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Pitt Town Bottoms

NSW 2756LGA: Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Pitt Town Bottoms is a small rural locality in NSW's Hawkesbury region, characterized by large acreage properties ranging from 1-20+ acres and a strong agricultural heritage. This car-dependent community offers a peaceful rural lifestyle with hobby farms and lifestyle properties, attracting residents seeking space and tranquility while maintaining reasonable access to Windsor, Richmond, and Sydney. The area features very low population density due to rural zoning, with properties typically utilizing bore water, rainwater tanks, and septic systems. Limited local amenities mean residents rely on nearby Pitt Town for primary schooling and commute to larger centers for services. The property market is influenced by lifestyle appeal and Sydney proximity, though sales are infrequent due to limited housing stock. Infrastructure includes rural road connections via Pitt Town Road and Cattai Ridge Road, with improving NBN coverage but no public transport services. The Hawkesbury River proximity provides natural recreation opportunities, making this an ideal location for those seeking rural residential living with agricultural pursuits while maintaining connectivity to urban employment centers.

Strengths

  • Large acreage properties offering space and privacy
  • Strong rural lifestyle appeal with agricultural heritage
  • Proximity to Hawkesbury River for recreation
  • Reasonable access to Windsor, Richmond and Sydney

Opportunities

  • Growing demand for rural lifestyle properties post-COVID
  • Potential for agricultural or hobby farming ventures
  • Tourism opportunities near Hawkesbury River
  • Improved telecommunications enabling remote work

Considerations

  • Limited local commercial amenities and services
  • Car dependency due to no public transport
  • Infrequent property sales limiting market liquidity
  • Rural infrastructure limitations (bore water, septic systems)

Property Market

Median House

$1.25M

+4.2% 1yr

Rent (House)

$680/wk

Days on Market

85

Vacancy Rate

1.2%

Auction Clearance

65.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+32.8%

Rental Yields

House Yield

2.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential68/100
Cashflow Score55/100
Risk Score (lower = safer)62/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Pitt Town Bottoms at median house price

Standard transfer
$51,140
First Home Buyer
$51,140
Foreign buyer surcharge
$100,000

+8% surcharge

Annual rent income
$35,360

$680/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$60,890

Negatively geared

Tax benefit (39% MTR)
+$23,747

Reduces taxable income

After-tax holding cost
$37,143/yr

~$714/week

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

5-Year Hold

Est. value
$1.72M
Capital gain
$410,048
After discount
$205,024
CGT payable
$79,959

10-Year Hold

Est. value
$2.36M
Capital gain
$1.05M
After discount
$526,142
CGT payable
$205,196

Investor Quick Summary

Entry cost (stamp duty)

$51,140

After-tax yield

1.71%

Weekly holding cost

$714/wk

10yr CGT (est.)

$205,196

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

180

Median Age

44

Median Income

$95K

per annum

Family Households

68.0%

Professionals

52.0%

University Educated

38.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 95%Units: 3%Townhouses: 2%Total: 65

Lifestyle & Community

Walkability25/100
Public Transport1/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

1

Parks

3

0
Distance to CBD

58.0 km

Nearest Station: Windsor Station

Rural lifestyle with large properties, agricultural pursuits, river recreation, and peaceful country living

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Data sourced from multiple sources. Last updated 28 March 2026.

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