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North Narrabeen

NSW 2101LGA: Northern Beaches

Investment Score

78

/100

AI Intelligence Summary

North Narrabeen is an exclusive beachside suburb on Sydney's Northern Beaches, renowned for its pristine coastline and relaxed coastal lifestyle. This small, tightly-held community offers direct beach access, proximity to Narrabeen Lagoon State Park, and a strong surf culture that attracts families and professionals seeking a premium beachside lifestyle. The suburb features a mix of original beach houses and modern renovated homes, with limited housing stock due to geographic constraints between the ocean and lagoon. Property values are consistently high, reflecting the premium location and strong demand from affluent families. The area is predominantly car-dependent with limited public transport, but residents enjoy excellent recreational amenities, quality local schooling at Narrabeen North Public School, and easy access to nearby shopping and services in Narrabeen and Warriewood. The community is characterized by above-average household incomes, professional occupations, and a family-oriented demographic that values the unique beachside environment and outdoor lifestyle opportunities.

Strengths

  • Direct beachfront access and pristine coastal location
  • Exclusive, tightly-held property market with limited supply
  • Strong community spirit and surf culture
  • Proximity to Narrabeen Lagoon State Park and recreational facilities

Opportunities

  • Continued property value appreciation due to supply constraints
  • Growing demand for beachside lifestyle properties
  • Potential for property renovations and improvements
  • Development of eco-tourism and water sports facilities

Considerations

  • Limited public transport connectivity
  • Car dependency for most daily activities
  • Higher cost of living and property prices
  • Limited local shopping and commercial services

Property Market

Median House

$2.85M

+8.5% 1yr

Median Unit

$1.65M

+6.8% 1yr

Median Townhouse

$2.20M

Rent (House)

$1,550/wk

Rent (Unit)

$1,100/wk

Days on Market

32

Vacancy Rate

1.2%

Auction Clearance

75.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.6%
Unit+6.8%+22.5%+38.2%

Rental Yields

House Yield

2.8%

Unit Yield

3.5%

Townhouse Yield

3.1%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score58/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for North Narrabeen 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 9.1% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$4.41M
Capital gain
$1.41M
After discount
$702,940
CGT payable
$274,147

10-Year Hold

Est. value
$6.82M
Capital gain
$3.82M
After discount
$1.91M
CGT payable
$744,558

Investor Quick Summary

Entry cost (stamp duty)

$139,140

After-tax yield

1.71%

Weekly holding cost

$1629/wk

10yr CGT (est.)

$744,558

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

1,850

Median Age

42

Median Income

$125K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 75%Units: 20%Townhouses: 5%Total: 720

Lifestyle & Community

Walkability65/100
Public Transport4/10
Schools Rating7/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

12

Hospitals

1

Distance to CBD

28.0 km

Nearest Station: Narrabeen

Premium beachside living with water sports, coastal walks, lagoon activities, and strong community connections centered around beach and outdoor recreation

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

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