Lilli Pilli
Investment Score
78
/100
AI Intelligence Summary
Lilli Pilli is an exclusive waterfront suburb in Sydney's Sutherland Shire, renowned for its premium location on Port Hacking and Gunnamatta Bay. This prestigious pocket attracts affluent families and retirees seeking tranquil waterfront living just 30km from Sydney CBD. The suburb features predominantly detached homes on generous blocks, with many properties boasting water views and private jetties. Limited housing stock and geographic constraints maintain exclusivity and support strong capital growth. The community enjoys excellent water recreation opportunities, bushland reserves, and a village-like atmosphere despite proximity to urban amenities. While public transport options are limited, residents benefit from low crime rates, quality schools nearby, and easy access to Cronulla's beaches and shopping. The area's natural beauty, combined with its established character and scarcity value, makes it highly sought-after among discerning buyers seeking a premium lifestyle location.
Strengths
- •Premium waterfront location with Port Hacking access
- •Strong capital growth and property value stability
- •Exclusive low-density residential character
- •Excellent water recreation and boating facilities
Opportunities
- •Waterfront property development potential
- •Growing demand for premium lifestyle locations
- •Infrastructure improvements in Sutherland Shire
- •Increasing interest in water-access properties
Considerations
- •Limited public transport connectivity
- •High car dependency for daily needs
- •Premium price point limiting affordability
- •Limited local shopping and dining options
Property Market
$2.35M
+8.5% 1yr
$1.45M
+6.2% 1yr
$1,400/wk
$1,150/wk
38
1.8%
75.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +28.5% | +42.5% |
| Unit | +6.2% | +22.8% | +35.2% |
Rental Yields
House Yield
3.1%
Unit Yield
4.2%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Lilli Pilli at median house price
+8% surcharge
$1400/wk
Negatively geared
Reduces taxable income
~$1,269/week
Based on 8.5% 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)
$111,640
After-tax yield
1.89%
Weekly holding cost
$1269/wk
10yr CGT (est.)
$553,785
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
1,200
47
$145K
per annum
68.0%
52.0%
48.0%
3.2%
28.0%
Dwelling Mix
Lifestyle & Community
3
6
1
30.0 km
Nearest Station: Cronulla Station
Premium waterfront living with boating, water sports, bushwalking, and easy access to beaches and recreational facilities
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Data sourced from multiple sources. Last updated 27 March 2026.