All Suburbs

Windsor

NSW 2756LGA: Hawkesbury City

Investment Score

75

/100

AI Intelligence Summary

Windsor, NSW 2756 is a historic suburb located in the Hawkesbury Local Government Area, approximately 56km northwest of Sydney CBD. Established in 1794, Windsor is one of Australia's oldest settlements, featuring a charming heritage town center with boutique shopping and well-preserved colonial architecture. The suburb offers a unique blend of historical character and modern amenities, positioned along the picturesque Hawkesbury River which provides excellent recreational opportunities including boating, fishing, and riverside dining. Windsor has experienced significant growth due to its inclusion in Sydney's North West Growth Area and benefits from improving infrastructure connections. The community enjoys a relaxed, semi-rural lifestyle while maintaining reasonable access to Sydney's employment centers via Windsor Road and the M2 motorway. The area attracts established families, young professionals seeking affordable alternatives to inner Sydney, and investors drawn to the suburb's heritage appeal and growth potential. With quality schools, medical facilities, and regular community events like the annual Windsor Festival, the suburb maintains a strong sense of community identity while evolving to meet modern residential demands.

Strengths

  • Historic heritage character with preserved colonial architecture
  • Scenic Hawkesbury River location with recreational opportunities
  • Strong community identity with regular festivals and events
  • Growing infrastructure and transport improvements

Opportunities

  • Planned North West Metro transport improvements
  • Heritage tourism development potential
  • Riverside commercial and dining precinct expansion
  • New residential developments on suburb outskirts

Considerations

  • Limited public transport options compared to metro areas
  • Distance from Sydney CBD affecting commute times
  • Heritage restrictions may limit development potential
  • Flood risk due to river proximity in some areas

Property Market

Median House

$1.25M

+8.5% 1yr

Median Unit

$650K

+6.8% 1yr

Median Townhouse

$950K

Rent (House)

$780/wk

Rent (Unit)

$520/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.3%+45.2%
Unit+6.8%+18.5%+38.7%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.6%

Investment Scorecard

Overall Investment Score75/100
Growth Potential78/100
Cashflow Score65/100
Risk Score (lower = safer)65/100
Affordability Index55/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Windsor at median house price

Standard transfer
$51,140
First Home Buyer
$51,140
Foreign buyer surcharge
$100,000

+8% surcharge

Annual rent income
$40,560

$780/wk

Interest (80% LVR @ 6.5%)
-$65,000
Other expenses (~2.5%)
-$31,250
Net rental position
-$55,690

Negatively geared

Tax benefit (39% MTR)
+$21,719

Reduces taxable income

After-tax holding cost
$33,971/yr

~$653/week

Based on 9.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.93M
Capital gain
$619,421
After discount
$309,711
CGT payable
$120,787

10-Year Hold

Est. value
$2.97M
Capital gain
$1.66M
After discount
$831,346
CGT payable
$324,225

Investor Quick Summary

Entry cost (stamp duty)

$51,140

After-tax yield

1.95%

Weekly holding cost

$653/wk

10yr CGT (est.)

$324,225

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

8,500

Median Age

42

Median Income

$95K

per annum

Family Households

68.0%

Professionals

42.0%

University Educated

35.0%

Unemployment

4.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 72%Units: 18%Townhouses: 10%Total: 3,200

Lifestyle & Community

Walkability65/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

28

Parks

12

Hospitals

1

Distance to CBD

56.0 km

Nearest Station: Richmond Station

Heritage town center living with boutique shopping, riverside dining, recreational boating, farmers markets, and community festivals in a semi-rural setting with Sydney accessibility.

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

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