All Suburbs

Parramatta

NSW 2150LGA: City of Parramatta

Investment Score

84

/100

Property Market

Median House

$1.45M

+9.2% 1yr

Median Unit

$620K

+7.8% 1yr

Rent (House)

$975/wk

Rent (Unit)

$572/wk

Days on Market

22

Vacancy Rate

2.8%

Auction Clearance

68.5%

Price Growth

Type1 Year3 Year5 Year
House+9.2%+38.5%
Unit+7.8%+28.2%

Rental Yields

House Yield

3.5%

Unit Yield

4.8%

Investment Scorecard

Overall Investment Score84/100
Growth Potential90/100
Cashflow Score72/100
Risk Score (lower = safer)70/100
Affordability Index45/100

Tax & Financial Intelligence

CPA-grade analysis for Parramatta at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$50,700

$975/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$60,950

Negatively geared

Tax benefit (39% MTR)
+$23,771

Reduces taxable income

After-tax holding cost
$37,180/yr

~$715/week

Based on 7.7% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.10M
Capital gain
$581,709
After discount
$290,855
CGT payable
$113,433

10-Year Hold

Est. value
$3.04M
Capital gain
$1.53M
After discount
$762,587
CGT payable
$297,409

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

2.13%

Weekly holding cost

$715/wk

10yr CGT (est.)

$297,409

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

32,200

Median Age

32

Median Income

$62K

per annum

Lifestyle & Community

Walkability85/100
Public Transport90/10
Schools Rating75/10

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Data sourced from multiple sources. Last updated 11 April 2026.

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