Terrey Hills
Investment Score
78
/100
AI Intelligence Summary
Terrey Hills is a prestigious, semi-rural suburb in Sydney's Northern Beaches, located 28km northeast of the CBD. Known for its large blocks, bushland setting, and proximity to Ku-ring-gai Chase National Park, it attracts affluent families seeking space and natural environment. The suburb features predominantly detached houses on generous lots, with limited commercial facilities requiring residents to travel to nearby centers. With a median age of 45 and higher than average household incomes, the area has a strong community feel and rural lifestyle benefits. Property values have shown steady growth over the past five years, driven by strong demand for family homes with acreage. The suburb is car-dependent with limited public transport, served by bus routes to Mona Vale and Chatswood. Zoning restrictions limit apartment development, maintaining the low-density character. Terrey Hills Public School serves local primary education needs, while quality private schools are accessible in surrounding areas. The bushfire-prone location requires specific planning considerations, but the natural setting commands premium pricing in the competitive Northern Beaches market.
Strengths
- •Premium Northern Beaches location with bushland setting
- •Large blocks and low-density housing maintaining semi-rural character
- •Proximity to Ku-ring-gai Chase National Park and natural amenities
- •Strong capital growth and property value appreciation
Opportunities
- •Continued demand for lifestyle properties with space and privacy
- •Potential for sustainable development respecting environmental constraints
- •Growing appeal as work-from-home trends favor spacious properties
- •Infrastructure improvements in broader Northern Beaches region
Considerations
- •Limited public transport connectivity requiring car dependency
- •Bushfire-prone area requiring specific planning and insurance considerations
- •Limited local commercial facilities and shopping options
- •Distance from CBD increasing commute times
Property Market
$2.15M
+10.0% 1yr
$1.35M
+8.0% 1yr
$1.75M
$1,150/wk
$900/wk
35
1.8%
75.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +10.0% | +28.0% | +45.0% |
| Unit | +8.0% | +22.0% | +38.0% |
Rental Yields
House Yield
2.8%
Unit Yield
3.5%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Terrey Hills at median house price
+8% surcharge
$1150/wk
Negatively geared
Reduces taxable income
~$1,241/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)
$100,640
After-tax yield
1.71%
Weekly holding cost
$1241/wk
10yr CGT (est.)
$551,546
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
45
$125K
per annum
68.0%
58.0%
48.0%
3.2%
32.0%
Dwelling Mix
Lifestyle & Community
3
8
1
28.0 km
Nearest Station: Hornsby Station
Semi-rural lifestyle with access to bushwalking, national parks, quality schools, and family-oriented community activities. Car-dependent but peaceful environment.
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Data sourced from multiple sources. Last updated 29 March 2026.