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Hurstville

NSW 2220LGA: Kogarah City Council

Investment Score

74

/100

AI Intelligence Summary

Hurstville is a vibrant multicultural suburb located 16km south of Sydney CBD, serving as a major commercial and residential hub in the St George region. The area is characterized by its high-density living with 68% of dwellings being units or apartments, reflecting its urban transformation and proximity to excellent transport links. With a population of 28,500 and a median age of 38, Hurstville attracts a diverse mix of professionals, families, and investors drawn to its connectivity via Hurstville Station on the T4 line. The suburb boasts strong cultural diversity with 48% of residents born overseas, particularly from Asian communities, creating a rich tapestry of dining, shopping, and cultural experiences centered around Westfield Hurstville. Property values have shown solid growth with houses reaching a median of $1.45M and units at $680K, supported by ongoing urban renewal projects and infrastructure improvements. The area offers excellent amenities including quality schools, healthcare facilities, parks, and recreational spaces, making it particularly appealing to families and young professionals seeking urban convenience with community feel.

Strengths

  • Excellent transport connectivity with direct trains to CBD, Bondi Junction, and Cronulla
  • Major commercial hub with Westfield Hurstville and diverse retail offerings
  • Strong multicultural community with rich dining and cultural experiences
  • Solid property market performance with consistent growth across all dwelling types

Opportunities

  • Ongoing urban renewal projects enhancing streetscapes and public spaces
  • Growing Asian population driving demand for specialized services and amenities
  • Potential for further transport infrastructure improvements
  • Development of mixed-use projects combining retail, residential, and commercial

Considerations

  • High property prices limiting affordability for first-home buyers
  • Increasing density and urban development reducing open space
  • Traffic congestion during peak periods
  • Limited parking availability in commercial areas

Property Market

Median House

$1.45M

+8.2% 1yr

Median Unit

$680K

+6.8% 1yr

Median Townhouse

$950K

Rent (House)

$900/wk

Rent (Unit)

$630/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.2%+22.5%+35.8%
Unit+6.8%+18.2%+28.4%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Townhouse Yield

3.8%

Investment Scorecard

Overall Investment Score74/100
Growth Potential72/100
Cashflow Score76/100
Risk Score (lower = safer)65/100
Affordability Index68/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Hurstville at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.05M
Capital gain
$529,561
After discount
$264,780
CGT payable
$103,264

10-Year Hold

Est. value
$2.90M
Capital gain
$1.38M
After discount
$687,960
CGT payable
$268,304

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$268,304

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

28,500

Median Age

38

Median Income

$78K

per annum

Family Households

58.0%

Professionals

42.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 25%Units: 68%Townhouses: 7%Total: 12,800

Lifestyle & Community

Walkability78/100
Public Transport9/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

85

Parks

8

Hospitals

2

Distance to CBD

16.0 km

Nearest Station: Hurstville Station

Urban convenience with excellent dining, shopping at Westfield Hurstville, cultural diversity, recreational facilities, and strong transport connectivity to Sydney's key destinations.

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

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