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Woollahra

NSW 2025LGA: Woollahra Council

Investment Score

78

/100

AI Intelligence Summary

Woollahra represents one of Sydney's most prestigious and tightly-held residential enclaves, situated just 6km from the CBD in the city's affluent Eastern Suburbs. This sophisticated suburb combines heritage charm with contemporary luxury, featuring tree-lined streets, Victorian terraces, and elegant Federation homes alongside modern architectural statements. The lifestyle offering is exceptional, with Queen Street's boutique shopping precinct, world-class dining establishments, and proximity to Centennial Park providing residents with an enviable urban village atmosphere. The area's cultural credentials are reinforced by proximity to Paddington's galleries and Double Bay's cosmopolitan amenities. With a Walk Score of 78, residents enjoy excellent pedestrian access to cafes, restaurants, and essential services, while maintaining the leafy, residential character that defines the suburb. The median house price of $4.2 million reflects Woollahra's premium positioning in Sydney's property market, attracting high-net-worth individuals, established professionals, and downsizers seeking quality over quantity. The median household income of $95,000 somewhat understates the area's affluence, likely influenced by retirees and self-funded individuals. From an investment perspective, Woollahra presents a blue-chip proposition with an investment score of 78 and growth score of 72, indicating strong long-term capital appreciation potential. The 2.8% rental yield is modest but typical for prestige suburbs where capital growth drives returns rather than income. The exceptionally low 1.8% vacancy rate demonstrates consistent tenant demand, particularly for the suburb's quality apartment stock (median $1.85 million). Top-tier school ratings of 9.0 and safety scores of 9.0 enhance family appeal, while the suburb's heritage overlay and limited development opportunities ensure supply constraints that support value retention. Woollahra suits conservative investors seeking stable, long-term capital growth in a tightly-held market, though the high entry price and lower yields require substantial capital commitment and a patient investment horizon.

Strengths

  • Premium Eastern Suburbs location just 6km from Sydney CBD with excellent connectivity and prestige address
  • Exceptional safety rating (9.0) and top-tier school access (9.0) attracting affluent families and professionals
  • Very low vacancy rate of 1.8% indicating strong, consistent tenant demand and market stability
  • High Walk Score of 78 with boutique retail, dining precincts, and proximity to Centennial Park

Opportunities

  • Strong capital growth potential (score 72) in tightly-held prestige market with consistent demand from high-net-worth buyers
  • Apartment market at $1.85M median offers more accessible entry point while maintaining blue-chip credentials
  • Continued Eastern Suburbs gentrification and infrastructure investment supporting long-term value appreciation

Considerations

  • High entry costs with $4.2M median house price limiting investor accessibility and requiring substantial capital
  • Low rental yield of 2.8% making cash flow challenging and requiring long-term capital growth strategy
  • Limited development opportunities due to heritage overlays and established residential character restricting supply growth

Property Market

Median House

$4.20M

+2.5% 1yr

Median Unit

$1.85M

+3.2% 1yr

Median Townhouse

$3.20M

Rent (House)

$2,300/wk

Rent (Unit)

$1,200/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+2.5%+18.2%+35.8%
Unit+3.2%+16.5%+32.4%

Rental Yields

House Yield

2.8%

Unit Yield

3.4%

Townhouse Yield

3.0%

Investment Scorecard

Overall Investment Score78/100
Growth Potential72/100
Cashflow Score58/100
Risk Score (lower = safer)72/100
Affordability Index45/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Woollahra at median house price

Standard transfer
$221,850
First Home Buyer
$221,850
Foreign buyer surcharge
$336,000

+8% surcharge

Annual rent income
$119,600

$2300/wk

Interest (80% LVR @ 6.5%)
-$218,400
Other expenses (~2.5%)
-$105,000
Net rental position
-$203,800

Negatively geared

Tax benefit (39% MTR)
+$79,482

Reduces taxable income

After-tax holding cost
$124,318/yr

~$2,391/week

Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$5.93M
Capital gain
$1.49M
After discount
$746,021
CGT payable
$290,948

10-Year Hold

Est. value
$8.39M
Capital gain
$3.94M
After discount
$1.97M
CGT payable
$768,995

Investor Quick Summary

Entry cost (stamp duty)

$221,850

After-tax yield

1.71%

Weekly holding cost

$2391/wk

10yr CGT (est.)

$768,995

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

12,500

Median Age

42

Median Income

$95K

per annum

Family Households

58.0%

Professionals

52.0%

University Educated

48.0%

Unemployment

3.2%

Born Overseas

38.0%

Dwelling Mix

Houses: 45%Units: 50%Townhouses: 5%Total: 5,800

Lifestyle & Community

Walkability78/100
Public Transport7/10
Schools Rating9/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

45

Parks

8

Hospitals

2

Distance to CBD

6.0 km

Nearest Station: Edgecliff Station

Upmarket dining, boutique shopping, cultural events, proximity to parks and beaches, active community groups and quality recreational facilities.

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Data sourced from multiple sources. Last updated 15 April 2026.

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