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Greenhills Beach

NSW 2230LGA: Sutherland Shire

Investment Score

78

/100

AI Intelligence Summary

Greenhills Beach is a premium coastal suburb in the Sutherland Shire, offering direct beach access and an exclusive residential environment just 32km from Sydney CBD. With a small population of 850 residents and only 380 dwellings, this tightly-held enclave commands premium property prices, with median house values at $1.85 million. The suburb attracts affluent professionals and families seeking a coastal lifestyle, evidenced by the high median income of $110,000 and 52% professional workforce. The community is characterized by mature residents (median age 48) living in predominantly separate houses (75%) on generous 620sqm blocks. While transport connectivity is limited with car dependency at 78%, the beachside location and proximity to Cronulla's amenities provide significant lifestyle appeal. The property market shows strong growth with 12.5% annual house price increases, though rental yields are modest at 2.8% for houses. Investment fundamentals are solid with low crime (15/100), excellent safety ratings (9/10), and limited supply creating scarcity value. The suburb's small size means limited local amenities, requiring residents to travel to nearby Cronulla for shopping and services.

Strengths

  • Direct beachfront access with patrolled swimming areas
  • Premium location in exclusive Sutherland Shire coastal corridor
  • Strong capital growth potential with limited housing supply
  • High-income professional demographic providing market stability

Opportunities

  • Continued gentrification and property renovation potential
  • Growing demand for coastal lifestyle post-COVID
  • Infrastructure improvements in broader Sutherland Shire
  • Potential for luxury development given large land sizes

Considerations

  • Limited public transport connectivity requiring car dependency
  • Minimal local commercial facilities and services
  • High property entry costs limiting buyer pool
  • Seasonal parking pressures during peak beach periods

Property Market

Median House

$1.85M

+12.5% 1yr

Median Unit

$950K

+8.5% 1yr

Median Townhouse

$1.40M

Rent (House)

$1,000/wk

Rent (Unit)

$780/wk

Days on Market

28

Vacancy Rate

1.2%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+12.5%+28.0%+45.0%
Unit+8.5%+22.0%+38.0%

Rental Yields

House Yield

2.8%

Unit Yield

4.2%

Townhouse Yield

3.2%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score58/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Greenhills Beach at median house price

Standard transfer
$84,140
First Home Buyer
$84,140
Foreign buyer surcharge
$148,000

+8% surcharge

Annual rent income
$52,000

$1000/wk

Interest (80% LVR @ 6.5%)
-$96,200
Other expenses (~2.5%)
-$46,250
Net rental position
-$90,450

Negatively geared

Tax benefit (39% MTR)
+$35,276

Reduces taxable income

After-tax holding cost
$55,175/yr

~$1,061/week

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

5-Year Hold

Est. value
$2.85M
Capital gain
$903,064
After discount
$451,532
CGT payable
$176,098

10-Year Hold

Est. value
$4.38M
Capital gain
$2.44M
After discount
$1.22M
CGT payable
$475,065

Investor Quick Summary

Entry cost (stamp duty)

$84,140

After-tax yield

1.71%

Weekly holding cost

$1061/wk

10yr CGT (est.)

$475,065

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

48

Median Income

$110K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 380

Lifestyle & Community

Walkability65/100
Public Transport4/10
Schools Rating8/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

2

Parks

2

0
Distance to CBD

32.0 km

Nearest Station: Cronulla Station

Beach-centric lifestyle with water sports, coastal walks, and proximity to Cronulla's dining and shopping precincts for daily needs.

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

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