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Freemans Reach

NSW 2756LGA: City of Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Freemans Reach is a small rural locality in NSW's Hawkesbury region, located approximately 65km northwest of Sydney CBD. This predominantly rural residential area is characterized by large acreage properties ranging from 1-5 acres, attracting residents seeking a country lifestyle within commuting distance of Sydney. The community maintains a strong agricultural heritage with close proximity to Hawkesbury River recreational activities. With limited local commercial facilities, residents typically travel to nearby Windsor and Richmond for major shopping and services. The area features minimal public transport, with most residents relying on private vehicles. The property market is dominated by low-density rural residential blocks with limited housing stock and low turnover rates. The stable population and rural character make it appealing to families and professionals seeking space and tranquility while maintaining accessibility to urban centers. Infrastructure includes NBN broadband coverage and local road connections to Windsor Road, though public transport options remain limited.

Strengths

  • Large acreage properties offering rural lifestyle
  • Proximity to Hawkesbury River recreation
  • Close to Windsor and Richmond amenities
  • Strong agricultural heritage and community character

Opportunities

  • Growing demand for rural lifestyle properties
  • Potential for sustainable agriculture ventures
  • Tourism development near Hawkesbury River
  • Infrastructure improvements in broader Hawkesbury region

Considerations

  • Limited local commercial facilities
  • Minimal public transport options
  • Heavy reliance on private vehicles
  • Limited housing stock availability

Property Market

Median House

$1.25M

+6.5% 1yr

Median Unit

$650K

+4.2% 1yr

Rent (House)

$680/wk

Rent (Unit)

$520/wk

Days on Market

65

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+6.5%+18.2%+35.8%
Unit+4.2%+12.5%+28.3%

Rental Yields

House Yield

2.8%

Unit Yield

4.2%

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 Freemans Reach at median house price

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

+8% surcharge

Annual rent income
$35,360

$680/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$60,890

Negatively geared

Tax benefit (39% MTR)
+$23,747

Reduces taxable income

After-tax holding cost
$37,143/yr

~$714/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

1.71%

Weekly holding cost

$714/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

850

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

3.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 92%Units: 5%Townhouses: 3%Total: 320

Lifestyle & Community

Walkability25/100
Public Transport2/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

2

Parks

4

0
Distance to CBD

65.0 km

Nearest Station: Richmond Station

Rural living with river recreation, farming activities, and peaceful country atmosphere

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

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