Toongabbie
Investment Score
72
/100
AI Intelligence Summary
Toongabbie, 2146, presents a compelling profile for budget-conscious buyers and savvy investors seeking value in Sydney's western suburbs. With a median house price of $820,000 and units at $520,000, it offers a more accessible entry point into the Sydney market compared to inner-city counterparts. The suburb boasts a solid Investment Score of 72.0/100 and a promising Growth Potential of 75.0/100, underpinned by a healthy house rental yield of 4.2% and a low vacancy rate of 2.1%. This indicates strong demand from renters and a stable income stream for investors. Lifestyle-wise, Toongabbie strikes a balance between suburban tranquility and urban convenience. Its Walkability Score of 65.0/100 suggests reasonable access to local amenities, while a Schools Rating of 7.0/10 and Safety Rating of 7.0/10 make it an attractive option for families. The median income of $68,000 reflects a diverse demographic, and its population of approximately 8,500 contributes to a community feel. While 30.0km from the CBD, excellent transport links ensure connectivity. Toongabbie is positioned for continued appreciation as Sydney's population expands and affordability remains a key driver for property decisions.
Strengths
- •Affordable entry point into the Sydney property market
- •Strong investment potential with high growth and solid rental yields
- •Low vacancy rate indicating robust rental demand
- •Good school ratings appealing to families
Opportunities
- •Continued infrastructure development in Western Sydney enhancing connectivity and amenities
- •Increasing demand for affordable housing driving property value appreciation
- •Potential for infill development to cater to growing population
- •Opportunity for investors to capitalise on strong rental market
Considerations
- •Distance from Sydney CBD may be a deterrent for some commuters
- •Median income slightly below Sydney average, potentially limiting price growth ceiling in the short term
- •Limited high-end housing stock for luxury buyers
Property Market
$820K
+5.2% 1yr
$520K
+4.8% 1yr
$680K
$680/wk
$510/wk
32
2.1%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +5.2% | +18.5% | +32.8% |
| Unit | +4.8% | +16.2% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Toongabbie at median house price
Save $28,287
+8% surcharge
$680/wk
Negatively geared
Reduces taxable income
~$326/week
Based on 6.6% 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)
$31,430
After-tax yield
2.56%
Weekly holding cost
$326/wk
10yr CGT (est.)
$135,021
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Tax laws, interest rates, and market conditions change frequently. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).
Demographics
8,500
34
$68K
per annum
62.0%
35.0%
28.0%
6.2%
48.0%
Dwelling Mix
Lifestyle & Community
25
8
2
30.0 km
Nearest Station: Toongabbie Railway Station
Family-focused lifestyle with good recreational facilities, parks, local shopping strips, and community sports clubs providing a suburban village feel.
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Data sourced from multiple sources. Last updated 16 April 2026.