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Oxley Park

NSW 2760LGA: City of Penrith

Investment Score

76

/100

AI Intelligence Summary

Oxley Park, NSW 2760, presents itself as a solid and accessible entry point into the Western Sydney property market. With a median house price of $720,000 and units at $485,000, it offers relative affordability compared to inner-city counterparts, making it attractive to first-home buyers, young families, and investors seeking value. The suburb's population of 4,200 suggests a close-knit community feel, further supported by its above-average safety rating of 8.0/10 and decent school scores of 7.0/10, making it a viable option for those prioritising family-friendly environments. While its walkability score of 55.0/100 indicates a car-dependent lifestyle for most amenities, the investment outlook for Oxley Park is robust. An Investment Score of 76.0/100 and a Growth Score of 78.0/100 highlight its strong potential for capital appreciation. The healthy rental yield of 4.2% coupled with a low vacancy rate of 1.8% further reinforces its appeal to investors looking for stable returns and consistent tenant demand. Its considerable distance from the Sydney CBD (55.0km) positions it as a more suburban offering, catering to those who prefer a quieter pace of life with more space, potentially commuting for work or leisure. Overall, Oxley Park is a pragmatic choice for buyers and investors seeking an affordable, growing, and community-oriented suburb in Western Sydney.

Strengths

  • Affordable entry point into the Sydney market for houses and units.
  • Strong investment potential with high Investment and Growth Scores.
  • Attractive rental yield (4.2%) and low vacancy rate (1.8%) for investors.
  • Family-friendly environment with good safety rating and school scores.

Opportunities

  • Potential for further capital growth as Western Sydney develops.
  • Ideal for first-home buyers seeking affordability and a community feel.
  • Strong rental market provides consistent income for investors.
  • Infrastructure development in Western Sydney could improve connectivity.

Considerations

  • Lower walkability score indicates reliance on private transport.
  • Significant distance from the Sydney CBD may deter some commuters.
  • Limited high-end amenities compared to more established suburbs.

Property Market

Median House

$720K

+8.5% 1yr

Median Unit

$485K

+6.8% 1yr

Median Townhouse

$650K

Rent (House)

$580/wk

Rent (Unit)

$475/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+6.8%+18.5%+38.0%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.4%

Investment Scorecard

Overall Investment Score76/100
Growth Potential78/100
Cashflow Score72/100
Risk Score (lower = safer)68/100
Affordability Index68/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Oxley Park at median house price

Stamp Duty Estimate
Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+8% surcharge

Negative Gearing Position
Annual rent income
$30,160

$580/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$25,280

Negatively geared

Tax benefit (39% MTR)
+$9,859

Reduces taxable income

After-tax holding cost
$15,421/yr

~$297/week

Land Tax Exposure
Est. land value
$432,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $6,612

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

5-Year Hold

Est. value
$1.11M
Capital gain
$357,279
After discount
$178,640
CGT payable
$69,669

10-Year Hold

Est. value
$1.70M
Capital gain
$953,972
After discount
$476,986
CGT payable
$186,025

Investor Quick Summary

Entry cost (stamp duty)

$26,930

After-tax yield

2.56%

Weekly holding cost

$297/wk

10yr CGT (est.)

$186,025

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

32

Median Income

$78K

per annum

Family Households

68.0%

Professionals

35.0%

University Educated

28.0%

Unemployment

5.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 65%Units: 15%Townhouses: 20%Total: 1,650

Lifestyle & Community

Walkability55/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

4

Hospitals

1

Distance to CBD

55.0 km

Nearest Station: St Marys Station

Suburban family lifestyle with parks, local amenities, and community events

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Data sourced from multiple sources. Last updated 21 April 2026.

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