All Suburbs

Pymble

NSW 2073LGA: Ku-ring-gai Council

Investment Score

78

/100

AI Intelligence Summary

Pymble is one of Sydney's most prestigious Upper North Shore suburbs, renowned for its excellent educational facilities, family-friendly environment, and strong property values. The suburb attracts affluent professionals and families seeking quality lifestyle amenities, including the prestigious Pymble Ladies' College, well-regarded public schools, and proximity to Ku-ring-gai Chase National Park. With excellent transport links via Pymble Railway Station and the Pacific Highway, residents enjoy convenient access to Sydney CBD while maintaining a peaceful suburban lifestyle. The property market remains robust, supported by limited land supply, strong school catchments, and consistent demand from families. Pymble offers a mix of heritage homes and modern family residences, with the local village providing quality shopping and dining options. The suburb's mature tree-lined streets, recreational facilities including Pymble Golf Club, and active community groups contribute to its desirability. Future infrastructure improvements and potential metro connections position Pymble for continued growth and appeal among Sydney's premium residential markets.

Strengths

  • Prestigious educational facilities including Pymble Ladies' College
  • Excellent public and private school catchments
  • Strong property values and market resilience
  • Convenient transport links to Sydney CBD via rail and major roads

Opportunities

  • Potential metro connections enhancing transport accessibility
  • Ongoing infrastructure improvements for traffic management
  • Development of modern family housing to meet demand
  • Enhancement of local shopping and dining precincts

Considerations

  • High property prices limiting affordability for first-time buyers
  • Limited land supply constraining housing options
  • Traffic congestion during peak hours on major arterial roads
  • Competition for school placements in sought-after institutions

Property Market

Median House

$2.85M

+8.5% 1yr

Median Unit

$1.25M

+6.8% 1yr

Median Townhouse

$1.95M

Rent (House)

$1,550/wk

Rent (Unit)

$1,000/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.3%+38.7%
Unit+6.8%+18.5%+32.4%

Rental Yields

House Yield

2.8%

Unit Yield

4.2%

Townhouse Yield

3.1%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score65/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Pymble at median house price

Standard transfer
$139,140
First Home Buyer
$139,140
Foreign buyer surcharge
$228,000

+8% surcharge

Annual rent income
$80,600

$1550/wk

Interest (80% LVR @ 6.5%)
-$148,200
Other expenses (~2.5%)
-$71,250
Net rental position
-$138,850

Negatively geared

Tax benefit (39% MTR)
+$54,152

Reduces taxable income

After-tax holding cost
$84,699/yr

~$1,629/week

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

5-Year Hold

Est. value
$4.14M
Capital gain
$1.13M
After discount
$567,016
CGT payable
$221,136

10-Year Hold

Est. value
$6.01M
Capital gain
$3.00M
After discount
$1.50M
CGT payable
$585,588

Investor Quick Summary

Entry cost (stamp duty)

$139,140

After-tax yield

1.71%

Weekly holding cost

$1629/wk

10yr CGT (est.)

$585,588

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

8,500

Median Age

42

Median Income

$165K

per annum

Family Households

68.0%

Professionals

58.0%

University Educated

52.0%

Unemployment

3.2%

Born Overseas

38.0%

Dwelling Mix

Houses: 75%Units: 18%Townhouses: 7%Total: 3,200

Lifestyle & Community

Walkability72/100
Public Transport8/10
Schools Rating9/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

25

Parks

12

Hospitals

1

Distance to CBD

22.0 km

Nearest Station: Pymble Station

Premium family lifestyle with excellent schools, recreational facilities, quality shopping, and easy access to national parkland and Sydney CBD

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

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