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Terrey Hills

NSW 2084LGA: Northern Beaches

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

Median House

$2.15M

+10.0% 1yr

Median Unit

$1.35M

+8.0% 1yr

Median Townhouse

$1.75M

Rent (House)

$1,150/wk

Rent (Unit)

$900/wk

Days on Market

35

Vacancy Rate

1.8%

Auction Clearance

75.0%

Price Growth

Type1 Year3 Year5 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

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score65/100
Risk Score (lower = safer)65/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Terrey Hills at median house price

Standard transfer
$100,640
First Home Buyer
$100,640
Foreign buyer surcharge
$172,000

+8% surcharge

Annual rent income
$59,800

$1150/wk

Interest (80% LVR @ 6.5%)
-$111,800
Other expenses (~2.5%)
-$53,750
Net rental position
-$105,750

Negatively geared

Tax benefit (39% MTR)
+$41,243

Reduces taxable income

After-tax holding cost
$64,508/yr

~$1,241/week

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

5-Year Hold

Est. value
$3.31M
Capital gain
$1.05M
After discount
$523,326
CGT payable
$204,097

10-Year Hold

Est. value
$5.09M
Capital gain
$2.83M
After discount
$1.41M
CGT payable
$551,546

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

Population

3,200

Median Age

45

Median Income

$125K

per annum

Family Households

68.0%

Professionals

58.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 85%Units: 8%Townhouses: 7%Total: 1,280

Lifestyle & Community

Walkability35/100
Public Transport4/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

3

Parks

8

Hospitals

1

Distance to CBD

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.

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