All Suburbs

North Richmond

NSW 2754LGA: City of Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

North Richmond is a small rural town in the Hawkesbury region of NSW, offering a peaceful semi-rural lifestyle approximately 65km northwest of Sydney CBD. The suburb is characterized by predominantly detached houses on larger blocks, attracting families and older residents seeking an escape from metropolitan density while maintaining reasonable access to Sydney. The community benefits from proximity to the Hawkesbury River, Richmond RAAF Base, and the historic town of Richmond, providing employment and amenities. Property prices remain significantly below Sydney averages, making it an affordable option for first-home buyers and investors. The area features North Richmond Public School, local parks, and sporting facilities, though residents are largely car-dependent with limited public transport options. The suburb's rural zoning restricts high-density development, preserving its character while potentially limiting growth. With stable population growth and strong community atmosphere, North Richmond appeals to those prioritizing lifestyle over urban convenience, supported by NBN connectivity and access via Bells Line of Road.

Strengths

  • Affordable property prices well below Sydney metropolitan average
  • Rural lifestyle with larger block sizes and semi-rural character
  • Close-knit community atmosphere with strong local connections
  • Proximity to Hawkesbury River and natural recreational opportunities

Opportunities

  • Potential for lifestyle property development on larger blocks
  • Growing interest in regional living post-COVID
  • Tourism development leveraging river and rural attractions
  • Infrastructure improvements through regional development programs

Considerations

  • Limited public transport options requiring car dependency
  • Restricted local shopping and commercial amenities
  • Rural zoning limiting development and growth potential
  • Distance from major employment centers and CBD

Property Market

Median House

$750K

+4.2% 1yr

Median Unit

$485K

+3.8% 1yr

Rent (House)

$610/wk

Rent (Unit)

$475/wk

Days on Market

38

Vacancy Rate

2.1%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 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%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score75/100
Risk Score (lower = safer)65/100
Affordability Index78/100

Demand/Supply Ratio: 1.20

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for North Richmond at median house price

Standard transfer
$28,280
First Home Buyer
Exempt

Save $28,280

Foreign buyer surcharge
$60,000

+8% surcharge

Annual rent income
$31,720

$610/wk

Interest (80% LVR @ 6.5%)
-$39,000
Other expenses (~2.5%)
-$18,750
Net rental position
-$26,030

Negatively geared

Tax benefit (39% MTR)
+$10,152

Reduces taxable income

After-tax holding cost
$15,878/yr

~$305/week

Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.03M
Capital gain
$248,433
After discount
$124,216
CGT payable
$48,444

10-Year Hold

Est. value
$1.42M
Capital gain
$633,775
After discount
$316,887
CGT payable
$123,586

Investor Quick Summary

Entry cost (stamp duty)

$28,280

After-tax yield

2.56%

Weekly holding cost

$305/wk

10yr CGT (est.)

$123,586

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

$68K

per annum

Family Households

72.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

4.2%

Born Overseas

22.0%

Dwelling Mix

Houses: 88%Units: 8%Townhouses: 4%Total: 720

Lifestyle & Community

Walkability35/100
Public Transport3/10
Schools Rating6/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

3

Parks

4

0
Distance to CBD

65.0 km

Nearest Station: Richmond Station

Peaceful rural living with river access, outdoor recreation, and community events

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

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