Ryde
Investment Score
75
/100
AI Intelligence Summary
Ryde (NSW 2112) is an established suburb with a population of 31,907 and a median age of 37 years. The property market shows mixed signals with house prices experiencing an 8.3% decline over 12 months to a median of $2.5 million, while unit prices have grown 14.5% to $698,750. The suburb has strong educational infrastructure with multiple public and private schools including Ryde Public School, Ryde Secondary College, and Holy Cross College. Recent sales activity shows significant variation in property values, from apartments selling around $665,000-$1.35 million to houses ranging from $2.175-$2.8 million. The area has 214 active real estate agencies and over 6,130 sales records, indicating an active property market despite recent house price corrections.
Strengths
- •Strong unit price growth of 14.5% annually
- •Established community with median age of 37
- •Comprehensive educational facilities from K-12
- •Active property market with 214 real estate agencies
Opportunities
- •Unit market showing strong growth potential
- •Diverse property portfolio for different buyer segments
- •Established suburb with potential for infrastructure development
- •Strong rental market with properties available from $380-$460 per week
Considerations
- •House prices declined 8.3% over 12 months
- •High median house price of $2.5 million affecting affordability
- •Some recent sales had prices withheld indicating market uncertainty
Property Market
$2.50M
-8.3% 1yr
$699K
+14.5% 1yr
$850/wk
$1,200/wk
42
54.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | -8.3% | — | — |
| Unit | +14.5% | — | — |
Rental Yields
Unit Yield
63.0%
Investment Scorecard
Tax & Financial Intelligence
CPA-grade analysis for Ryde at median house price
Stamp Duty Estimate
+8% surcharge
Negative Gearing Position
$850/wk
Negatively geared
Reduces taxable income
~$1,740/week
Land Tax Exposure
~60% of median price
Annual: $6,900
Annual: $23,700
CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.
CGT Projection
Based on 5.0% p.a. growth (assumed), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$119,890
After-tax yield
1.08%
Weekly holding cost
$1740/wk
10yr CGT (est.)
$280,770
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
31,907
37
51.0%
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Data sourced from multiple sources. Last updated 11 April 2026.
Data quality score: 56/100