Tea Gardens
Investment Score
75
/100
AI Intelligence Summary
Tea Gardens is a picturesque coastal town in the Port Stephens Local Government Area, NSW, situated approximately 230km north of Sydney. This charming destination has evolved into a popular retirement and sea change location, attracting residents seeking a relaxed coastal lifestyle. The town benefits from its proximity to pristine beaches, Myall Lakes National Park, and the Myall River, offering exceptional natural amenities and recreational opportunities. The community is characterized by a strong volunteer spirit, established recreational facilities including a golf course and bowling club, and a rural-residential atmosphere with low population density. While the area offers limited commercial facilities requiring travel to larger centers for major shopping and services, this contributes to its peaceful, village-like character. The local primary school serves educational needs, though high school students typically commute to nearby towns. Infrastructure includes NBN broadband and comprehensive sewerage systems, with primary access via The Lakes Way. The ferry service connecting to Hawks Nest across the Myall River adds to the area's unique charm and connectivity.
Strengths
- •Stunning natural environment with beaches and national park access
- •Strong community spirit with active volunteer organizations
- •Low crime rates and peaceful, safe environment
- •Established recreational facilities including golf course and bowling club
Opportunities
- •Continued growth in retiree and sea change markets
- •Tourism development leveraging natural attractions
- •Boutique accommodation and hospitality ventures
- •Eco-tourism initiatives around Myall Lakes National Park
Considerations
- •Limited commercial facilities requiring travel for major shopping
- •No public transport connections to major centers
- •Limited employment opportunities locally
- •High school students must travel to nearby towns
Property Market
$850K
+12.5% 1yr
$580K
+10.2% 1yr
$720K
$620/wk
$480/wk
35
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +12.5% | +35.2% | +48.7% |
| Unit | +10.2% | +28.5% | +42.1% |
Rental Yields
House Yield
3.8%
Unit Yield
4.5%
Townhouse Yield
4.1%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Tea Gardens at median house price
Save $24,585
+8% surcharge
$620/wk
Negatively geared
Reduces taxable income
~$390/week
Based on 9.7% 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)
$32,780
After-tax yield
2.32%
Weekly holding cost
$390/wk
10yr CGT (est.)
$246,888
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
3,200
58
$52K
per annum
45.0%
35.0%
28.0%
4.2%
22.0%
Dwelling Mix
Lifestyle & Community
8
12
230.0 km
Nearest Station: Broadmeadow Station
Relaxed coastal living with golf, bowling, boating, fishing, and easy access to beaches and national parks for outdoor recreation.
Interested in Tea Gardens?
Get a personalised buyer brief with AI-powered property intelligence for this suburb.
Data sourced from multiple sources. Last updated 29 March 2026.