Moruya
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
$785K
+8.5% 1yr
$520K
+6.2% 1yr
$650K
$650/wk
$520/wk
42
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 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
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Moruya at median house price
Save $29,855
+8% surcharge
$650/wk
Negatively geared
Reduces taxable income
~$313/week
Based on 9.2% 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)
$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
4,200
48
$58K
per annum
62.0%
35.0%
28.0%
5.2%
18.0%
Dwelling Mix
Lifestyle & Community
22
8
1
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.