All Suburbs

Plumpton

NSW 2761LGA: Blacktown City

Investment Score

78

/100

AI Intelligence Summary

Plumpton, NSW 2761, is a growing suburban community located in Sydney's Greater Western region, approximately 45 kilometers from the CBD. With a population of around 8,500 residents, this family-oriented suburb offers a blend of affordability and accessibility that appeals to first-home buyers, young families, and investors seeking growth potential. The area features a mix of established homes and newer developments, with median house prices at $850,000 and units at $620,000, positioning it as a more accessible entry point compared to inner-ring suburbs. The lifestyle in Plumpton centers around community living with good local amenities. The walkability score of 65 indicates reasonable pedestrian access to local shops, parks, and services, while the suburb benefits from proximity to Blacktown and Mount Druitt for major shopping and entertainment options. With a schools rating of 7.0, families have access to quality educational facilities, making it an attractive option for those prioritizing education. The safety rating of 7.0 further enhances its family-friendly appeal. From an investment perspective, Plumpton presents compelling metrics. The investment score of 78 and exceptional growth score of 82 suggest strong capital appreciation potential, driven by ongoing infrastructure development in Western Sydney, including the upcoming Western Sydney Airport and associated employment hubs. The rental yield of 4.2% is notably strong for the Sydney market, while the low vacancy rate of 1.8% indicates consistent rental demand. The median household income of $75,000 reflects a working-class demographic with stable employment. While the 45-kilometer distance from the CBD means longer commutes for city workers, improved transport links and the decentralization of employment opportunities in Western Sydney are gradually reducing this disadvantage. The suburb's position in a high-growth corridor makes it particularly attractive for investors with a medium to long-term outlook, especially those seeking to capitalize on the transformation of Sydney's west into a major economic hub.

Strengths

  • Exceptional growth score of 82 indicating strong capital appreciation potential in a developing corridor
  • Strong rental yield of 4.2% combined with low vacancy rate of 1.8% ensuring consistent rental income
  • Affordable entry point with median house price of $850,000, accessible for first-home buyers and investors
  • Good walkability score of 65 and solid schools rating of 7.0 appealing to families

Opportunities

  • Western Sydney Airport development creating significant employment opportunities and infrastructure upgrades nearby
  • Continued population growth in Western Sydney driving sustained housing demand and rental requirements
  • Potential for above-average capital growth as the area transitions into a major economic hub with improved connectivity

Considerations

  • Distance of 45 kilometers from Sydney CBD resulting in longer commute times for city workers
  • Limited public transport options compared to inner suburbs requiring car dependency
  • Developing area amenities may not match the sophistication of more established suburbs

Property Market

Median House

$850K

+12.5% 1yr

Median Unit

$620K

+10.2% 1yr

Median Townhouse

$720K

Rent (House)

$680/wk

Rent (Unit)

$480/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+12.5%+28.0%+45.0%
Unit+10.2%+24.5%+38.0%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.5%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score72/100
Risk Score (lower = safer)65/100
Affordability Index72/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Plumpton at median house price

Standard transfer
$32,780
First Home Buyer
$8,195

Save $24,585

Foreign buyer surcharge
$68,000

+8% surcharge

Annual rent income
$35,360

$680/wk

Interest (80% LVR @ 6.5%)
-$44,200
Other expenses (~2.5%)
-$21,250
Net rental position
-$30,090

Negatively geared

Tax benefit (39% MTR)
+$11,735

Reduces taxable income

After-tax holding cost
$18,355/yr

~$353/week

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

5-Year Hold

Est. value
$1.31M
Capital gain
$420,800
After discount
$210,400
CGT payable
$82,056

10-Year Hold

Est. value
$2.01M
Capital gain
$1.13M
After discount
$562,615
CGT payable
$219,420

Investor Quick Summary

Entry cost (stamp duty)

$32,780

After-tax yield

2.56%

Weekly holding cost

$353/wk

10yr CGT (est.)

$219,420

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

8,500

Median Age

32

Median Income

$75K

per annum

Family Households

68.0%

Professionals

35.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 75%Units: 15%Townhouses: 10%Total: 2,850

Lifestyle & Community

Walkability65/100
Public Transport8/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

15

Parks

8

Hospitals

1

Distance to CBD

45.0 km

Nearest Station: Plumpton Station

Suburban family lifestyle with modern conveniences, parks, and good transport connectivity

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Data sourced from multiple sources. Last updated 15 April 2026.

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