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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). 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

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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