All Suburbs

Lugarno

NSW 2210LGA: Georges River Council

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

Median House

$1.35M

+8.5% 1yr

Median Unit

$680K

+6.2% 1yr

Median Townhouse

$950K

Rent (House)

$850/wk

Rent (Unit)

$580/wk

Days on Market

35

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 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

Overall Investment Score75/100
Growth Potential72/100
Cashflow Score65/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Lugarno 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 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.89M
Capital gain
$480,055
After discount
$240,027
CGT payable
$93,611

10-Year Hold

Est. value
$2.66M
Capital gain
$1.24M
After discount
$621,132
CGT payable
$242,242

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

Population

3,200

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

42.0%

Unemployment

4.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 78%Units: 15%Townhouses: 7%Total: 1,280

Lifestyle & Community

Walkability55/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

4

0
Distance to CBD

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.

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