Ettalong Beach
Investment Score
75
/100
AI Intelligence Summary
Ettalong Beach is a picturesque coastal suburb on the NSW Central Coast, approximately 90km north of Sydney CBD. This beachside community has become increasingly popular as a sea change destination, particularly attracting retirees and families seeking a relaxed coastal lifestyle. The suburb features both patrolled surf beaches and calm bay waters, making it ideal for various water activities. Property values have experienced strong growth in recent years, driven by Sydney buyers seeking more affordable coastal living. The area offers a growing cafe and restaurant scene, regular markets, and proximity to Brisbane Water National Park. While public transport options are limited, ferry services provide scenic connections to Palm Beach and Pittwater. The community maintains a village atmosphere with active local groups and regular events, while recent foreshore improvements have enhanced the area's appeal. Investment potential remains strong due to holiday rental demand and continued population growth, though infrastructure limitations and seasonal tourism fluctuations present some challenges.
Strengths
- •Dual beach access with both surf and bay water options
- •Strong property price growth and investment potential
- •Proximity to Sydney while maintaining coastal village charm
- •Active community with regular markets and events
Opportunities
- •Continued tourism infrastructure development and enhancement
- •Holiday rental market expansion with strong yields
- •Waterfront dining and entertainment precinct development
- •Improved transport connections to Woy Woy train station
Considerations
- •Limited public transport connectivity requiring car dependency
- •Seasonal tourism creating fluctuating local economy
- •Aging population potentially limiting future workforce growth
- •Infrastructure constraints limiting development potential
Property Market
$920K
+8.5% 1yr
$620K
+6.2% 1yr
$750K
$750/wk
$520/wk
35
2.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +28.2% | +45.8% |
| Unit | +6.2% | +22.5% | +38.4% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Ettalong Beach at median house price
Save $14,372
+8% surcharge
$750/wk
Negatively geared
Reduces taxable income
~$374/week
Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$35,930
After-tax yield
2.56%
Weekly holding cost
$374/wk
10yr CGT (est.)
$243,677
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
3,200
52
$62K
per annum
42.0%
28.0%
24.0%
6.2%
18.0%
Dwelling Mix
Lifestyle & Community
18
6
90.0 km
Nearest Station: Woy Woy Station
Relaxed coastal living with beaches, markets, dining, and water activities. Close to national parks with ferry connections to other coastal areas.
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Data sourced from multiple sources. Last updated 26 March 2026.