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Lugarno

NSW 2210LGA: Georges River Council

Investment Score

75

/100

AI Intelligence Summary

Lugarno (2210, NSW) is a tightly held, family-oriented riverside suburb that sits in the upper-middle segment of Sydney’s south-eastern market. With a median house price of $1,350,000 and a median unit price of $680,000, it offers a premium suburban lifestyle without reaching the pricing extremes of closer-in inner-city locations. The suburb’s appeal is driven by its strong safety rating, solid school performance, and relatively low-density feel, making it attractive to established families, upsizers, and owner-occupiers seeking a quieter environment within 23km of the Sydney CBD. While walkability is moderate at 55/100, Lugarno’s lifestyle is less about transit-oriented convenience and more about space, privacy, and access to local amenities, parkland, and the Georges River setting. With a median income of $95,000 and a population of just 3,200, the area has a small-community character that typically supports stable demand and low turnover. From an investment perspective, Lugarno presents a balanced profile: an investment score of 75/100 and growth potential of 72/100 suggest reasonable long-term capital growth prospects, supported by limited supply and ongoing family demand. The rental market is also favourable, with a low vacancy rate of 1.8% indicating healthy occupancy and consistent tenant competition. However, the house rental yield of 3.2% is modest, so the suburb is better suited to investors who prioritise capital preservation and gradual growth over high immediate cash flow. Overall, Lugarno stands out as a quality lifestyle suburb with dependable fundamentals, where buyers are paying for livability, safety, and location rather than strong yield. It remains a sensible choice for those seeking a resilient blue-chip style market with steady long-term upside rather than rapid speculative gains.

Strengths

  • Strong family appeal with a quiet, residential character
  • High safety rating of 8/10 supports owner-occupier demand
  • Good school rating of 7/10 enhances long-term desirability
  • Close enough to Sydney CBD at 23km to remain accessible

Opportunities

  • Potential for steady capital growth driven by scarce supply and family demand
  • Attractive option for upsizers seeking a safer, established suburb near Sydney
  • Strong rental occupancy prospects due to low vacancy and stable tenant interest
  • Units may offer a more accessible entry point into the suburb

Considerations

  • House prices are already elevated, limiting entry affordability
  • Rental yield of 3.2% is relatively modest for income-focused investors
  • Walkability score of 55/100 suggests dependence on cars for convenience

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

Stamp Duty Estimate
Standard transfer
$56,640
First Home Buyer
$56,640
Foreign buyer surcharge
$108,000

+8% surcharge

Negative Gearing Position
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

Land Tax Exposure
Est. land value
$810,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $12,660

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

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). 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

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 April 2026.

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