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Seven Hills

NSW 2147LGA: Blacktown City

Investment Score

72

/100

AI Intelligence Summary

Located approximately 32 kilometers west of the Sydney central business district, Seven Hills in NSW offers a unique blend of urban and suburban living. With a median house price of $780,000 and median unit price of $520,000, the area presents a relatively affordable option for those looking to enter the Sydney property market. The suburb boasts a population of 12,500 residents, with a median income of $68,000, indicating a diverse and thriving community. Seven Hills enjoys a walkability score of 62, suggesting that residents can easily access local amenities and services on foot. While the schools rating of 6.0 and safety rating of 7.0 may not be the highest, the area's investment score of 72 and growth potential of 75 out of 100 make it an attractive option for investors. The rental yield for houses is 4.2%, and the vacancy rate is a low 1.8%, further solidifying its investment potential. Overall, Seven Hills presents a compelling lifestyle and investment opportunity, balancing affordability, community, and potential for growth.

Strengths

  • Affordable housing options
  • Diverse and thriving community
  • Convenient access to local amenities
  • Strong investment potential

Opportunities

  • Renovation and development opportunities for existing properties
  • Potential for increased rental yields due to low vacancy rates
  • Growing demand for housing in the area due to its relative affordability

Considerations

  • Limited access to high-rated schools
  • Moderate safety concerns
  • Relatively distant from the Sydney CBD

Property Market

Median House

$780K

+8.2% 1yr

Median Unit

$520K

+6.8% 1yr

Median Townhouse

$650K

Rent (House)

$630/wk

Rent (Unit)

$510/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+8.2%+18.5%+35.2%
Unit+6.8%+15.2%+28.5%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.6%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score68/100
Risk Score (lower = safer)65/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Seven Hills at median house price

Stamp Duty Estimate
Standard transfer
$29,630
First Home Buyer
Exempt

Save $29,630

Foreign buyer surcharge
$62,400

+8% surcharge

Negative Gearing Position
Annual rent income
$32,760

$630/wk

Interest (80% LVR @ 6.5%)
-$40,560
Other expenses (~2.5%)
-$19,500
Net rental position
-$27,300

Negatively geared

Tax benefit (39% MTR)
+$10,647

Reduces taxable income

After-tax holding cost
$16,653/yr

~$320/week

Land Tax Exposure
Est. land value
$468,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $7,188

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 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.10M
Capital gain
$282,507
After discount
$141,253
CGT payable
$55,089

10-Year Hold

Est. value
$1.54M
Capital gain
$726,594
After discount
$363,297
CGT payable
$141,686

Investor Quick Summary

Entry cost (stamp duty)

$29,630

After-tax yield

2.56%

Weekly holding cost

$320/wk

10yr CGT (est.)

$141,686

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

12,500

Median Age

32

Median Income

$68K

per annum

Family Households

62.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 68%Units: 22%Townhouses: 10%Total: 4,200

Lifestyle & Community

Walkability62/100
Public Transport7/10
Schools Rating6/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

28

Parks

8

Hospitals

2

Distance to CBD

32.0 km

Nearest Station: Seven Hills Station

Family-focused lifestyle with local parks, schools, diverse dining, and community facilities. Easy access to major shopping and recreational activities.

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Data sourced from multiple sources. Last updated 23 April 2026.

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