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Wollondilly

NSW 2570LGA: Wollondilly Shire

Investment Score

78

/100

AI Intelligence Summary

Wollondilly Shire encompasses multiple towns including Picton, Tahmoor, Thirlmere, and Bargo, offering a rural lifestyle within commuting distance of Sydney CBD. This rapidly growing region attracts families seeking larger blocks and affordable housing, with property values increasing significantly due to Sydney's affordability pressures. The area features a strong community focus with local festivals, access to natural attractions like Thirlmere Lakes and Nattai National Park, and a mix of rural properties, acreage blocks, and new suburban developments. Infrastructure includes train services from Picton and Tahmoor stations, though the area remains primarily car-dependent. With ongoing population growth driven by Sydney's urban expansion, limited retail options requiring travel to major centres, and tight rental markets with low vacancy rates, Wollondilly represents a transitional area balancing rural character with suburban development pressures.

Strengths

  • Affordable housing compared to Sydney metropolitan area
  • Large land parcels and acreage blocks available
  • Strong community atmosphere with local events and festivals
  • Access to natural attractions and national parks

Opportunities

  • Continued population growth from Sydney spillover
  • Infrastructure upgrades supporting development
  • New housing developments in Picton and Tahmoor
  • Tourism potential from natural attractions

Considerations

  • Limited public transport options beyond train stations
  • Car dependency for daily activities
  • Limited local retail and shopping options
  • Distance from major employment centres

Property Market

Median House

$1.15M

+12.5% 1yr

Median Unit

$650K

+10.0% 1yr

Median Townhouse

$850K

Rent (House)

$850/wk

Rent (Unit)

$650/wk

Days on Market

35

Vacancy Rate

1.2%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+12.5%+28.0%+45.0%
Unit+10.0%+22.0%+38.0%

Rental Yields

House Yield

3.8%

Unit Yield

5.2%

Townhouse Yield

4.3%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Wollondilly at median house price

Standard transfer
$46,280
First Home Buyer
$46,280
Foreign buyer surcharge
$92,000

+8% surcharge

Annual rent income
$44,200

$850/wk

Interest (80% LVR @ 6.5%)
-$59,800
Other expenses (~2.5%)
-$28,750
Net rental position
-$44,350

Negatively geared

Tax benefit (39% MTR)
+$17,297

Reduces taxable income

After-tax holding cost
$27,054/yr

~$520/week

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

5-Year Hold

Est. value
$1.77M
Capital gain
$567,388
After discount
$283,694
CGT payable
$110,641

10-Year Hold

Est. value
$2.72M
Capital gain
$1.52M
After discount
$760,219
CGT payable
$296,485

Investor Quick Summary

Entry cost (stamp duty)

$46,280

After-tax yield

2.32%

Weekly holding cost

$520/wk

10yr CGT (est.)

$296,485

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

52,000

Median Age

41

Median Income

$95K

per annum

Family Households

68.0%

Professionals

45.0%

University Educated

32.0%

Unemployment

4.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 75%Units: 15%Townhouses: 10%Total: 18,500

Lifestyle & Community

Walkability35/100
Public Transport4/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

45

Parks

25

Hospitals

1

Distance to CBD

75.0 km

Nearest Station: Picton Station

Rural lifestyle with natural attractions, community events, larger blocks, and outdoor recreation opportunities within commuting distance of Sydney.

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Data sourced from multiple sources. Last updated 30 March 2026.

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