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Grasmere

NSW 2570LGA: Camden

Investment Score

72

/100

AI Intelligence Summary

Grasmere is a small rural locality in the Wollondilly Shire, NSW, offering a peaceful countryside lifestyle within commuting distance of Sydney. This tightly-knit community is characterized by large acreage properties, equestrian facilities, and low-density rural residential development. The area attracts families and professionals seeking space, privacy, and a connection to nature while maintaining accessibility to urban amenities. Properties typically feature substantial land holdings of 2-4 hectares, making it ideal for those wanting hobby farms, horse properties, or simply room to breathe. The suburb benefits from proximity to Thirlmere Lakes National Park and the historic township of Picton, while residents rely on private transport to access services in nearby Camden and Picton. With limited commercial development and a focus on preserving rural character, Grasmere offers excellent value for buyers seeking lifestyle properties. The area has experienced steady growth as Sydney's urban sprawl continues, with infrastructure improvements and NBN connectivity enhancing its appeal to remote workers and tree-changers.

Strengths

  • Large lot sizes and rural lifestyle properties
  • Proximity to Thirlmere Lakes National Park and natural amenities
  • Strong community feel with low population density
  • Reasonable commuting distance to Sydney and major employment centers

Opportunities

  • Growing demand for lifestyle properties post-COVID
  • Potential for rural tourism and agritourism development
  • Infrastructure improvements in the broader Wollondilly region
  • Increasing appeal to remote workers seeking space

Considerations

  • Limited local commercial facilities and services
  • Dependence on private vehicle transport
  • Minimal public transport options
  • Limited housing stock and infrequent sales

Property Market

Median House

$1.40M

+8.5% 1yr

Median Unit

$650K

+6.2% 1yr

Rent (House)

$850/wk

Rent (Unit)

$600/wk

Days on Market

75

Vacancy Rate

1.8%

Auction Clearance

65.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.0%+45.0%
Unit+6.2%+22.0%+35.0%

Rental Yields

House Yield

3.1%

Unit Yield

4.8%

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 Grasmere at median house price

Standard transfer
$59,390
First Home Buyer
$59,390
Foreign buyer surcharge
$112,000

+8% surcharge

Annual rent income
$44,200

$850/wk

Interest (80% LVR @ 6.5%)
-$72,800
Other expenses (~2.5%)
-$35,000
Net rental position
-$63,600

Negatively geared

Tax benefit (39% MTR)
+$24,804

Reduces taxable income

After-tax holding cost
$38,796/yr

~$746/week

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

5-Year Hold

Est. value
$2.15M
Capital gain
$687,684
After discount
$343,842
CGT payable
$134,098

10-Year Hold

Est. value
$3.31M
Capital gain
$1.85M
After discount
$923,960
CGT payable
$360,344

Investor Quick Summary

Entry cost (stamp duty)

$59,390

After-tax yield

1.89%

Weekly holding cost

$746/wk

10yr CGT (est.)

$360,344

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

43

Median Income

$95K

per annum

Family Households

68.0%

Professionals

48.0%

University Educated

35.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 85%Units: 8%Townhouses: 7%Total: 320

Lifestyle & Community

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

2

Parks

8

0
Distance to CBD

75.0 km

Nearest Station: Picton Station

Rural lifestyle focused on outdoor activities, equestrian pursuits, hobby farming, and nature appreciation with easy access to national parks and natural areas.

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

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