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Kurrajong Heights

NSW 2758LGA: Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Kurrajong Heights is a picturesque rural locality in the Hawkesbury region of NSW, offering residents a peaceful tree-change lifestyle within commuting distance of Sydney. This small community of approximately 1,200 residents is characterized by larger acreage properties, hobby farms, and horse properties, attracting families and retirees seeking space and tranquility. The area features strong community spirit, highlighted by events like the annual Spring Festival, and provides access to quality primary education through Kurrajong Heights Public School. While residents enjoy proximity to the Blue Mountains National Park and stunning natural surroundings, they must rely on private vehicles for transport and travel to nearby Kurrajong or Richmond for commercial amenities. The property market is competitive due to limited housing stock, with strong demand from Sydney buyers driving growth in this sought-after rural residential enclave.

Strengths

  • Strong community spirit and local networks
  • Large acreage properties ideal for hobby farming and horses
  • Proximity to Blue Mountains National Park and recreational areas
  • Quality primary education at local public school

Opportunities

  • Growing demand for tree-change properties from Sydney buyers
  • Potential for eco-tourism and rural experiences
  • NBN broadband enabling remote work opportunities
  • Development of local businesses to serve growing population

Considerations

  • Limited commercial amenities requiring travel for shopping and services
  • No direct public transport services - car dependency
  • Septic systems and limited sewerage infrastructure
  • Road maintenance challenges due to rural terrain

Property Market

Median House

$1.35M

+8.5% 1yr

Median Unit

$650K

+6.2% 1yr

Rent (House)

$850/wk

Rent (Unit)

$600/wk

Days on Market

45

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%
Unit+6.2%+22.5%+38.4%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Kurrajong Heights at median house price

Standard transfer
$56,640
First Home Buyer
$56,640
Foreign buyer surcharge
$108,000

+8% surcharge

Annual rent income
$44,200

$850/wk

Interest (80% LVR @ 6.5%)
-$70,200
Other expenses (~2.5%)
-$33,750
Net rental position
-$59,750

Negatively geared

Tax benefit (39% MTR)
+$23,303

Reduces taxable income

After-tax holding cost
$36,448/yr

~$701/week

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

5-Year Hold

Est. value
$2.09M
Capital gain
$679,042
After discount
$339,521
CGT payable
$132,413

10-Year Hold

Est. value
$3.24M
Capital gain
$1.83M
After discount
$914,887
CGT payable
$356,806

Investor Quick Summary

Entry cost (stamp duty)

$56,640

After-tax yield

1.95%

Weekly holding cost

$701/wk

10yr CGT (est.)

$356,806

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

1,200

Median Age

42

Median Income

$85K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

32.0%

Unemployment

4.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 88%Units: 5%Townhouses: 7%Total: 485

Lifestyle & Community

Walkability25/100
Public Transport2/10
Schools Rating7/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

2

Parks

8

0
Distance to CBD

75.0 km

Nearest Station: Richmond Station

Rural lifestyle with hobby farming, horse properties, bushwalking, and community events in a peaceful natural setting.

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

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