All Suburbs

Ermington

NSW 2115LGA: City of Parramatta

Investment Score

75

/100

AI Intelligence Summary

Ermington is a well-established residential suburb located 19km west of Sydney CBD in the City of Parramatta. This multicultural community offers excellent proximity to Parramatta's employment and transport hubs while maintaining a family-friendly suburban character. The suburb features a mix of older fibro homes and newer brick constructions on larger blocks, making it attractive to families seeking affordable housing options. With strong community amenities including Ermington Public School, local parks along the Parramatta River, and established shopping facilities on Spurway Street, the area provides a balanced lifestyle. The suburb benefits from good bus connectivity to Parramatta and surrounding areas, though lacks direct rail access. The diverse population includes significant Asian and European communities, creating a vibrant multicultural environment. Property values have shown steady growth over recent years, driven by the suburb's strategic location and family appeal. The area's established nature limits new development opportunities but ensures a stable community character.

Strengths

  • Strategic location 3km from Parramatta CBD
  • Multicultural community with strong social cohesion
  • Family-friendly amenities including quality local school
  • Larger residential blocks compared to newer developments

Opportunities

  • Potential transport improvements linked to Western Sydney growth
  • Riverside development and recreational enhancements
  • Community centre expansion and program development
  • Heritage home renovation and modernization market

Considerations

  • No direct rail connection requiring bus transfers
  • Limited new development opportunities
  • Aging housing stock requiring maintenance
  • Traffic congestion on major arterial roads

Property Market

Median House

$1.35M

+8.5% 1yr

Median Unit

$680K

+6.8% 1yr

Median Townhouse

$950K

Rent (House)

$850/wk

Rent (Unit)

$630/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+24.0%+45.0%
Unit+6.8%+18.5%+35.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Townhouse Yield

3.8%

Investment Scorecard

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score68/100
Risk Score (lower = safer)72/100
Affordability Index62/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Ermington at median house price

Standard transfer
$56,640
First Home Buyer
$56,640
Foreign buyer surcharge
$108,000

+8% surcharge

Annual rent income
$44,200

$850/wk

Interest (80% LVR @ 6.5%)
-$70,200
Other expenses (~2.5%)
-$33,750
Net rental position
-$59,750

Negatively geared

Tax benefit (39% MTR)
+$23,303

Reduces taxable income

After-tax holding cost
$36,448/yr

~$701/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.08M
Capital gain
$663,752
After discount
$331,876
CGT payable
$129,432

10-Year Hold

Est. value
$3.20M
Capital gain
$1.78M
After discount
$891,275
CGT payable
$347,597

Investor Quick Summary

Entry cost (stamp duty)

$56,640

After-tax yield

1.95%

Weekly holding cost

$701/wk

10yr CGT (est.)

$347,597

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

6,800

Median Age

38

Median Income

$78K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 2,650

Lifestyle & Community

Walkability65/100
Public Transport6/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

12

Parks

6

Hospitals

2

Distance to CBD

19.0 km

Nearest Station: Parramatta Station

Suburban family lifestyle with river access, local parks, community events, and proximity to Parramatta amenities

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Data sourced from multiple sources. Last updated 26 March 2026.

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