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Kearns

NSW 2558LGA: City of Campbelltown

Investment Score

72

/100

AI Intelligence Summary

Kearns is a diverse, multicultural suburb in southwestern Sydney's Campbelltown area, characterized by its affordability and strong community spirit. Located approximately 50km from Sydney CBD, this established residential area features predominantly 1970s-1980s housing stock with a significant proportion of public housing. The suburb attracts young families and first-home buyers seeking affordable entry into the Sydney market. With a population of around 5,200 residents, Kearns has a notably diverse demographic including significant Pacific Islander and Middle Eastern communities. While facing socioeconomic challenges including higher unemployment rates, the area benefits from proximity to Campbelltown CBD, local amenities including Kearns Public School and recreational facilities, and strong multicultural support networks. The property market remains one of the most affordable in the region, with median house prices around $650,000 and solid rental yields of 4.5-5.5%. Transport connectivity relies primarily on bus services to Campbelltown station, though the area benefits from good road access. The suburb offers genuine community atmosphere with active local organizations, parks including Kearns Reserve, and essential services within reach. Investment appeal centers on affordability, rental demand from diverse tenant base, and potential for capital growth as broader Western Sydney development continues.

Strengths

  • High affordability compared to broader Sydney market
  • Strong multicultural community with active support networks
  • Solid rental yields and consistent tenant demand
  • Proximity to Campbelltown CBD and major shopping facilities

Opportunities

  • Western Sydney infrastructure development plans
  • Potential transport improvements with regional growth
  • First-home buyer market expansion
  • Multicultural business and service development

Considerations

  • Higher unemployment rates than NSW average
  • Limited direct rail transport requiring bus connections
  • Lower socioeconomic profile affecting some services
  • Aging housing stock requiring maintenance investment

Property Market

Median House

$650K

+4.2% 1yr

Median Unit

$420K

+3.8% 1yr

Rent (House)

$650/wk

Rent (Unit)

$460/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+15.8%+28.5%
Unit+3.8%+14.2%+25.6%

Rental Yields

House Yield

5.2%

Unit Yield

5.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score78/100
Risk Score (lower = safer)65/100
Affordability Index85/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Kearns at median house price

Standard transfer
$23,780
First Home Buyer
Exempt

Save $23,780

Foreign buyer surcharge
$52,000

+8% surcharge

Annual rent income
$33,800

$650/wk

Interest (80% LVR @ 6.5%)
-$33,800
Other expenses (~2.5%)
-$16,250
Net rental position
-$16,250

Negatively geared

Tax benefit (39% MTR)
+$6,338

Reduces taxable income

After-tax holding cost
$9,913/yr

~$191/week

Based on 5.7% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$857,607
Capital gain
$180,577
After discount
$90,288
CGT payable
$35,213

10-Year Hold

Est. value
$1.13M
Capital gain
$454,493
After discount
$227,246
CGT payable
$88,626

Investor Quick Summary

Entry cost (stamp duty)

$23,780

After-tax yield

3.17%

Weekly holding cost

$191/wk

10yr CGT (est.)

$88,626

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

5,200

Median Age

32

Median Income

$52K

per annum

Family Households

68.0%

Professionals

28.0%

University Educated

22.0%

Unemployment

8.5%

Born Overseas

48.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 2,100

Lifestyle & Community

Walkability52/100
Public Transport5/10
Schools Rating6/10
Safety6/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

50.0 km

Nearest Station: Campbelltown Station

Community-focused lifestyle with local parks, recreational facilities, multicultural events, and proximity to Campbelltown's shopping and entertainment options.

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

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