All Suburbs

Naremburn

NSW 2065LGA: Willoughby City

Investment Score

78

/100

AI Intelligence Summary

Naremburn is an established residential suburb on Sydney's prestigious Lower North Shore, offering excellent proximity to the CBD while maintaining a quiet, family-oriented atmosphere. The suburb is characterized by quality detached homes, well-maintained streets, and strong community amenities including local parks and schools. With easy access to St Leonards train station and major bus routes, residents enjoy seamless connectivity to Sydney's business districts and North Shore commercial hubs like Crows Nest and Chatswood. The area attracts predominantly professional families and couples seeking a premium lifestyle with excellent educational opportunities and recreational facilities. Property values have shown consistent growth over the past decade, supported by limited housing stock and strong demand from owner-occupiers. The suburb benefits from excellent infrastructure, quality local amenities, and the broader appeal of Lower North Shore living, making it a highly sought-after address for both residents and investors.

Strengths

  • Prime Lower North Shore location with excellent CBD connectivity
  • Strong property value growth and market stability
  • Quality local schools and proximity to prestigious North Shore education
  • Well-maintained parks and recreational facilities

Opportunities

  • Continued infrastructure improvements across North Shore
  • Growing demand for quality family suburbs
  • Potential for medium-density development
  • Rental market growth from young professionals

Considerations

  • High property prices limiting affordability
  • Limited housing stock restricting buyer choice
  • Potential traffic congestion during peak periods
  • Higher cost of living compared to outer suburbs

Property Market

Median House

$2.85M

+8.5% 1yr

Median Unit

$1.45M

+6.8% 1yr

Median Townhouse

$2.20M

Rent (House)

$1,550/wk

Rent (Unit)

$980/wk

Days on Market

35

Vacancy Rate

1.2%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+18.2%+32.5%
Unit+6.8%+15.5%+28.3%

Rental Yields

House Yield

2.8%

Unit Yield

3.5%

Townhouse Yield

3.1%

Investment Scorecard

Overall Investment Score78/100
Growth Potential75/100
Cashflow Score65/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Naremburn at median house price

Standard transfer
$139,140
First Home Buyer
$139,140
Foreign buyer surcharge
$228,000

+8% surcharge

Annual rent income
$80,600

$1550/wk

Interest (80% LVR @ 6.5%)
-$148,200
Other expenses (~2.5%)
-$71,250
Net rental position
-$138,850

Negatively geared

Tax benefit (39% MTR)
+$54,152

Reduces taxable income

After-tax holding cost
$84,699/yr

~$1,629/week

Based on 6.5% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$3.90M
Capital gain
$901,357
After discount
$450,678
CGT payable
$175,765

10-Year Hold

Est. value
$5.35M
Capital gain
$2.35M
After discount
$1.17M
CGT payable
$457,558

Investor Quick Summary

Entry cost (stamp duty)

$139,140

After-tax yield

1.71%

Weekly holding cost

$1629/wk

10yr CGT (est.)

$457,558

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

2,850

Median Age

42

Median Income

$125K

per annum

Family Households

62.0%

Professionals

52.0%

University Educated

68.0%

Unemployment

3.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 72%Units: 25%Townhouses: 3%Total: 1,180

Lifestyle & Community

Walkability75/100
Public Transport8/10
Schools Rating9/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

8.0 km

Nearest Station: St Leonards Station

Relaxed suburban lifestyle with quality parks, local cafes, excellent schools, and easy access to North Shore shopping and entertainment precincts

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

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