All Suburbs

Kyogle

NSW 2474LGA: Kyogle Council

Investment Score

72

/100

AI Intelligence Summary

Kyogle, 2474, presents itself as an appealing regional hub in northern NSW, characterized by its affordability and strong community feel. With a median house price significantly below metropolitan averages at $385,000, it offers an accessible entry point into the property market for first-time buyers, families, and those seeking a tree-change. The town's population of 2,800 is indicative of a close-knit community, a sentiment reinforced by its excellent Safety Rating of 8.0/10. This is a place where residents can enjoy a relaxed pace of life without compromising on essential services. The robust Investment Score of 72.0/100, coupled with a respectable Growth Potential of 68.0/100, highlights Kyogle's attractiveness to investors. The impressive rental yield of 4.8% for houses and a low vacancy rate of 1.8% underscore the strong demand for rental properties, indicating a stable and potentially lucrative income stream for landlords. While its distance from a major CBD (758.0km) signifies a truly regional existence, this is often a draw for those looking to escape urban congestion. The median income of $42,000 reflects the regional economic landscape, suggesting a focus on local industries and services. Although the Walkability Score of 45.0/100 implies a reliance on vehicles for daily errands, the community's size often means amenities are still easily accessible. The Schools Rating of 6.0/10 suggests a solid educational foundation, with room for improvement. Overall, Kyogle offers a balanced lifestyle proposition with significant investment potential in a friendly, safe environment.

Strengths

  • Highly affordable property prices for both houses and units, offering accessible entry to the market.
  • Strong investment potential with a high Investment Score and solid Growth Potential.
  • Attractive rental market demonstrated by a healthy 4.8% rental yield and low 1.8% vacancy rate.
  • Excellent safety rating contributing to a secure and family-friendly environment.

Opportunities

  • Growth in regional migration driving demand for affordable housing and rental properties.
  • Potential for increased local business and service development to cater to a growing population.
  • Infrastructure improvements to enhance connectivity and accessibility within the region.

Considerations

  • Lower median income compared to metropolitan areas, potentially impacting local spending power.
  • Limited walkability suggesting a reliance on private transportation for daily activities.
  • Significant distance from major CBDs, potentially impacting access to a wider range of services and employment opportunities.

Property Market

Median House

$385K

+3.2% 1yr

Median Unit

$280K

+2.8% 1yr

Rent (House)

$350/wk

Rent (Unit)

$280/wk

Days on Market

65

Vacancy Rate

1.8%

Auction Clearance

55.0%

Price Growth

Type1 Year3 Year5 Year
House+3.2%+12.8%+25.5%
Unit+2.8%+10.5%+22.0%

Rental Yields

House Yield

4.8%

Unit Yield

5.2%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score78/100
Risk Score (lower = safer)65/100
Affordability Index85/100

Demand/Supply Ratio: 1.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Kyogle at median house price

Standard transfer
$11,855
First Home Buyer
Exempt

Save $11,855

Foreign buyer surcharge
$30,800

+8% surcharge

Annual rent income
$18,200

$350/wk

Interest (80% LVR @ 6.5%)
-$20,020
Other expenses (~2.5%)
-$9,625
Net rental position
-$11,445

Negatively geared

Tax benefit (39% MTR)
+$4,464

Reduces taxable income

After-tax holding cost
$6,981/yr

~$134/week

Based on 5.1% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$493,713
Capital gain
$94,933
After discount
$47,466
CGT payable
$18,512

10-Year Hold

Est. value
$633,123
Capital gain
$234,343
After discount
$117,171
CGT payable
$45,697

Investor Quick Summary

Entry cost (stamp duty)

$11,855

After-tax yield

2.93%

Weekly holding cost

$134/wk

10yr CGT (est.)

$45,697

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

2,800

Median Age

48

Median Income

$42K

per annum

Family Households

58.0%

Professionals

25.0%

University Educated

18.0%

Unemployment

8.2%

Born Overseas

15.0%

Dwelling Mix

Houses: 82%Units: 15%Townhouses: 3%Total: 1,250

Lifestyle & Community

Walkability45/100
Public Transport2/10
Schools Rating6/10
Safety8/10
Family Friendly7/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

758.0 km

Nearest Station: Casino Station

Quiet country living with outdoor recreation opportunities, community events, and proximity to natural attractions

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Data sourced from multiple sources. Last updated 16 April 2026.

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