All Suburbs

Kurnell

NSW 2231LGA: Sutherland Shire

Investment Score

72

/100

AI Intelligence Summary

Kurnell is a unique peninsula suburb in Sydney's Sutherland Shire, renowned for its historical significance as Captain Cook's first Australian landing site in 1770. Located 26km south of Sydney CBD, this coastal community offers a distinctive lifestyle combining beachside living with industrial heritage. The suburb features predominantly detached houses on larger blocks, with properties often commanding premium prices due to their proximity to pristine beaches including Silver Beach and Boat Harbour. Kurnell's geography creates both opportunities and challenges - while residents enjoy access to Kamay Botany Bay National Park and multiple beaches, transport connectivity remains limited with no direct rail access. The community maintains a strong village atmosphere with active local groups and environmental advocates. Property market performance has been steady, supported by the suburb's unique coastal position and limited development potential due to geographical constraints.

Strengths

  • Historical significance and cultural heritage value
  • Multiple pristine beaches and coastal lifestyle
  • Access to Kamay Botany Bay National Park
  • Strong community spirit and local engagement

Opportunities

  • Potential transport infrastructure improvements
  • Growing tourism interest in historical significance
  • Environmental tourism and eco-friendly developments
  • Boutique retail and hospitality development

Considerations

  • Limited public transport connectivity
  • Single road access creating traffic bottlenecks
  • Limited local shopping and commercial services
  • Geographical isolation from major employment centres

Property Market

Median House

$1.45M

+8.2% 1yr

Median Unit

$750K

+6.5% 1yr

Median Townhouse

$980K

Rent (House)

$920/wk

Rent (Unit)

$690/wk

Days on Market

42

Vacancy Rate

2.1%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.2%+22.5%+45.8%
Unit+6.5%+18.2%+38.4%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Townhouse Yield

3.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Kurnell at median house price

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

+8% surcharge

Annual rent income
$47,840

$920/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$63,810

Negatively geared

Tax benefit (39% MTR)
+$24,886

Reduces taxable income

After-tax holding cost
$38,924/yr

~$749/week

Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.25M
Capital gain
$728,037
After discount
$364,019
CGT payable
$141,967

10-Year Hold

Est. value
$3.48M
Capital gain
$1.96M
After discount
$982,005
CGT payable
$382,982

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$749/wk

10yr CGT (est.)

$382,982

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

2,850

Median Age

42

Median Income

$89K

per annum

Family Households

68.0%

Professionals

42.0%

University Educated

32.0%

Unemployment

4.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 82%Units: 12%Townhouses: 6%Total: 1,180

Lifestyle & Community

Walkability45/100
Public Transport4/10
Schools Rating6/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

12

0
Distance to CBD

26.0 km

Nearest Station: Cronulla Station

Relaxed coastal lifestyle with beach access, bushwalking, fishing, and community events, balanced with proximity to Cronulla's dining and entertainment options.

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

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