All Suburbs

Ropes Crossing

NSW 2760LGA: City of Penrith

Investment Score

76

/100

AI Intelligence Summary

Ropes Crossing, NSW 2760, is a suburban area that offers a balanced lifestyle, market position, and investment outlook. With a median house price of $785,000 and median unit price of $520,000, the suburb presents a relatively affordable option for homebuyers and investors compared to other areas in NSW. The population of 8,500 residents enjoys a walkability score of 65, indicating a moderately walkable environment with access to local amenities. The schools rating of 7 out of 10 and safety rating of 8 out of 10 contribute to the suburb's appeal to families and individuals seeking a secure and decent education system. Although located 48 kilometers from the CBD, the investment score of 76 and growth potential of 82 suggest a promising outlook for investors, with a rental yield of 3.8% for houses and a low vacancy rate of 1.8%. The median income of $82,000 reflects a stable economic foundation. Overall, Ropes Crossing combines lifestyle, affordability, and investment potential, making it an attractive choice for various demographics. Its position in the market is characterized by steady growth and a relatively low vacancy rate, which is favorable for landlords and property investors. The suburb's outlook for investment is positive, driven by its growth potential and the demand for housing in the area. As the suburb continues to evolve, it is likely to see improvements in infrastructure and amenities, further enhancing its appeal to residents and investors alike.

Strengths

  • Affordable median house and unit prices compared to other NSW suburbs
  • Moderately walkable environment with access to local amenities
  • Decent schools rating and high safety rating, appealing to families
  • Promising investment outlook with a high growth potential and rental yield

Opportunities

  • Growing demand for housing, driven by the suburb's affordability and lifestyle appeal
  • Potential for infrastructure development and improvement, enhancing the suburb's liveability and attractiveness
  • Opportunities for investors to capitalize on the suburb's growth potential and rental yield
  • Scope for urban renewal and regeneration projects, revitalizing underutilized areas and boosting local economic activity

Considerations

  • Distance of 48 kilometers from the CBD, potentially limiting job opportunities and requiring longer commutes
  • Limited public transportation options, which could affect residents without vehicles
  • Potential for oversupply of housing in the future, affecting property values and rental yields
  • Need for improvement in local infrastructure to support growing population demands

Property Market

Median House

$785K

+8.2% 1yr

Median Unit

$520K

+6.8% 1yr

Median Townhouse

$680K

Rent (House)

$575/wk

Rent (Unit)

$450/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.2%+24.5%+42.8%
Unit+6.8%+22.1%+38.5%

Rental Yields

House Yield

3.8%

Unit Yield

4.5%

Townhouse Yield

4.1%

Investment Scorecard

Overall Investment Score76/100
Growth Potential82/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Ropes Crossing at median house price

Standard transfer
$29,855
First Home Buyer
Exempt

Save $29,855

Foreign buyer surcharge
$62,800

+8% surcharge

Annual rent income
$29,900

$575/wk

Interest (80% LVR @ 6.5%)
-$40,820
Other expenses (~2.5%)
-$19,625
Net rental position
-$30,545

Negatively geared

Tax benefit (39% MTR)
+$11,913

Reduces taxable income

After-tax holding cost
$18,632/yr

~$358/week

Based on 8.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.18M
Capital gain
$364,858
After discount
$182,429
CGT payable
$71,147

10-Year Hold

Est. value
$1.78M
Capital gain
$965,931
After discount
$482,966
CGT payable
$188,357

Investor Quick Summary

Entry cost (stamp duty)

$29,855

After-tax yield

2.32%

Weekly holding cost

$358/wk

10yr CGT (est.)

$188,357

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

33

Median Income

$82K

per annum

Family Households

68.0%

Professionals

38.0%

University Educated

32.0%

Unemployment

4.2%

Born Overseas

45.0%

Dwelling Mix

Houses: 72%Units: 8%Townhouses: 20%Total: 3,200

Lifestyle & Community

Walkability65/100
Public Transport5/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

15

Parks

8

0
Distance to CBD

48.0 km

Nearest Station: Mount Druitt Station

Family-focused lifestyle with extensive recreational facilities, modern shopping amenities, and strong community connections in a master-planned environment

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Data sourced from multiple sources. Last updated 17 April 2026.

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