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North St Marys

NSW 2760LGA: City of Penrith

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

Median House

$720K

+7.2% 1yr

Median Unit

$485K

+6.8% 1yr

Median Townhouse

$650K

Rent (House)

$650/wk

Rent (Unit)

$485/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 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

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score72/100
Risk Score (lower = safer)72/100
Affordability Index72/100

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

Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+8% surcharge

Annual rent income
$33,800

$650/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$21,640

Negatively geared

Tax benefit (39% MTR)
+$8,440

Reduces taxable income

After-tax holding cost
$13,200/yr

~$254/week

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

5-Year Hold

Est. value
$989,244
Capital gain
$238,714
After discount
$119,357
CGT payable
$46,549

10-Year Hold

Est. value
$1.36M
Capital gain
$608,643
After discount
$304,321
CGT payable
$118,685

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

Population

4,200

Median Age

34

Median Income

$68K

per annum

Family Households

58.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

45.0%

Dwelling Mix

Houses: 78%Units: 16%Townhouses: 6%Total: 1,680

Lifestyle & Community

Walkability65/100
Public Transport6/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

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.

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