Kogarah Bay
Investment Score
78
/100
AI Intelligence Summary
Kogarah Bay is a premium waterfront suburb located 14km south of Sydney CBD in the sought-after St George region. This small, exclusive residential enclave offers direct access to Kogarah Bay and Georges River, creating a unique lifestyle opportunity with waterfront living close to urban amenities. The suburb is characterized by a mix of original post-war homes and modern renovated properties, with limited housing stock maintaining strong property values. Residents enjoy proximity to Kogarah town center with its shopping, dining, and transport links, while benefiting from nearby quality schools and St George Hospital. The area features excellent recreational opportunities including Carss Park and Carss Bush Park, along with boating and water activities. Demographics show an established community with higher median age and income levels, reflecting the suburb's premium positioning. The property market remains stable with moderate growth, supported by consistent demand for waterfront properties and limited supply. Transport connectivity is strong via Kogarah railway station on the T4 line, providing direct CBD access.
Strengths
- •Premium waterfront location with direct bay access
- •Limited housing stock maintaining exclusivity and value
- •Excellent transport connectivity via Kogarah station
- •Proximity to quality amenities in Kogarah town center
Opportunities
- •Renovation potential in older post-war homes
- •Growing demand for waterfront lifestyle properties
- •Potential for luxury development on larger blocks
- •Increasing appeal for downsizers seeking premium location
Considerations
- •Higher property prices due to waterfront premium
- •Limited housing stock restricting buyer choice
- •Potential flood risk due to waterfront location
- •Smaller community with fewer local commercial services
Property Market
$1.85M
+6.2% 1yr
$950K
+4.8% 1yr
$980/wk
$780/wk
30
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +6.2% | +18.5% | +32.8% |
| Unit | +4.8% | +15.2% | +28.5% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Investment Scorecard
Demand/Supply Ratio: 2.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Kogarah Bay at median house price
+8% surcharge
$980/wk
Negatively geared
Reduces taxable income
~$1,073/week
Based on 6.6% 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)
$84,140
After-tax yield
1.71%
Weekly holding cost
$1073/wk
10yr CGT (est.)
$302,041
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
850
47
$95K
per annum
68.0%
52.0%
48.0%
3.2%
42.0%
Dwelling Mix
Lifestyle & Community
12
5
1
14.0 km
Nearest Station: Kogarah Station
Waterfront living with boating, water sports, parkland access, and proximity to urban amenities
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Data sourced from multiple sources. Last updated 27 March 2026.