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St Ives Chase

NSW 2075LGA: Ku-ring-gai Council

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

Median House

$2.65M

+6.2% 1yr

Median Unit

$1.25M

+4.8% 1yr

Median Townhouse

$1.85M

Rent (House)

$1,450/wk

Rent (Unit)

$850/wk

Days on Market

28

Vacancy Rate

1.2%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 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

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score58/100
Risk Score (lower = safer)75/100
Affordability Index45/100

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
Standard transfer
$128,140
First Home Buyer
$128,140
Foreign buyer surcharge
$212,000

+8% surcharge

Negative Gearing Position
Annual rent income
$75,400

$1450/wk

Interest (80% LVR @ 6.5%)
-$137,800
Other expenses (~2.5%)
-$66,250
Net rental position
-$128,650

Negatively geared

Tax benefit (39% MTR)
+$50,174

Reduces taxable income

After-tax holding cost
$78,477/yr

~$1,509/week

Land Tax Exposure
Est. land value
$1.59M

~60% of median price

Individual threshold
$1,075,000

Annual: $8,340

Trust/company threshold
$25,000 (trust)

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

Est. value
$3.64M
Capital gain
$849,579
After discount
$424,789
CGT payable
$165,668

10-Year Hold

Est. value
$5.00M
Capital gain
$2.21M
After discount
$1.11M
CGT payable
$431,168

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

Population

1,850

Median Age

43

Median Income

$145K

per annum

Family Households

78.0%

Professionals

68.0%

University Educated

72.0%

Unemployment

3.2%

Born Overseas

42.0%

Dwelling Mix

Houses: 88%Units: 8%Townhouses: 4%Total: 680

Lifestyle & Community

Walkability35/100
Public Transport4/10
Schools Rating9/10
Safety9/10
Family Friendly10/10
Cafes & Restaurants

8

Parks

12

Hospitals

1

Distance to CBD

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.

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