Shalvey
Investment Score
72
/100
AI Intelligence Summary
Shalvey, a suburb in New South Wales, presents a unique blend of affordability and potential for growth. With a median house price of $485,000 and median unit price of $385,000, it offers an attractive entry point for first-home buyers and investors alike. The suburb's population of 4,200 residents enjoys a relatively low cost of living, with a median income of $42,000. While the walkability score is moderate at 45.0/100, the area's schools rating of 6.0/10 and safety rating of 5.0/10 indicate room for improvement. However, its distance of 45.0 km from the CBD may appeal to those seeking a more laid-back lifestyle. From an investment perspective, Shalvey boasts an investment score of 72.0/100 and growth potential of 68.0/100, complemented by a rental yield of 5.2% for houses and a low vacancy rate of 1.8%. This suggests a promising outlook for investors seeking stable returns. Overall, Shalvey's balanced mix of lifestyle, market position, and investment potential makes it an intriguing consideration for those looking to enter the Australian real estate market.
Strengths
- •Affordable median house and unit prices
- •Attractive rental yields for investors
- •Low vacancy rate indicating stable demand for rentals
- •Potential for long-term growth and capital appreciation
Opportunities
- •Growth potential driven by infrastructure developments and urban sprawl
- •Renovation and redevelopment opportunities for existing properties
- •Increasing demand for affordable housing in the Sydney region
Considerations
- •Moderate walkability score limiting local amenities access
- •Room for improvement in schools and safety ratings
- •Distance from the CBD may deter some buyers and renters
Property Market
$485K
+4.2% 1yr
$385K
+3.8% 1yr
$445K
$485/wk
$430/wk
42
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +12.5% | +28.0% |
| Unit | +3.8% | +10.2% | +24.5% |
Rental Yields
House Yield
5.2%
Unit Yield
5.8%
Townhouse Yield
5.4%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Shalvey at median house price
Stamp Duty Estimate
Save $16,355
+8% surcharge
Negative Gearing Position
$485/wk
Negatively geared
Reduces taxable income
~$142/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $4,356
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 5.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$16,355
After-tax yield
3.17%
Weekly holding cost
$142/wk
10yr CGT (est.)
$64,848
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
4,200
31
$42K
per annum
68.0%
28.0%
18.0%
8.5%
48.0%
Dwelling Mix
Lifestyle & Community
8
5
1
45.0 km
Nearest Station: Mount Druitt Station
Family-oriented suburban lifestyle with access to parks, community programs, and cultural activities. Residents rely on nearby Mount Druitt for major shopping and entertainment.
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Data sourced from multiple sources. Last updated 19 April 2026.