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Windsor Downs

NSW 2756LGA: Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Windsor Downs is a prestigious rural residential locality in the Hawkesbury Local Government Area, approximately 60km northwest of Sydney CBD. This exclusive enclave features large acreage properties (1-5+ acres) that attract affluent families seeking a rural lifestyle while maintaining reasonable access to Sydney. The area is characterized by equestrian facilities, modern rural homes, and a strong community focus on outdoor living. With limited housing stock and infrequent sales, the market is highly selective with median house prices ranging from $1.2M-$1.8M. Residents enjoy privacy and space but must travel to Windsor or Richmond for major services and amenities. The locality benefits from proximity to the Hawkesbury River recreational areas and forms part of the broader Western Sydney growth corridor, though future development is constrained by rural zoning. Infrastructure is primarily rural with local roads connecting to Windsor Road, limited public transport, and rural services. The demographic profile skews toward established professionals and families who value the rural lifestyle while maintaining career connections to Sydney.

Strengths

  • Exclusive rural residential character with large acreage properties
  • Strong capital growth potential due to limited supply and high demand
  • Proximity to Hawkesbury River and recreational amenities
  • Equestrian facilities and rural lifestyle opportunities

Opportunities

  • Growing demand for rural lifestyle properties post-COVID
  • Potential infrastructure improvements as part of Western Sydney development
  • Increasing value of large land holdings near Sydney
  • Development of boutique rural tourism and equestrian businesses

Considerations

  • Limited local amenities requiring travel to Windsor or Richmond
  • Restricted public transport options
  • Higher property maintenance costs for large acreage blocks
  • Limited rental market due to property type and price point

Property Market

Median House

$1.50M

+8.5% 1yr

Rent (House)

$750/wk

Days on Market

85

Vacancy Rate

1.8%

Auction Clearance

45.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+28.2%+45.8%

Rental Yields

House Yield

2.4%

Investment Scorecard

Overall Investment Score72/100
Growth Potential78/100
Cashflow Score55/100
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 Windsor Downs at median house price

Standard transfer
$64,890
First Home Buyer
$64,890
Foreign buyer surcharge
$120,000

+8% surcharge

Annual rent income
$39,000

$750/wk

Interest (80% LVR @ 6.5%)
-$78,000
Other expenses (~2.5%)
-$37,500
Net rental position
-$76,500

Negatively geared

Tax benefit (39% MTR)
+$29,835

Reduces taxable income

After-tax holding cost
$46,665/yr

~$897/week

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

5-Year Hold

Est. value
$2.32M
Capital gain
$752,535
After discount
$376,267
CGT payable
$146,744

10-Year Hold

Est. value
$3.60M
Capital gain
$2.03M
After discount
$1.02M
CGT payable
$396,070

Investor Quick Summary

Entry cost (stamp duty)

$64,890

After-tax yield

1.46%

Weekly holding cost

$897/wk

10yr CGT (est.)

$396,070

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

450

Median Age

42

Median Income

$145K

per annum

Family Households

78.0%

Professionals

68.0%

University Educated

58.0%

Unemployment

3.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 95%Units: 2%Townhouses: 3%Total: 165

Lifestyle & Community

Walkability25/100
Public Transport2/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

2

Parks

4

0
Distance to CBD

60.0 km

Nearest Station: Windsor Station

Rural acreage living with equestrian facilities, outdoor recreation, proximity to Hawkesbury River, and peaceful country atmosphere while maintaining access to Sydney amenities

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

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