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North Richmond

NSW 2754LGA: City of Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

North Richmond, NSW 2754, is a semi-rural suburb located approximately 65 km northwest of Sydney’s CBD. With a population of around 1,850, North Richmond offers a peaceful, community-oriented lifestyle that appeals to families, retirees, and those seeking a quieter alternative to city living. The suburb is characterised by its spacious properties, leafy streets, and proximity to the Hawkesbury River and Blue Mountains, making it ideal for outdoor enthusiasts and those who value natural surroundings. The local property market is relatively affordable compared to Sydney’s inner suburbs, with a median house price of $750,000 and a median unit price of $485,000. This affordability, combined with a solid rental yield of 4.2% and a low vacancy rate of 2.1%, makes North Richmond an attractive option for both homebuyers and investors. The suburb’s investment score of 72/100 and growth potential of 68/100 indicate steady demand and room for future capital appreciation, particularly as infrastructure and amenities continue to improve. North Richmond’s safety rating is notably high at 8.0/10, contributing to its appeal for families and those prioritising a secure environment. The area’s schools receive a moderate rating of 6.0/10, providing satisfactory educational options, though there is room for improvement. The median household income of $68,000 reflects a stable, middle-income demographic. While North Richmond offers a tranquil lifestyle, its walkability score of 35/100 suggests limited access to amenities on foot, and residents may rely on cars for daily needs. However, ongoing development and the suburb’s proximity to larger centres like Richmond and Windsor provide access to broader services and employment opportunities. Overall, North Richmond presents a balanced mix of lifestyle appeal, affordability, and investment potential, making it a suburb to watch for both owner-occupiers and investors.

Strengths

  • Affordable median house and unit prices compared to Sydney averages
  • High safety rating, fostering a secure community environment
  • Strong rental yield and low vacancy rate, appealing to investors
  • Proximity to natural attractions like the Hawkesbury River and Blue Mountains

Opportunities

  • Potential for capital growth as infrastructure and amenities expand
  • Appeal to renters and investors due to strong yields and low vacancy
  • Scope for improvement in local schools and services to attract more families

Considerations

  • Low walkability score, requiring reliance on private transport
  • Moderate school ratings, with room for educational improvement
  • Distance from Sydney CBD may limit access to some employment and cultural opportunities

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

Stamp Duty Estimate
Standard transfer
$28,280
First Home Buyer
Exempt

Save $28,280

Foreign buyer surcharge
$60,000

+8% surcharge

Negative Gearing Position
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

Land Tax Exposure
Est. land value
$450,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $6,900

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

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). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).

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 26 April 2026.

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