All Suburbs

North Rocks

NSW 2151LGA: City of Parramatta

Investment Score

78

/100

AI Intelligence Summary

North Rocks presents as an established, family-oriented suburb in Sydney's Hills District, offering a compelling blend of residential amenity and investment potential. With a median house price of $1,650,000, the suburb positions itself in the premium mid-market segment, attracting affluent families seeking quality education and a safe community environment. The population of 4,200 enjoys a median income of $98,000, reflecting the area's professional demographic. The suburb's excellent schools rating of 8.0/10 and matching safety rating of 8.0/10 underscore its appeal to families prioritizing education and security. Located 25km from the CBD, North Rocks offers a reasonable commute while maintaining a suburban lifestyle characterized by leafy streets and established homes. The walkability score of 65.0/100 indicates moderate pedestrian accessibility, with residents having access to local amenities while remaining car-dependent for many activities. From an investment perspective, North Rocks demonstrates solid fundamentals with an investment score of 78.0/100 and growth potential of 75.0/100. The rental yield of 3.2% for houses is typical for established Sydney suburbs in this price bracket, while the low vacancy rate of 1.8% signals strong rental demand and market stability. The unit market at $850,000 provides an accessible entry point for investors and downsizers. The suburb's position in the Hills District benefits from ongoing infrastructure development and the area's reputation as a family-friendly enclave, suggesting continued capital growth prospects supported by consistent demand from owner-occupiers and investors alike.

Strengths

  • Exceptional schools rating of 8.0/10 attracting education-focused families and supporting long-term property demand
  • High safety rating of 8.0/10 providing peace of mind for families and enhancing suburb desirability
  • Strong investment score of 78.0/100 indicating solid fundamentals and market confidence
  • Very low vacancy rate of 1.8% demonstrating consistent rental demand and market stability

Opportunities

  • Growth potential of 75.0/100 suggesting continued capital appreciation in the medium term
  • Low vacancy rate of 1.8% enabling investors to capitalize on strong rental demand with minimal void periods
  • Unit market at $850,000 offering accessible entry point for first-time investors and downsizers
  • Hills District infrastructure development and population growth driving ongoing demand

Considerations

  • Premium median house price of $1,650,000 creating affordability barriers for first-home buyers
  • Modest rental yield of 3.2% limiting immediate cash flow returns for property investors
  • Distance of 25km from CBD resulting in longer commute times and car dependency
  • Moderate walkability score indicating limited public transport options and pedestrian infrastructure

Property Market

Median House

$1.65M

+8.5% 1yr

Median Unit

$850K

+6.2% 1yr

Median Townhouse

$1.20M

Rent (House)

$1,050/wk

Rent (Unit)

$670/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+45.0%
Unit+6.2%+18.5%+38.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.6%

Investment Scorecard

Overall Investment Score78/100
Growth Potential75/100
Cashflow Score65/100
Risk Score (lower = safer)72/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for North Rocks at median house price

Standard transfer
$73,140
First Home Buyer
$73,140
Foreign buyer surcharge
$132,000

+8% surcharge

Annual rent income
$54,600

$1050/wk

Interest (80% LVR @ 6.5%)
-$85,800
Other expenses (~2.5%)
-$41,250
Net rental position
-$72,450

Negatively geared

Tax benefit (39% MTR)
+$28,256

Reduces taxable income

After-tax holding cost
$44,195/yr

~$850/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.54M
Capital gain
$807,340
After discount
$403,670
CGT payable
$157,431

10-Year Hold

Est. value
$3.91M
Capital gain
$2.17M
After discount
$1.09M
CGT payable
$424,078

Investor Quick Summary

Entry cost (stamp duty)

$73,140

After-tax yield

1.95%

Weekly holding cost

$850/wk

10yr CGT (est.)

$424,078

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

4,200

Median Age

42

Median Income

$98K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.8%

Born Overseas

38.0%

Dwelling Mix

Houses: 75%Units: 18%Townhouses: 7%Total: 1,680

Lifestyle & Community

Walkability65/100
Public Transport6/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

12

Parks

6

Hospitals

1

Distance to CBD

25.0 km

Nearest Station: Carlingford Station

Family-focused lifestyle with excellent schools, parks, local shopping, and community sporting facilities. The area offers a suburban feel with convenient access to major centres and good recreational opportunities for all ages.

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Data sourced from multiple sources. Last updated 15 April 2026.

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