Lugarno
Investment Score
75
/100
AI Intelligence Summary
Lugarno is a quiet residential suburb in Sydney's St George region, located 23km south of the CBD along the Georges River. This established family-oriented community features predominantly detached homes from the 1960s-70s on generous blocks, with many properties offering river access and water views. The suburb attracts families seeking a peaceful lifestyle with natural amenities, including Gannons Park and extensive river frontage for boating and fishing. While primarily car-dependent with limited public transport, Lugarno offers good access to quality schools including the local primary school and nearby Peakhurst High School. The area maintains a village-like atmosphere with essential services along Forest Road, making it popular among established families and retirees. Property values reflect the suburb's desirable riverside location and family appeal, with waterfront homes commanding premium prices. The community benefits from Georges River Council services and is part of broader St George area development planning, though infrastructure improvements remain focused on local road maintenance rather than major transport upgrades.
Strengths
- •Scenic Georges River frontage with water recreation opportunities
- •Quiet family-friendly residential character
- •Generous block sizes and established homes
- •Access to quality local schools and education
Opportunities
- •Home renovation and modernization potential
- •Waterfront property development appeal
- •Growing demand for family-oriented suburbs
- •Potential transport infrastructure improvements
Considerations
- •Limited public transport connectivity
- •Car-dependent lifestyle
- •Aging housing stock requiring renovation
- •Limited retail and dining options
Property Market
$1.35M
+8.5% 1yr
$680K
+6.2% 1yr
$950K
$850/wk
$580/wk
35
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +35.0% |
| Unit | +6.2% | +18.5% | +28.0% |
Rental Yields
House Yield
3.2%
Unit Yield
4.5%
Townhouse Yield
3.8%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Lugarno at median house price
+8% surcharge
$850/wk
Negatively geared
Reduces taxable income
~$701/week
Based on 7.0% 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)
$56,640
After-tax yield
1.95%
Weekly holding cost
$701/wk
10yr CGT (est.)
$242,242
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
3,200
42
$95K
per annum
68.0%
45.0%
42.0%
4.2%
35.0%
Dwelling Mix
Lifestyle & Community
8
4
23.0 km
Nearest Station: Hurstville Station
Relaxed waterside living with boating, fishing, parkland recreation, and family-oriented activities in a quiet residential setting.
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Data sourced from multiple sources. Last updated 27 March 2026.