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Mount Annan

NSW 2567LGA: Camden Council

Investment Score

78

/100

AI Intelligence Summary

Mount Annan is a well-established family-oriented suburb in Sydney's south-west, located 55km from the CBD in the Camden Local Government Area. With a population of 15,200 and median age of 34, it attracts young professionals and growing families seeking affordable housing with space. The suburb is anchored by the renowned Australian Botanic Garden Mount Annan, providing exceptional recreational amenities. Housing is predominantly detached homes on generous 650sqm blocks, with median house prices at $875,000 representing strong value compared to Sydney's broader market. The area has experienced solid capital growth of 35.8% over five years, driven by new housing developments and infrastructure improvements. While public transport options are limited, requiring reliance on private vehicles, the suburb offers excellent schools, low crime rates, and strong community facilities. Mount Annan represents an attractive proposition for families prioritizing space, affordability, and lifestyle amenities over proximity to the CBD.

Strengths

  • Home to Australian Botanic Garden Mount Annan - major recreational asset
  • Strong family-friendly environment with excellent schools and low crime
  • Affordable housing market with generous land sizes averaging 650sqm
  • Solid capital growth track record with 35.8% growth over 5 years

Opportunities

  • Continued population growth in South West Growth Area
  • Potential future rail infrastructure improvements
  • New housing developments expanding supply and amenities
  • Growing employment opportunities in Macarthur region

Considerations

  • Limited public transport options requiring car dependency
  • Distance from Sydney CBD at 55km limiting employment accessibility
  • Relatively new suburb with limited established character
  • Higher reliance on private vehicle transport increases living costs

Property Market

Median House

$875K

+7.2% 1yr

Median Unit

$650K

+5.8% 1yr

Median Townhouse

$750K

Rent (House)

$650/wk

Rent (Unit)

$550/wk

Days on Market

28

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+7.2%+18.5%+35.8%
Unit+5.8%+15.2%+28.5%

Rental Yields

House Yield

3.8%

Unit Yield

4.5%

Townhouse Yield

4.1%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score72/100
Risk Score (lower = safer)72/100
Affordability Index68/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Mount Annan at median house price

Standard transfer
$33,905
First Home Buyer
$12,714

Save $21,191

Foreign buyer surcharge
$70,000

+8% surcharge

Annual rent income
$33,800

$650/wk

Interest (80% LVR @ 6.5%)
-$45,500
Other expenses (~2.5%)
-$21,875
Net rental position
-$33,575

Negatively geared

Tax benefit (39% MTR)
+$13,094

Reduces taxable income

After-tax holding cost
$20,481/yr

~$394/week

Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.24M
Capital gain
$323,156
After discount
$161,578
CGT payable
$63,015

10-Year Hold

Est. value
$1.75M
Capital gain
$833,890
After discount
$416,945
CGT payable
$162,609

Investor Quick Summary

Entry cost (stamp duty)

$33,905

After-tax yield

2.32%

Weekly holding cost

$394/wk

10yr CGT (est.)

$162,609

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

15,200

Median Age

34

Median Income

$95K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 78%Units: 15%Townhouses: 7%Total: 5,800

Lifestyle & Community

Walkability65/100
Public Transport5/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

25

Parks

12

Hospitals

1

Distance to CBD

55.0 km

Nearest Station: Campbelltown Station

Family-oriented lifestyle with extensive parks, sporting facilities, quality schools, and the renowned botanic garden providing exceptional recreational opportunities for all ages.

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

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