St Ives
Investment Score
78
/100
AI Intelligence Summary
St Ives is a prestigious Upper North Shore suburb located 18km north of Sydney CBD, renowned for its exceptional educational facilities and family-oriented lifestyle. The area features predominantly detached housing on generous blocks, surrounded by extensive bushland reserves and national park access. With a strong Asian-Australian community presence and high household incomes, St Ives attracts established professionals and families seeking quality education zones. The suburb offers excellent schools including the highly regarded St Ives High School, local shopping at St Ives Village, and abundant recreational facilities. Property values remain premium due to limited supply, desirable school catchments, and the prestigious Upper North Shore location. While primarily car-dependent with limited public transport, the area compensates with well-maintained infrastructure and strong community amenities. The mature suburb demographic includes many long-term residents, creating a stable, established community character ideal for families prioritizing education and lifestyle quality.
Strengths
- •Exceptional school catchments including St Ives High School
- •Premium Upper North Shore location with prestige appeal
- •Extensive bushland reserves and national park access
- •Strong family-oriented community with established demographics
Opportunities
- •Continued demand from education-focused families
- •Potential infrastructure improvements in broader North Shore planning
- •Strong rental demand from quality school catchments
- •Bushland proximity appeals to lifestyle-focused buyers
Considerations
- •Limited public transport connectivity
- •Car dependency for most daily activities
- •Premium pricing limiting affordability
- •Peak hour traffic congestion
Property Market
$2.85M
+8.5% 1yr
$1.45M
+6.2% 1yr
$2.20M
$1,350/wk
$950/wk
35
1.8%
75.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +45.0% |
| Unit | +6.2% | +18.5% | +38.0% |
Rental Yields
House Yield
2.4%
Unit Yield
3.2%
Townhouse Yield
2.6%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for St Ives at median house price
+8% surcharge
$1350/wk
Negatively geared
Reduces taxable income
~$1,751/week
Based on 9.0% 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)
$139,140
After-tax yield
1.46%
Weekly holding cost
$1751/wk
10yr CGT (est.)
$730,001
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). Individual circumstances vary. This is general information only and not personal financial advice. Consult your CPA before making investment decisions. Local Knowledge Pty Ltd — Registered Tax Agent.
Demographics
16,500
42
$145K
per annum
68.0%
58.0%
52.0%
3.2%
45.0%
Dwelling Mix
Lifestyle & Community
25
12
1
18.0 km
Nearest Station: Gordon Station
Bushland living with excellent schools, community facilities, recreational amenities, and village shopping in a prestigious Upper North Shore setting
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Data sourced from multiple sources. Last updated 29 March 2026.