All Suburbs

Tamarama

NSW 2026LGA: Waverley Council

Investment Score

82

/100

AI Intelligence Summary

Tamarama is an exclusive beachside enclave in Sydney's Eastern Suburbs, renowned for its pristine 80-meter beach and premium coastal lifestyle. With a population of just 850 residents, this intimate suburb commands some of Sydney's highest property prices, with median house prices reaching $8.5 million and units averaging $2.8 million. The demographic profile reflects its premium positioning, featuring affluent professionals, downsizers, and international residents with a median income of $165,000. The suburb is characterized by high-density apartment living (82% units) due to limited land availability and heritage restrictions. Tamarama's appeal lies in its beachfront location, forming part of the iconic Bondi to Coogee coastal walk, proximity to Bondi Junction's amenities, and strong community focus around the Surf Life Saving Club. While lacking direct rail access and local retail infrastructure, its unparalleled coastal position, low crime rates, and consistent capital growth make it a highly sought-after investment destination for those seeking premium beachside living in Sydney's most prestigious coastal corridor.

Strengths

  • Prime beachfront location with direct beach access and coastal lifestyle
  • Exceptional capital growth with 45% house price growth over 5 years
  • Ultra-low vacancy rates at 1.2% indicating strong rental demand
  • Exclusive small suburb character with limited housing stock creating scarcity value

Opportunities

  • Continued premium positioning as Sydney's coastal development intensifies
  • Potential for luxury apartment redevelopments given high land values
  • Growing demand from international buyers seeking prestige beachfront properties
  • Infrastructure improvements in broader Eastern Suburbs benefiting connectivity

Considerations

  • Extremely high entry costs limiting market accessibility and liquidity
  • Limited local amenities requiring travel to nearby suburbs for shopping and services
  • No direct rail access with reliance on bus transport
  • Narrow streets and limited parking infrastructure

Property Market

Median House

$8.50M

+12.5% 1yr

Median Unit

$2.80M

+8.5% 1yr

Median Townhouse

$4.50M

Rent (House)

$3,500/wk

Rent (Unit)

$1,500/wk

Days on Market

25

Vacancy Rate

1.2%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+12.5%+28.0%+45.0%
Unit+8.5%+22.0%+38.0%

Rental Yields

House Yield

2.1%

Unit Yield

2.8%

Townhouse Yield

2.4%

Investment Scorecard

Overall Investment Score82/100
Growth Potential88/100
Cashflow Score65/100
Risk Score (lower = safer)75/100
Affordability Index15/100

Demand/Supply Ratio: 2.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Tamarama at median house price

Standard transfer
$522,850
First Home Buyer
$522,850
Foreign buyer surcharge
$680,000

+8% surcharge

Annual rent income
$182,000

$3500/wk

Interest (80% LVR @ 6.5%)
-$442,000
Other expenses (~2.5%)
-$212,500
Net rental position
-$472,500

Negatively geared

Tax benefit (39% MTR)
+$184,275

Reduces taxable income

After-tax holding cost
$288,225/yr

~$5,543/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$13.08M
Capital gain
$4.01M
After discount
$2.01M
CGT payable
$782,526

10-Year Hold

Est. value
$20.12M
Capital gain
$11.06M
After discount
$5.53M
CGT payable
$2.16M

Investor Quick Summary

Entry cost (stamp duty)

$522,850

After-tax yield

1.28%

Weekly holding cost

$5543/wk

10yr CGT (est.)

$2.16M

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

Population

850

Median Age

42

Median Income

$165K

per annum

Family Households

45.0%

Professionals

68.0%

University Educated

72.0%

Unemployment

3.2%

Born Overseas

42.0%

Dwelling Mix

Houses: 15%Units: 82%Townhouses: 3%Total: 420

Lifestyle & Community

Walkability85/100
Public Transport6/10
Schools Rating8/10
Safety9/10
Family Friendly7/10
Cafes & Restaurants

12

Parks

8

Hospitals

2

Distance to CBD

7.0 km

Nearest Station: Bondi Junction

Premium beachside living with focus on surfing, coastal walks, fitness, and outdoor recreation, complemented by easy access to Bondi Junction's dining and shopping amenities.

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Data sourced from multiple sources. Last updated 29 March 2026.

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