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Macquarie Fields

NSW 2564LGA: Campbelltown City

Investment Score

75

/100

AI Intelligence Summary

Macquarie Fields is an established suburb in southwestern Sydney's Campbelltown local government area, positioned as an affordable entry point into the Greater Sydney property market. The suburb features predominantly detached housing with some townhouses and units, attracting first home buyers and investors seeking strong rental yields. With excellent transport connectivity via Macquarie Fields Railway Station on the T8 line providing direct CBD access, plus proximity to M5 and M31 motorways, the area offers convenience for commuters. The community is culturally diverse with significant Pacific Islander and Middle Eastern populations, creating a vibrant multicultural atmosphere. Local amenities include Macquarie Fields Shopping Centre, multiple parks, and several schools, while being close to Campbelltown CBD for additional services. The suburb benefits from ongoing urban renewal initiatives and forms part of the broader South West Sydney growth corridor, positioning it well for future development. Property values have shown steady growth over recent years, with the market characterized by relatively quick sales and strong rental demand. The area particularly appeals to young families and working-class households seeking affordable housing options with good transport links.

Strengths

  • Excellent public transport connectivity with direct train access to Sydney CBD
  • Affordable property prices compared to Sydney average
  • Strong rental yields attracting investors
  • Multicultural community with diverse amenities and services

Opportunities

  • Urban renewal projects improving suburb appeal
  • Infrastructure investment in South West Sydney corridor
  • Growing demand from first home buyers due to affordability
  • Potential for medium-density development near transport hubs

Considerations

  • Higher proportion of social housing may affect property values
  • Distance from Sydney CBD limits employment opportunities
  • Limited high-end dining and entertainment options
  • Perception issues common to outer suburban areas

Property Market

Median House

$685K

+7.2% 1yr

Median Unit

$475K

+6.8% 1yr

Median Townhouse

$580K

Rent (House)

$630/wk

Rent (Unit)

$490/wk

Days on Market

30

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+7.2%+22.5%+38.8%
Unit+6.8%+20.2%+35.5%

Rental Yields

House Yield

4.8%

Unit Yield

5.4%

Townhouse Yield

5.1%

Investment Scorecard

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score82/100
Risk Score (lower = safer)68/100
Affordability Index85/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Macquarie Fields at median house price

Standard transfer
$25,355
First Home Buyer
Exempt

Save $25,355

Foreign buyer surcharge
$54,800

+8% surcharge

Annual rent income
$32,760

$630/wk

Interest (80% LVR @ 6.5%)
-$35,620
Other expenses (~2.5%)
-$17,125
Net rental position
-$19,985

Negatively geared

Tax benefit (39% MTR)
+$7,794

Reduces taxable income

After-tax holding cost
$12,191/yr

~$234/week

Based on 7.8% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$995,356
Capital gain
$281,576
After discount
$140,788
CGT payable
$54,907

10-Year Hold

Est. value
$1.45M
Capital gain
$732,547
After discount
$366,273
CGT payable
$142,847

Investor Quick Summary

Entry cost (stamp duty)

$25,355

After-tax yield

2.93%

Weekly holding cost

$234/wk

10yr CGT (est.)

$142,847

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

8,200

Median Age

32

Median Income

$58K

per annum

Family Households

68.0%

Professionals

28.0%

University Educated

22.0%

Unemployment

7.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 75%Units: 18%Townhouses: 7%Total: 3,200

Lifestyle & Community

Walkability65/100
Public Transport8/10
Schools Rating6/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

15

Parks

8

Hospitals

1

Distance to CBD

42.0 km

Nearest Station: Macquarie Fields Railway Station

Family-oriented suburban lifestyle with good access to parks, local shopping, and community facilities. Strong community spirit with various cultural and sporting groups active in the area.

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Data sourced from multiple sources. Last updated 27 March 2026.

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