North St Marys
Investment Score
75
/100
AI Intelligence Summary
North St Marys is an affordable residential suburb in Greater Western Sydney, located within the City of Penrith local government area. The suburb offers excellent value for first home buyers and investors, with a diverse mix of older fibro homes and newer brick constructions. Its proximity to the Nepean River and parklands provides natural amenities, while being close to Penrith CBD ensures access to major shopping and entertainment. The area benefits from regular bus services and is positioned to gain from Western Sydney Airport development. With strong rental demand, competitive vacancy rates, and steady property value growth over recent years, North St Marys represents a solid entry point into the Sydney property market. The community is family-oriented with good local schools, childcare facilities, and recreational amenities including sports grounds. While transport connectivity relies primarily on bus services to reach St Marys railway station, the suburb's affordability and growth potential make it attractive to young professionals and families seeking value in the expanding Western Sydney region.
Strengths
- •Highly affordable entry point into Sydney property market
- •Close proximity to Nepean River and natural parklands
- •Strong rental demand with low vacancy rates
- •Family-friendly community with good local schools
Opportunities
- •Western Sydney Airport infrastructure development
- •Continued population growth in Greater Western Sydney
- •Government investment in transport infrastructure
- •First home buyer market expansion
Considerations
- •Limited direct rail connectivity requiring bus transfer
- •Perception as outer suburban location
- •Competition from other affordable Western Sydney suburbs
- •Distance from Sydney CBD for employment
Property Market
$720K
+7.2% 1yr
$485K
+6.8% 1yr
$650K
$650/wk
$485/wk
32
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +7.2% | +18.5% | +32.8% |
| Unit | +6.8% | +16.2% | +28.4% |
Rental Yields
House Yield
4.7%
Unit Yield
5.2%
Townhouse Yield
4.8%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for North St Marys at median house price
Save $26,930
+8% surcharge
$650/wk
Negatively geared
Reduces taxable income
~$254/week
Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$26,930
After-tax yield
2.87%
Weekly holding cost
$254/wk
10yr CGT (est.)
$118,685
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
4,200
34
$68K
per annum
58.0%
32.0%
28.0%
6.2%
45.0%
Dwelling Mix
Lifestyle & Community
8
6
1
58.0 km
Nearest Station: St Marys Station
Relaxed suburban lifestyle with access to natural amenities, local sports facilities, and community events
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Data sourced from multiple sources. Last updated 28 March 2026.