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Terrigal

NSW 2260LGA: Central Coast Council

Investment Score

78

/100

AI Intelligence Summary

Terrigal is a premium coastal suburb on the NSW Central Coast, 90km north of Sydney, renowned for its pristine beach, vibrant esplanade dining scene, and the iconic Skillion headland. With a population of 4,200 and median age of 52, it attracts families, professionals, and retirees seeking a relaxed beachside lifestyle. The suburb commands premium property prices with a median house price of $1.45M, significantly above Central Coast averages, driven by limited beachfront supply and strong Sydney buyer demand. Terrigal offers excellent recreational amenities including patrolled beaches, coastal walking tracks, and quality dining options, though transport connectivity relies heavily on private vehicles with limited public transport. The local economy benefits from tourism and hospitality, while residents enjoy low crime rates and high walkability. Educational options are limited locally, with students typically traveling to Erina or Gosford for secondary schooling. The property market shows strong fundamentals with consistent growth, low vacancy rates, and solid rental yields, making it attractive for both lifestyle buyers and investors seeking exposure to the Central Coast's premier beachside location.

Strengths

  • Premium beachfront location with patrolled swimming beach and excellent surf breaks
  • The iconic Skillion headland offering panoramic coastal views and walking tracks
  • Vibrant cafe and restaurant scene along The Esplanade
  • Strong property market fundamentals with consistent capital growth

Opportunities

  • Continued demand from Sydney buyers seeking sea change lifestyle
  • Potential for luxury development given premium location
  • Growth in short-term rental market for tourism
  • Infrastructure improvements on Central Coast enhancing connectivity

Considerations

  • Limited public transport connectivity requiring car dependency
  • Higher property prices limiting affordability for first home buyers
  • Limited local schooling options beyond primary level
  • Seasonal tourism creating parking and congestion issues

Property Market

Median House

$1.45M

+8.5% 1yr

Median Unit

$850K

+6.8% 1yr

Median Townhouse

$1.15M

Rent (House)

$900/wk

Rent (Unit)

$670/wk

Days on Market

42

Vacancy Rate

2.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+35.0%
Unit+6.8%+18.5%+28.0%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.8%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score65/100
Risk Score (lower = safer)72/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Terrigal at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$46,800

$900/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$64,850

Negatively geared

Tax benefit (39% MTR)
+$25,292

Reduces taxable income

After-tax holding cost
$39,559/yr

~$761/week

Based on 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$2.03M
Capital gain
$514,310
After discount
$257,155
CGT payable
$100,290

10-Year Hold

Est. value
$2.85M
Capital gain
$1.33M
After discount
$666,490
CGT payable
$259,931

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.95%

Weekly holding cost

$761/wk

10yr CGT (est.)

$259,931

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

4,200

Median Age

48

Median Income

$85K

per annum

Family Households

58.0%

Professionals

45.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

25.0%

Dwelling Mix

Houses: 72%Units: 25%Townhouses: 3%Total: 1,850

Lifestyle & Community

Walkability75/100
Public Transport4/10
Schools Rating6/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

35

Parks

8

Hospitals

1

Distance to CBD

90.0 km

Nearest Station: Gosford Station

Beach-focused lifestyle with excellent dining, coastal walks, water sports, and proximity to Central Coast attractions

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

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