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Fiddletown

NSW 2159LGA: The Hills Shire

Investment Score

72

/100

AI Intelligence Summary

Fiddletown, NSW 2159 is a small rural locality in the Hawkesbury Local Government Area, located approximately 60km northwest of Sydney CBD. This peaceful rural residential community is characterized by large acreage properties suitable for hobby farming and equestrian pursuits. The suburb attracts residents seeking privacy, space, and a semi-rural lifestyle while maintaining reasonable access to Sydney. With no direct public transport services, residents rely on private vehicles and travel to nearby Richmond and Windsor for major amenities and services. The property market features limited transaction volumes due to the small size of the locality, with properties typically commanding premium prices for the space and lifestyle they offer. The community enjoys low crime rates, minimal traffic, and a strong sense of rural tranquility. While infrastructure is basic with access primarily via local rural roads, the suburb's proximity to the Hawkesbury River region provides recreational opportunities and scenic rural landscapes. Investment potential is moderate, appealing primarily to lifestyle buyers and those seeking rural residential properties within commuting distance of Sydney.

Strengths

  • Large rural residential blocks with privacy and space
  • Low crime rates and peaceful rural lifestyle
  • Proximity to Hawkesbury River recreational areas
  • Strong community atmosphere with semi-rural character

Opportunities

  • Growing demand for rural lifestyle properties post-COVID
  • Potential for eco-friendly and sustainable living developments
  • Agritourism and rural tourism development
  • Improved digital connectivity enabling remote work

Considerations

  • No direct public transport services
  • Limited local commercial facilities and amenities
  • Reliance on private vehicle transport
  • Limited property market liquidity

Property Market

Median House

$1.25M

+8.5% 1yr

Rent (House)

$780/wk

Days on Market

65

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+45.0%

Rental Yields

House Yield

3.2%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Fiddletown at median house price

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

+8% surcharge

Annual rent income
$40,560

$780/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$55,690

Negatively geared

Tax benefit (39% MTR)
+$21,719

Reduces taxable income

After-tax holding cost
$33,971/yr

~$653/week

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

5-Year Hold

Est. value
$1.92M
Capital gain
$615,890
After discount
$307,945
CGT payable
$120,099

10-Year Hold

Est. value
$2.96M
Capital gain
$1.65M
After discount
$825,907
CGT payable
$322,104

Investor Quick Summary

Entry cost (stamp duty)

$51,140

After-tax yield

1.95%

Weekly holding cost

$653/wk

10yr CGT (est.)

$322,104

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

150

Median Age

42

Median Income

$85K

per annum

Family Households

72.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 95%Units: 3%Townhouses: 2%Total: 58

Lifestyle & Community

Walkability25/100
Public Transport1/10
Schools Rating6/10
Safety9/10
Family Friendly7/10
0
Parks

2

0
Distance to CBD

60.0 km

Nearest Station: Richmond Station

Rural residential lifestyle with hobby farming opportunities, equestrian activities, and close connection to nature

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

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