Monterey
Investment Score
75
/100
AI Intelligence Summary
Monterey is a well-established residential suburb in the Sutherland Shire, located 16km south of Sydney CBD. This family-oriented community features predominantly detached homes on generous blocks, reflecting its post-war suburban development character. The suburb benefits from proximity to Kogarah Bay, Carss Bush Park, and nearby beaches, offering residents an appealing lifestyle balance. With a median age higher than Sydney's average, Monterey attracts established families and professionals seeking a quieter suburban environment while maintaining reasonable access to employment centres. The local property market has demonstrated steady growth, supported by the area's natural amenities and established community networks. While public transport options are limited, residents benefit from good road connections and access to quality educational facilities in surrounding areas. The suburb maintains a strong community feel through local sporting clubs and neighborhood networks, making it particularly attractive to families seeking stability and lifestyle amenities within the greater Sydney region.
Strengths
- •Proximity to Kogarah Bay and recreational parklands
- •Established family-friendly community with strong neighborhood networks
- •Steady property price growth and market resilience
- •Access to quality beaches and waterfront recreation
Opportunities
- •Potential for gentle residential densification
- •Growing appeal as affordable family alternative to inner suburbs
- •Infrastructure improvements in broader Sutherland Shire
- •Increasing demand for lifestyle suburbs post-COVID
Considerations
- •Limited public transport options requiring car dependency
- •Restricted local shopping requiring travel to nearby centres
- •Higher median age indicating potential demographic transition
- •Limited apartment development constraining housing diversity
Property Market
$1.45M
+5.8% 1yr
$720K
+4.2% 1yr
$980K
$900/wk
$620/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +5.8% | +18.5% | +35.2% |
| Unit | +4.2% | +15.8% | +28.6% |
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 Monterey at median house price
+8% surcharge
$900/wk
Negatively geared
Reduces taxable income
~$761/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)
$62,140
After-tax yield
1.95%
Weekly holding cost
$761/wk
10yr CGT (est.)
$262,014
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
43
$92K
per annum
68.0%
45.0%
35.0%
4.2%
28.0%
Dwelling Mix
Lifestyle & Community
8
5
1
16.0 km
Nearest Station: Kogarah Station
Quiet suburban living with access to beaches, parks, and recreational facilities. Community-oriented with local clubs and established social networks.
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Data sourced from multiple sources. Last updated 28 March 2026.