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Killarney Heights

NSW 2087LGA: Northern Beaches

Investment Score

75

/100

AI Intelligence Summary

Killarney Heights, NSW 2087, is a prestigious suburb on the Upper North Shore of Sydney, offering a tranquil and family-friendly lifestyle. With a median house price of $1,650,000 and a median unit price of $850,000, the area attracts high-income earners seeking a comfortable and secure environment. The suburb's walkability score of 45.0/100 and schools rating of 7.0/10 indicate a moderate level of amenities and educational facilities. However, its safety rating of 8.0/10 and investment score of 75.0/100 make it an attractive option for investors and homeowners alike. The rental yield of 3.2% and low vacancy rate of 1.8% further reinforce its investment potential. While the suburb is approximately 20.0 km from the CBD, its growth potential of 72.0/100 suggests that it may experience significant development and appreciation in value over time. Overall, Killarney Heights presents a unique opportunity for those seeking a balance of lifestyle, security, and investment returns.

Strengths

  • High median income of $95,000
  • Strong investment score of 75.0/100
  • Low vacancy rate of 1.8%
  • Good safety rating of 8.0/10

Opportunities

  • Renovation and development opportunities in existing properties
  • Potential for increased demand and rental yields due to limited supply
  • Scope for improvement in local amenities and infrastructure to enhance lifestyle and property values

Considerations

  • Limited walkability with a score of 45.0/100
  • Moderate schools rating of 7.0/10
  • Distance from CBD of 20.0 km may impact commute times

Property Market

Median House

$1.65M

+4.2% 1yr

Median Unit

$850K

+3.8% 1yr

Median Townhouse

$1.20M

Rent (House)

$1,050/wk

Rent (Unit)

$670/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+35.8%
Unit+3.8%+16.2%+32.4%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score75/100
Growth Potential72/100
Cashflow Score65/100
Risk Score (lower = safer)72/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Killarney Heights at median house price

Stamp Duty Estimate
Standard transfer
$73,140
First Home Buyer
$73,140
Foreign buyer surcharge
$132,000

+8% surcharge

Negative Gearing Position
Annual rent income
$54,600

$1050/wk

Interest (80% LVR @ 6.5%)
-$85,800
Other expenses (~2.5%)
-$41,250
Net rental position
-$72,450

Negatively geared

Tax benefit (39% MTR)
+$28,256

Reduces taxable income

After-tax holding cost
$44,195/yr

~$850/week

Land Tax Exposure
Est. land value
$990,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $15,540

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

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

5-Year Hold

Est. value
$2.33M
Capital gain
$600,175
After discount
$300,087
CGT payable
$117,034

10-Year Hold

Est. value
$3.29M
Capital gain
$1.56M
After discount
$781,636
CGT payable
$304,838

Investor Quick Summary

Entry cost (stamp duty)

$73,140

After-tax yield

1.95%

Weekly holding cost

$850/wk

10yr CGT (est.)

$304,838

Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).

Demographics

Population

3,200

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 1,280

Lifestyle & Community

Walkability45/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

20.0 km

Nearest Station: Chatswood Station

Suburban family lifestyle with access to recreational facilities, parks, lakes, and beaches. Strong community spirit with local school involvement and outdoor recreation focus.

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Data sourced from multiple sources. Last updated 23 April 2026.

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