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Razorback

NSW 2571LGA: Wollondilly Shire

Investment Score

72

/100

AI Intelligence Summary

Razorback is a rural locality in NSW's Wollondilly Shire, approximately 65km southwest of Sydney CBD. This equestrian-focused community consists primarily of large acreage properties ranging from 2-40+ hectares, attracting affluent families seeking a rural lifestyle while maintaining access to Sydney's employment opportunities. The area has experienced steady growth driven by tree-change migration, particularly post-COVID, with residents valuing the peaceful, semi-rural environment and strong community networks. Property values reflect the premium rural lifestyle offering, with median house prices ranging $1.8-2.5 million. The community is car-dependent with limited public transport, requiring residents to travel to Camden or Picton for most services. Infrastructure is improving with better NBN coverage, though mobile reception remains variable. The area appeals to professionals and families with higher incomes who prioritize space, privacy, and rural pursuits over urban convenience. Strong demand for horse agistment and rural lifestyle properties continues to drive interest from Sydney's outer metropolitan buyers.

Strengths

  • Premium rural lifestyle with large acreage properties
  • Strong equestrian and rural community culture
  • Proximity to Camden and Picton for essential services
  • Growing appeal for tree-change buyers from Sydney

Opportunities

  • Continued tree-change migration from Sydney
  • Infrastructure improvements planned for Western Sydney
  • Growing demand for rural lifestyle properties
  • Potential for boutique rural businesses

Considerations

  • Limited local commercial amenities and services
  • Car dependency with minimal public transport
  • Variable mobile and internet connectivity
  • Long commute times to Sydney CBD

Property Market

Median House

$2.15M

+8.5% 1yr

Rent (House)

$1,200/wk

Days on Market

85

Vacancy Rate

1.2%

Auction Clearance

65.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.6%

Rental Yields

House Yield

2.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential78/100
Cashflow Score58/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Razorback at median house price

Standard transfer
$100,640
First Home Buyer
$100,640
Foreign buyer surcharge
$172,000

+8% surcharge

Annual rent income
$62,400

$1200/wk

Interest (80% LVR @ 6.5%)
-$111,800
Other expenses (~2.5%)
-$53,750
Net rental position
-$103,150

Negatively geared

Tax benefit (39% MTR)
+$40,229

Reduces taxable income

After-tax holding cost
$62,922/yr

~$1,210/week

Based on 9.1% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$3.33M
Capital gain
$1.06M
After discount
$532,451
CGT payable
$207,656

10-Year Hold

Est. value
$5.15M
Capital gain
$2.88M
After discount
$1.44M
CGT payable
$562,527

Investor Quick Summary

Entry cost (stamp duty)

$100,640

After-tax yield

1.71%

Weekly holding cost

$1210/wk

10yr CGT (est.)

$562,527

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

850

Median Age

44

Median Income

$125K

per annum

Family Households

82.0%

Professionals

65.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 98%Units: 1%Townhouses: 1%Total: 320

Lifestyle & Community

Walkability20/100
Public Transport2/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

1

Parks

2

0
Distance to CBD

65.0 km

Nearest Station: Campbelltown Station

Rural lifestyle with horse agistment, hobby farming, peaceful environment, community events, and outdoor recreation opportunities on private properties.

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

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