All Suburbs

Gilgandra

NSW 2827LGA: Gilgandra Shire

Investment Score

72

/100

AI Intelligence Summary

Gilgandra is a rural town in central-western NSW, located approximately 440km northwest of Sydney, serving as the administrative centre of Gilgandra Shire Council. With a population of around 2,800, this agricultural hub is built on wheat, cattle, and sheep farming, offering an authentic country lifestyle with affordable housing on larger blocks. The town features essential amenities including Gilgandra High School, Gilgandra District Hospital, and the historic Coo-ee Heritage Centre commemorating the WWI recruitment march. Property values remain significantly below metropolitan levels, with the market dominated by detached houses showing modest but steady growth. While the town faces typical rural challenges including limited employment diversity, aging population, and basic infrastructure, it offers excellent value for those seeking rural tranquility, strong community connections, and agricultural opportunities. The stable local economy, combined with its role as a regional service centre, provides a solid foundation for long-term sustainability despite the broader trend of rural population decline.

Strengths

  • Extremely affordable housing market with properties well below state averages
  • Strong agricultural economy providing stable economic foundation
  • Regional service centre with essential amenities and healthcare facilities
  • Rich historical heritage including the famous Coo-ee Heritage Centre

Opportunities

  • Agricultural diversification and value-adding enterprises
  • Rural tourism development leveraging historical significance
  • Telecommuting and remote work attracting tree-change seekers
  • Renewable energy projects suited to rural landscape

Considerations

  • Limited employment opportunities outside agriculture sector
  • Aging population with younger residents migrating to cities
  • Basic infrastructure and limited public transport options
  • Restricted retail, dining and entertainment options

Property Market

Median House

$285K

+3.2% 1yr

Median Unit

$180K

+2.1% 1yr

Rent (House)

$260/wk

Rent (Unit)

$180/wk

Days on Market

85

Vacancy Rate

2.1%

Auction Clearance

65.0%

Price Growth

Type1 Year3 Year5 Year
House+3.2%+12.8%+22.5%
Unit+2.1%+8.4%+15.2%

Rental Yields

House Yield

4.8%

Unit Yield

5.2%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score78/100
Risk Score (lower = safer)65/100
Affordability Index85/100

Demand/Supply Ratio: 1.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Gilgandra at median house price

Standard transfer
$8,145
First Home Buyer
Exempt

Save $8,145

Foreign buyer surcharge
$22,800

+8% surcharge

Annual rent income
$13,520

$260/wk

Interest (80% LVR @ 6.5%)
-$14,820
Other expenses (~2.5%)
-$7,125
Net rental position
-$8,425

Negatively geared

Tax benefit (39% MTR)
+$3,286

Reduces taxable income

After-tax holding cost
$5,139/yr

~$99/week

Based on 4.5% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$355,162
Capital gain
$60,592
After discount
$30,296
CGT payable
$11,815

10-Year Hold

Est. value
$442,596
Capital gain
$148,026
After discount
$74,013
CGT payable
$28,865

Investor Quick Summary

Entry cost (stamp duty)

$8,145

After-tax yield

2.93%

Weekly holding cost

$99/wk

10yr CGT (est.)

$28,865

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

2,800

Median Age

47

Median Income

$52K

per annum

Family Households

68.0%

Professionals

28.0%

University Educated

18.0%

Unemployment

4.2%

Born Overseas

8.0%

Dwelling Mix

Houses: 92%Units: 6%Townhouses: 2%Total: 1,350

Lifestyle & Community

Walkability45/100
Public Transport2/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

440.0 km

Nearest Station: Dubbo Station

Rural lifestyle focused on outdoor recreation, farming activities, community events, and historical appreciation with access to essential services and strong social networks typical of country towns.

Interested in Gilgandra?

Get a personalised buyer brief with AI-powered property intelligence for this suburb.

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

Browse all suburbsContact DING