South Penrith
Investment Score
72
/100
AI Intelligence Summary
South Penrith, a suburb in western Sydney, offers a mix of lifestyle and investment opportunities. With a median house price of $720,000 and a median unit price of $485,000, the area is more affordable compared to other parts of Sydney. The population of 3,200 residents enjoys a relatively quiet and suburban lifestyle, with a median income of $68,000. While the walkability score is 45, indicating a car-dependent lifestyle, the area has a schools rating of 6.0 and a safety rating of 7.0, making it a suitable choice for families. The distance to the CBD is 55 km, which may be a drawback for some, but the investment score of 72 and growth potential of 75 indicate a strong outlook for property investors. The rental yield for houses is 4.2%, and the vacancy rate is 2.1%, suggesting a stable rental market. Overall, South Penrith presents a balanced option for those seeking a suburban lifestyle and investment opportunities, with potential for long-term growth and returns.
Strengths
- •Affordable housing options compared to other Sydney suburbs
- •Relatively high investment score and growth potential
- •Stable rental market with low vacancy rate
- •Suitable for families with a decent schools rating
Opportunities
- •Potential for renovation or development of existing properties
- •Growing demand for affordable housing in western Sydney
- •Infrastructure developments or upgrades could increase property values
- •Opportunity for investors to capitalize on rental yield and growth potential
Considerations
- •Car-dependent lifestyle due to low walkability score
- •Distance to CBD may deter some buyers or renters
- •Limited amenities and services compared to other suburbs
- •Safety rating could be improved
Property Market
$720K
+6.8% 1yr
$485K
+5.2% 1yr
$650K
$580/wk
$475/wk
42
2.1%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +6.8% | +18.5% | +32.0% |
| Unit | +5.2% | +15.8% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for South Penrith at median house price
Stamp Duty Estimate
Save $26,930
+8% surcharge
Negative Gearing Position
$580/wk
Negatively geared
Reduces taxable income
~$297/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $6,612
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 6.4% 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)
$26,930
After-tax yield
2.56%
Weekly holding cost
$297/wk
10yr CGT (est.)
$114,733
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
3,200
33
$68K
per annum
62.0%
32.0%
28.0%
6.2%
48.0%
Dwelling Mix
Lifestyle & Community
12
8
1
55.0 km
Nearest Station: Penrith Station
Suburban family lifestyle with parks, recreational facilities, and proximity to Penrith's shopping and entertainment options
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Data sourced from multiple sources. Last updated 18 April 2026.