers a relatively affordable entry point into Sydney's tightly-held inner-west market, with solid infrastructure and community amenities supporting long-term value retention and moderate growth prospects.

Strengths

  • Exceptional safety rating of 8.0/10 providing peace of mind for families and residents
  • Strong investment fundamentals with 75/100 investment score and 72/100 growth potential
  • Very low vacancy rate of 1.8% indicating consistent rental demand and market stability
  • High walkability score of 72/100 with excellent local amenities and Homer Street shopping precinct

Opportunities

  • Unit market at $750,000 offers accessible entry point for investors and downsizers
  • Ongoing inner-west gentrification trend likely to drive amenity improvements and capital growth
  • Proximity to Cooks River cycleway and parklands appeals to health-conscious buyers seeking lifestyle amenities
  • Low vacancy rate and strong rental demand support potential for dual-income investment strategies

Considerations

  • Rental yield of 3.2% for houses is below Sydney average, limiting cash flow for investors
  • Median house price of $1,450,000 may stretch affordability for first-home buyers
  • Limited public transport options compared to neighbouring suburbs with train stations
  • Median income of $82,000 suggests moderate purchasing power that may constrain price growth

Property Market

Median House

$1.45M

+8.5% 1yr

Median Unit

$750K

+6.2% 1yr

Median Townhouse

$1.10M

Rent (House)

$900/wk

Rent (Unit)

$600/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+35.0%
Unit+6.2%+18.5%+28.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score75/100
Growth Potential72/100
Cashflow Score68/100
Risk Score (lower = safer)72/100
Affordability Index52/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Earlwood at median house price

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

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

Based on 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.03M
Capital gain
$514,310
After discount
$257,155
CGT payable
$100,290

10-Year Hold

Est. value
$2.85M
Capital gain
$1.33M
After discount
$666,490
CGT payable
$259,931

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$259,931

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

8,200

Median Age

38

Median Income

$82K

per annum

Family Households

68.0%

Professionals

42.0%

University Educated

35.0%

Unemployment

4.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 3,200

Lifestyle & Community

Walkability72/100
Public Transport6/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

25

Parks

8

Hospitals

1

Distance to CBD

12.0 km

Nearest Station: Tempe Station

Family-friendly suburban lifestyle with excellent parks, recreational facilities, local shopping, and easy access to both city amenities and natural spaces along the Cooks River.

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Data sourced from multiple sources. Last updated 15 April 2026.

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