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Werrington Downs

NSW 2747LGA: City of Penrith

Investment Score

72

/100

AI Intelligence Summary

Werrington Downs is a family-oriented residential suburb in Penrith, NSW, located 52km west of Sydney CBD. With a population of 3,200 and median age of 36, it attracts young families and first-home buyers seeking affordable housing with larger block sizes (median 650sqm). The suburb features predominantly detached houses (72%) with median prices around $720,000, offering good value in the Greater Western Sydney market. Strong community amenities include proximity to Werrington Lakes Golf Club, multiple parks, and quality schools rated 7/10. The area benefits from reasonable transport links via Kingswood Station and bus services, though public transport scores remain modest at 4/10. With 42% born overseas, it's a multicultural community with strong family values - 68% family households and high safety ratings (8/10). Property market shows solid fundamentals with 6.2% annual house price growth, 32% five-year growth, and healthy rental yields of 4.2%. Low crime index (25/100) and excellent family-friendliness (9/10) make it particularly attractive to families. Investment prospects are positive with a score of 72, driven by Western Sydney's ongoing development, future airport benefits, and steady demand from owner-occupiers (72%). Challenges include distance from CBD and limited public transport, but opportunities exist from infrastructure development and continued population growth in Western Sydney.

Strengths

  • Strong family-oriented community with excellent safety ratings and low crime
  • Affordable housing market with solid growth potential and good rental yields
  • Large median land sizes (650sqm) offering space for families
  • Quality local amenities including golf course, parks, and well-rated schools

Opportunities

  • Western Sydney Airport development creating future growth potential
  • Ongoing infrastructure improvements in Greater Western Sydney
  • Continued population growth driving housing demand
  • Potential for transport upgrades improving connectivity

Considerations

  • Limited public transport options with low transport score (4/10)
  • Distance from Sydney CBD (52km) affecting commute times
  • Moderate walkability score limiting pedestrian accessibility
  • Reliance on private vehicle transport (78% drive to work)

Property Market

Median House

$720K

+7.2% 1yr

Median Unit

$520K

+6.8% 1yr

Median Townhouse

$650K

Rent (House)

$630/wk

Rent (Unit)

$520/wk

Days on Market

28

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+7.2%+22.5%+45.8%
Unit+6.8%+20.2%+42.3%

Rental Yields

House Yield

4.6%

Unit Yield

5.2%

Townhouse Yield

4.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score68/100
Risk Score (lower = safer)65/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Werrington Downs at median house price

Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+8% surcharge

Annual rent income
$32,760

$630/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$22,680

Negatively geared

Tax benefit (39% MTR)
+$8,845

Reduces taxable income

After-tax holding cost
$13,835/yr

~$266/week

Based on 9.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.12M
Capital gain
$365,434
After discount
$182,717
CGT payable
$71,260

10-Year Hold

Est. value
$1.73M
Capital gain
$979,158
After discount
$489,579
CGT payable
$190,936

Investor Quick Summary

Entry cost (stamp duty)

$26,930

After-tax yield

2.81%

Weekly holding cost

$266/wk

10yr CGT (est.)

$190,936

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

2,800

Median Age

36

Median Income

$75K

per annum

Family Households

68.0%

Professionals

35.0%

University Educated

28.0%

Unemployment

5.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 82%Units: 8%Townhouses: 10%Total: 1,150

Lifestyle & Community

Walkability45/100
Public Transport6/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

52.0 km

Nearest Station: Werrington Station

Family-focused lifestyle with access to golf, parks, recreational facilities, and community activities. Quiet suburban living with good local amenities and strong community spirit.

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

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