Gymea Bay
Investment Score
78
/100
AI Intelligence Summary
Gymea Bay is a premium waterfront suburb in the Sutherland Shire, located 26km south of Sydney CBD. This small, established residential enclave is renowned for its stunning Georges River frontage, featuring the popular Gymea Bay Baths tidal pool and marina facilities. The suburb attracts affluent families and retirees seeking a lifestyle location with water access while maintaining connectivity to Sydney via Gymea train station. Property values are supported by limited housing supply, waterfront proximity, and strong community amenities. The area offers a unique blend of natural beauty and urban convenience, with established homes and newer developments commanding premium prices due to water views and lifestyle appeal. Strong infrastructure including NBN connectivity and excellent transport links via the T4 Eastern Suburbs line make it attractive to professionals. The community enjoys access to sailing clubs, waterfront reserves, and the nearby Gymea shopping village, creating a desirable lifestyle destination within the Sutherland Shire.
Strengths
- •Premium waterfront location with Georges River frontage
- •Direct train access to Sydney CBD via T4 line
- •Established community with strong lifestyle amenities
- •Limited housing supply supporting property values
Opportunities
- •Potential for luxury residential redevelopment
- •Growing demand for waterfront lifestyle properties
- •Infrastructure improvements enhancing connectivity
- •Rental investment potential from professional tenants
Considerations
- •Higher property prices limiting affordability
- •Limited commercial and employment opportunities locally
- •Potential flood risk in low-lying waterfront areas
- •Traffic congestion during peak periods
Property Market
$1.65M
+8.5% 1yr
$850K
+6.8% 1yr
$1.20M
$1,050/wk
$670/wk
32
1.8%
78.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +45.0% |
| Unit | +6.8% | +18.5% | +38.0% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Gymea Bay at median house price
+8% surcharge
$1050/wk
Negatively geared
Reduces taxable income
~$850/week
Based on 9.0% 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)
$73,140
After-tax yield
1.95%
Weekly holding cost
$850/wk
10yr CGT (est.)
$424,078
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
1,850
47
$95K
per annum
68.0%
52.0%
48.0%
3.2%
32.0%
Dwelling Mix
Lifestyle & Community
12
8
1
26.0 km
Nearest Station: Gymea Station
Waterfront living with sailing, swimming at tidal baths, marina access, parkland walks along Georges River, and close proximity to quality shopping and dining in nearby Gymea village.
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Data sourced from multiple sources. Last updated 27 March 2026.