Mount Vernon
Investment Score
72
/100
AI Intelligence Summary
Mount Vernon, NSW 2178 is a quiet suburban enclave in Western Sydney's Penrith Local Government Area, characterized by its semi-rural atmosphere and predominantly detached housing on larger blocks. This family-oriented suburb attracts residents seeking affordable housing options with more space compared to inner Sydney areas, while maintaining reasonable access to Penrith CBD and its amenities. The community reflects broader Western Sydney demographics with a mix of established Australian families and diverse migrant communities. Property values remain below the Sydney metropolitan average, making it attractive for first-home buyers and families seeking value. The suburb's car-dependent nature and limited local commercial facilities require residents to travel to nearby centers for shopping and services, though proximity to the Nepean River and recreational areas provides lifestyle benefits. Infrastructure development linked to broader Western Sydney projects may enhance future connectivity and property values.
Strengths
- •Affordable housing market with larger block sizes
- •Semi-rural character with quiet residential streets
- •Proximity to Penrith CBD and Westfield shopping centre
- •Access to Nepean River recreational areas
Opportunities
- •Western Sydney infrastructure development projects
- •Potential transport improvements and connectivity
- •Growing demand for affordable family housing
- •Development of local commercial facilities
Considerations
- •Limited local commercial and retail facilities
- •Car dependency with minimal public transport options
- •Distance from Sydney CBD and employment centers
- •Limited apartment/unit development options
Property Market
$785K
+4.2% 1yr
$485K
+3.8% 1yr
$620K
$635/wk
$475/wk
38
2.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +18.5% | +32.8% |
| Unit | +3.8% | +16.2% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Mount Vernon at median house price
Save $29,855
+8% surcharge
$635/wk
Negatively geared
Reduces taxable income
~$322/week
Based on 6.6% 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
$322/wk
10yr CGT (est.)
$129,304
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
1,850
37
$72K
per annum
68.0%
35.0%
28.0%
6.2%
35.0%
Dwelling Mix
Lifestyle & Community
3
5
1
58.0 km
Nearest Station: Penrith Station
Peaceful residential living with access to recreational areas, family-friendly environment, and proximity to Penrith amenities
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Data sourced from multiple sources. Last updated 28 March 2026.