St Ives Chase
Investment Score
78
/100
AI Intelligence Summary
St Ives Chase (2075) is a tightly held, family-oriented North Shore pocket that sits firmly in the premium housing market. With a median house price of $2,650,000 and a median unit price of $1,250,000, the suburb appeals to higher-income buyers seeking space, privacy, and quality amenities rather than high-density living. Its population of 1,850 reinforces its quiet, low-turnover character, while a median income of $145,000 supports strong local purchasing power and resilience through market cycles. Lifestyle appeal is driven by excellent schools rated 9/10, a very strong safety rating of 9/10, and a leafy residential feel that attracts established families and professionals. Although the walkability score is modest at 35/100, this is typical of suburban enclaves where car dependence is accepted in exchange for larger homes, quieter streets, and a more exclusive environment. At 22km from Sydney CBD, St Ives Chase offers a manageable commute for city workers who prioritise liveability over inner-city convenience. From an investment perspective, the suburb presents a compelling balance of stability and growth. The investment score of 78/100 and growth potential of 82/100 suggest a market supported by strong owner-occupier demand, limited supply, and ongoing appeal to affluent family buyers. Rental yield for houses at 2.8% is modest, which is common in premium Sydney suburbs, but this is offset by the 1.2% vacancy rate that points to tight rental conditions and reliable tenant demand. Overall, St Ives Chase is best suited to investors and owner-occupiers focused on capital preservation, long-term growth, and blue-chip suburb fundamentals rather than immediate cash flow. Its combination of strong schools, safety, affluence, and scarcity positions it as a premium North Shore market with enduring appeal.
Strengths
- •Premium North Shore location with strong owner-occupier demand
- •Excellent school catchment quality with a 9/10 schools rating
- •Very safe suburb with a 9/10 safety rating
- •Strong household income base supporting housing demand
Opportunities
- •Strong growth potential of 82/100 supports long-term capital appreciation
- •Scarcity of housing in a small population suburb may help preserve values
- •Demand from families seeking top schools and a safe environment can underpin resale strength
- •Low vacancy conditions may provide stable leasing performance for well-presented homes
Considerations
- •High entry price point limits affordability for many buyers
- •House rental yield of 2.8% is relatively low for income-focused investors
- •Walkability is limited at 35/100, making car use more necessary
Property Market
$2.65M
+6.2% 1yr
$1.25M
+4.8% 1yr
$1.85M
$1,450/wk
$850/wk
28
1.2%
78.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +6.2% | +18.5% | +32.8% |
| Unit | +4.8% | +15.2% | +28.4% |
Rental Yields
House Yield
2.8%
Unit Yield
3.6%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 2.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for St Ives Chase at median house price
Stamp Duty Estimate
+8% surcharge
Negative Gearing Position
$1450/wk
Negatively geared
Reduces taxable income
~$1,509/week
Land Tax Exposure
~60% of median price
Annual: $8,340
Annual: $25,140
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 6.6% 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)
$128,140
After-tax yield
1.71%
Weekly holding cost
$1509/wk
10yr CGT (est.)
$431,168
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
1,850
43
$145K
per annum
78.0%
68.0%
72.0%
3.2%
42.0%
Dwelling Mix
Lifestyle & Community
8
12
1
22.0 km
Nearest Station: Gordon Station
Quiet suburban living with access to bushwalking, quality schools, local sporting clubs, and community groups. Family-friendly environment with emphasis on outdoor activities and community engagement.
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Data sourced from multiple sources. Last updated 27 April 2026.