All Suburbs

Ebenezer

NSW 2756LGA: Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Ebenezer, NSW 2756 is a historic rural locality in the Hawkesbury region, approximately 60km northwest of Sydney CBD. This small community of around 800 residents offers a unique lifestyle proposition combining heritage significance with modern rural living on larger acreage properties. The suburb is renowned for housing Tizzana Winery, one of Australia's oldest wineries, and maintains strong connections to Australia's early European settlement history. Properties are predominantly rural residential, typically ranging from 1-5 acres, attracting families and professionals seeking a tree-change lifestyle while maintaining reasonable access to Sydney. The community is characterized by limited commercial amenities, requiring residents to travel to nearby Windsor or Richmond for shopping and services. Infrastructure is basic but adequate, with NBN coverage and sealed road access, though public transport is non-existent making car ownership essential. The property market is niche, with limited stock and infrequent sales, but strong demand from Sydney buyers seeking lifestyle properties. Environmental and heritage constraints limit development potential, preserving the area's rural character. The Hawkesbury River proximity provides excellent recreational opportunities including boating, fishing, and water sports, enhancing the lifestyle appeal for families and retirees.

Strengths

  • Historic heritage significance with well-preserved character
  • Large acreage properties offering privacy and space
  • Proximity to Hawkesbury River for recreation
  • Strong community connections and rural atmosphere

Opportunities

  • Growing demand for lifestyle properties from Sydney
  • Potential for heritage tourism development
  • Agritourism and winery expansion possibilities
  • Rural residential subdivision potential on larger blocks

Considerations

  • No public transport requiring car dependency
  • Limited local commercial amenities and services
  • Restricted development potential due to heritage constraints
  • Small property market with infrequent sales

Property Market

Median House

$1.25M

+8.5% 1yr

Median Unit

$650K

+6.2% 1yr

Rent (House)

$750/wk

Rent (Unit)

$520/wk

Days on Market

65

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.4%+35.8%
Unit+6.2%+18.5%+28.3%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score62/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Ebenezer at median house price

Standard transfer
$51,140
First Home Buyer
$51,140
Foreign buyer surcharge
$100,000

+8% surcharge

Annual rent income
$39,000

$750/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$57,250

Negatively geared

Tax benefit (39% MTR)
+$22,328

Reduces taxable income

After-tax holding cost
$34,923/yr

~$672/week

Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.77M
Capital gain
$458,947
After discount
$229,473
CGT payable
$89,495

10-Year Hold

Est. value
$2.50M
Capital gain
$1.19M
After discount
$594,283
CGT payable
$231,771

Investor Quick Summary

Entry cost (stamp duty)

$51,140

After-tax yield

1.95%

Weekly holding cost

$672/wk

10yr CGT (est.)

$231,771

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

820

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

42.0%

University Educated

35.0%

Unemployment

4.2%

Born Overseas

22.0%

Dwelling Mix

Houses: 92%Units: 5%Townhouses: 3%Total: 315

Lifestyle & Community

Walkability25/100
Public Transport1/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

2

Parks

4

0
Distance to CBD

60.0 km

Nearest Station: Richmond Station

Rural acreage living with river recreation, wine country atmosphere, heritage tourism, and strong community events

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

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