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Moruya

NSW 2537LGA: Eurobodalla Shire

Investment Score

76

/100

AI Intelligence Summary

Moruya is a charming coastal town located on the Moruya River in NSW's Eurobodalla Shire, approximately 300km south of Sydney. Serving as the administrative center for the region, Moruya has experienced steady population growth driven by sea change migration, particularly from Sydney and Canberra residents seeking a relaxed coastal lifestyle. The town offers a strong sense of community with excellent amenities including Moruya High School, multiple primary schools, Moruya District Hospital, and regular markets and festivals. The property market has seen significant growth post-COVID, with strong demand for coastal lifestyle properties creating a tight rental market and rising property values. Moruya's strategic location on the Princes Highway, combined with its airport offering Sydney flights, provides good connectivity while maintaining its regional charm. The town features a historic precinct, golf course, pristine beaches at Moruya Heads, and excellent river-based recreation. With ongoing infrastructure improvements and a growing arts community, Moruya represents an attractive proposition for retirees, families, and investors seeking coastal lifestyle opportunities in a well-serviced regional center.

Strengths

  • Strategic coastal location with river and beach access
  • Strong community amenities including hospital, schools and airport
  • Excellent connectivity via Princes Highway and Moruya Airport
  • Growing arts and cultural scene with regular markets

Opportunities

  • Continued sea change migration from capital cities
  • Town center revitalization projects enhancing appeal
  • Growing demand for coastal lifestyle properties
  • Infrastructure improvements including cycling pathways

Considerations

  • Limited public transport options requiring car dependency
  • Higher median age reducing workforce diversity
  • Limited housing supply constraining market growth
  • Seasonal tourism fluctuations affecting local economy

Property Market

Median House

$785K

+8.5% 1yr

Median Unit

$520K

+6.2% 1yr

Median Townhouse

$650K

Rent (House)

$650/wk

Rent (Unit)

$520/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%
Unit+6.2%+22.5%+38.4%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.6%

Investment Scorecard

Overall Investment Score76/100
Growth Potential72/100
Cashflow Score68/100
Risk Score (lower = safer)65/100
Affordability Index58/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Moruya at median house price

Standard transfer
$29,855
First Home Buyer
Exempt

Save $29,855

Foreign buyer surcharge
$62,800

+8% surcharge

Annual rent income
$33,800

$650/wk

Interest (80% LVR @ 6.5%)
-$40,820
Other expenses (~2.5%)
-$19,625
Net rental position
-$26,645

Negatively geared

Tax benefit (39% MTR)
+$10,392

Reduces taxable income

After-tax holding cost
$16,253/yr

~$313/week

Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.22M
Capital gain
$397,931
After discount
$198,965
CGT payable
$77,596

10-Year Hold

Est. value
$1.89M
Capital gain
$1.07M
After discount
$533,530
CGT payable
$208,077

Investor Quick Summary

Entry cost (stamp duty)

$29,855

After-tax yield

2.56%

Weekly holding cost

$313/wk

10yr CGT (est.)

$208,077

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

4,200

Median Age

48

Median Income

$58K

per annum

Family Households

62.0%

Professionals

35.0%

University Educated

28.0%

Unemployment

5.2%

Born Overseas

18.0%

Dwelling Mix

Houses: 75%Units: 18%Townhouses: 7%Total: 1,850

Lifestyle & Community

Walkability65/100
Public Transport3/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

22

Parks

8

Hospitals

1

Distance to CBD

300.0 km

Nearest Station: No direct rail service

Coastal lifestyle with river recreation, fishing, boating, beach access, golf, markets, festivals, and strong arts community engagement

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Data sourced from multiple sources. Last updated 28 March 2026.

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