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Ramsgate

NSW 2217LGA: Bayside Council

Investment Score

78

/100

AI Intelligence Summary

Ramsgate, NSW 2217 is a well-established beachside suburb in Sydney's St George region, offering an enviable coastal lifestyle just 15 minutes from Sydney Airport. This family-friendly community boasts direct access to Botany Bay beaches, creating a relaxed seaside atmosphere while maintaining excellent connectivity to the CBD. The suburb features a diverse multicultural population with strong Greek and Lebanese communities, contributing to a vibrant local culture and dining scene. Housing stock consists primarily of older brick homes, townhouses, and select new developments, appealing to families seeking space and proximity to quality amenities. Rocky Point Road serves as the main commercial spine, offering established shopping strips and local services. The area benefits from multiple parks including Ramsgate Beach Reserve, creating excellent recreational opportunities. While lacking direct rail access, regular bus services and proximity to Kogarah and Rockdale stations provide reasonable transport options. The property market has shown consistent growth with strong demand driven by the suburb's coastal location, family appeal, and airport proximity. Recent infrastructure improvements in the broader St George area, combined with ongoing development potential, position Ramsgate as an attractive option for both owner-occupiers and investors seeking steady capital growth in a premium location.

Strengths

  • Prime beachside location with direct Botany Bay access
  • Strong multicultural community with established amenities
  • Excellent proximity to Sydney Airport (15-20 minutes)
  • Family-friendly environment with quality parks and recreation

Opportunities

  • Ongoing St George infrastructure improvements
  • Potential for medium-density development
  • Growing demand for coastal lifestyle properties
  • Airport proximity attracting business travelers

Considerations

  • Limited direct rail access requiring bus connections
  • Higher property prices due to coastal premium
  • Potential airport noise for some areas
  • Competition for quality rental properties

Property Market

Median House

$1.45M

+10.0% 1yr

Median Unit

$780K

+8.0% 1yr

Median Townhouse

$1.15M

Rent (House)

$1,050/wk

Rent (Unit)

$680/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+10.0%+28.0%+45.0%
Unit+8.0%+24.0%+38.0%

Rental Yields

House Yield

3.8%

Unit Yield

4.5%

Townhouse Yield

4.0%

Investment Scorecard

Overall Investment Score78/100
Growth Potential75/100
Cashflow Score72/100
Risk Score (lower = safer)72/100
Affordability Index52/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Ramsgate at median house price

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

+8% surcharge

Annual rent income
$54,600

$1050/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$57,050

Negatively geared

Tax benefit (39% MTR)
+$22,250

Reduces taxable income

After-tax holding cost
$34,801/yr

~$669/week

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

5-Year Hold

Est. value
$2.23M
Capital gain
$711,615
After discount
$355,807
CGT payable
$138,765

10-Year Hold

Est. value
$3.43M
Capital gain
$1.91M
After discount
$956,644
CGT payable
$373,091

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

2.32%

Weekly holding cost

$669/wk

10yr CGT (est.)

$373,091

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

4,200

Median Age

42

Median Income

$85K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 65%Units: 28%Townhouses: 7%Total: 1,680

Lifestyle & Community

Walkability72/100
Public Transport6/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

18

Parks

8

Hospitals

1

Distance to CBD

18.0 km

Nearest Station: Kogarah Station

Relaxed beachside lifestyle with excellent recreational facilities, local festivals, established shopping strips, and easy access to both natural amenities and urban conveniences.

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Data sourced from multiple sources. Last updated 29 March 2026.

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