Grafton
Investment Score
72
/100
AI Intelligence Summary
Grafton, located in northern New South Wales, offers a unique blend of rural charm and urban amenities. With a population of 19,000, the suburb provides a relaxed lifestyle, with easy access to natural attractions and a range of community facilities. The median house price of $485,000 and median unit price of $315,000 make it an attractive option for first-home buyers and investors alike. The suburb's walkability score of 65 and schools rating of 7 out of 10 indicate a moderate level of amenity and educational quality. From an investment perspective, Grafton's rental yield of 4.8% and vacancy rate of 2.8% suggest a relatively stable and in-demand market. The investment score of 72 and growth potential of 68 out of 100 further reinforce the suburb's appeal as a mid-term investment opportunity. While its distance from the CBD may be a drawback for some, Grafton's safety rating of 8 out of 10 and median income of $52,000 demonstrate a strong and secure community. Overall, Grafton presents a compelling case for those seeking a balance of lifestyle, affordability, and investment potential in a regional setting.
Strengths
- •Affordable housing options with median house price of $485,000
- •Relaxed rural lifestyle with easy access to natural attractions
- •Moderate walkability and range of community facilities
- •Stable rental market with 4.8% yield and 2.8% vacancy rate
Opportunities
- •Growing demand for regional housing driven by treechange and seachange trends
- •Potential for infrastructure development and urban renewal projects
- •Increasing popularity of tourism and hospitality industries in the region
Considerations
- •Distance from CBD of 630km may limit job and education opportunities
- •Limited public transportation options may impact accessibility
- •Schools rating of 7 out of 10 may not meet expectations of some families
Property Market
$485K
+4.2% 1yr
$315K
+3.8% 1yr
$420K
$450/wk
$330/wk
65
2.8%
62.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +15.8% | +28.5% |
| Unit | +3.8% | +12.5% | +22.3% |
Rental Yields
House Yield
4.8%
Unit Yield
5.4%
Townhouse Yield
5.1%
Investment Scorecard
Demand/Supply Ratio: 1.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Grafton at median house price
Stamp Duty Estimate
Save $16,355
+8% surcharge
Negative Gearing Position
$450/wk
Negatively geared
Reduces taxable income
~$164/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $4,356
CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.
CGT Projection
Based on 5.7% 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)
$16,355
After-tax yield
2.93%
Weekly holding cost
$164/wk
10yr CGT (est.)
$66,399
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).
Demographics
19,000
44
$52K
per annum
68.0%
35.0%
22.0%
6.2%
18.0%
Dwelling Mix
Lifestyle & Community
35
12
1
630.0 km
Nearest Station: Grafton Station
River-based recreation, community festivals, historic walks, regional shopping, healthcare services, and peaceful suburban living with country town charm.
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Data sourced from multiple sources. Last updated 24 April 2026.