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Pemulwuy

NSW 2145LGA: Cumberland Council

Investment Score

8

/100

AI Intelligence Summary

Pemulwuy, NSW 2145, is a modern and family-friendly suburb with strong community appeal. The property market has shown steady growth, particularly in house prices, with solid rental yields. The suburb offers excellent amenities, including parks, schools, and shopping centres, making it attractive to families and professionals.

Strengths

  • Family-friendly environment
  • Proximity to parks and recreation
  • Strong rental yields
  • Modern housing stock

Opportunities

  • Urban renewal projects
  • Improved public transport
  • Growing demand for family homes
  • Potential for new retail developments

Considerations

  • Limited train station access
  • Moderate property prices
  • Potential for increased traffic congestion

Property Market

Median House

$1.10M

+3.5% 1yr

Median Unit

$750K

+2.0% 1yr

Median Townhouse

$900K

Rent (House)

$650/wk

Rent (Unit)

$450/wk

Days on Market

37

Vacancy Rate

2.5%

Auction Clearance

70.0%

Price Growth

Type1 Year3 Year5 Year
House+3.5%+15.0%+25.0%
Unit+2.0%+10.0%+18.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.0%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score8/100
Growth Potential7/100
Cashflow Score7/100
Risk Score (lower = safer)96/100
Affordability Index7/100

Demand/Supply Ratio: 8.00

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Pemulwuy at median house price

Standard transfer
$44,030
First Home Buyer
$44,030
Foreign buyer surcharge
$88,000

+8% surcharge

Annual rent income
$33,800

$650/wk

Interest (80% LVR @ 6.5%)
-$57,200
Other expenses (~2.5%)
-$27,500
Net rental position
-$50,900

Negatively geared

Tax benefit (39% MTR)
+$19,851

Reduces taxable income

After-tax holding cost
$31,049/yr

~$597/week

Based on 5.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.40M
Capital gain
$254,380
After discount
$127,190
CGT payable
$49,604

10-Year Hold

Est. value
$1.79M
Capital gain
$642,254
After discount
$321,127
CGT payable
$125,240

Investor Quick Summary

Entry cost (stamp duty)

$44,030

After-tax yield

1.95%

Weekly holding cost

$597/wk

10yr CGT (est.)

$125,240

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

5,500

Median Age

34

Median Income

$95K

per annum

Family Households

75.0%

Professionals

35.0%

University Educated

40.0%

Unemployment

5.5%

Born Overseas

45.0%

Dwelling Mix

Houses: 60%Units: 30%Townhouses: 10%Total: 2,000

Lifestyle & Community

Walkability7/100
Public Transport7/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

15

Parks

10

Hospitals

1

Distance to CBD

30.0 km

Nearest Station: Pendle Hill Station

The suburb offers a balanced lifestyle with access to green spaces, shopping, and dining options, making it ideal for families and working professionals.

Infrastructure & Development

Improved public transport links and additional community facilities.

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Data sourced from Expert knowledge of Australian suburbs, Historical property market trends, Demographic and census data. Last updated 24 March 2026.

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