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Kurrajong Hills

NSW 2758LGA: Hawkesbury

Investment Score

75

/100

AI Intelligence Summary

Kurrajong Hills is a prestigious rural residential locality in NSW's Hawkesbury region, approximately 65km northwest of Sydney CBD. This semi-rural community offers an exclusive lifestyle with predominantly acreage properties ranging from 1-5 acres, attracting families seeking space, privacy, and a country atmosphere while maintaining reasonable access to Sydney. The area is characterized by established homes on large blocks, horse properties, and hobby farms, creating a distinct rural character that has become increasingly sought after post-COVID. With limited housing stock and infrequent sales, Kurrajong Hills maintains exclusivity and strong price growth. The community relies heavily on private transport due to limited public transport options, with Kurrajong Heights Road providing the main access route. Residents enjoy access to quality local schools, community parks, and the nearby Kurrajong village for essential amenities. The area attracts predominantly Australian-born families with above-average incomes who value the rural lifestyle while remaining within commuting distance of major employment centers.

Strengths

  • Premium rural residential lifestyle with large acreage properties
  • Strong capital growth potential due to limited supply and high demand
  • Excellent schools including Kurrajong Heights Public School and private options
  • Close-knit community atmosphere with low crime rates

Opportunities

  • Continued demand from Sydney residents seeking lifestyle change
  • Potential for boutique development on larger blocks
  • Growing remote work trends supporting rural living
  • Tourism and agritourism potential

Considerations

  • Limited public transport requiring car dependency
  • Higher property prices limiting affordability for some buyers
  • Limited shopping and dining options requiring travel to larger centers
  • Septic systems on some properties requiring maintenance

Property Market

Median House

$1.45M

+8.5% 1yr

Median Unit

$650K

+6.0% 1yr

Rent (House)

$900/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%+28.0%+45.0%
Unit+6.0%+22.0%+35.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.8%

Investment Scorecard

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score62/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Kurrajong Hills at median house price

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

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.23M
Capital gain
$711,615
After discount
$355,807
CGT payable
$138,765

10-Year Hold

Est. value
$3.43M
Capital gain
$1.91M
After discount
$956,644
CGT payable
$373,091

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$373,091

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

850

Median Age

42

Median Income

$95K

per annum

Family Households

78.0%

Professionals

52.0%

University Educated

38.0%

Unemployment

3.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 95%Units: 3%Townhouses: 2%Total: 320

Lifestyle & Community

Walkability25/100
Public Transport2/10
Schools Rating8/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

3

Parks

4

0
Distance to CBD

65.0 km

Nearest Station: Richmond Station

Rural residential living with horse properties, hobby farming, bushwalking, and community events in a peaceful country setting with mountain views.

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

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