All Suburbs

Woolwich

NSW 2110LGA: Hunters Hill Council

Investment Score

82

/100

AI Intelligence Summary

Woolwich is an exclusive harbourside enclave located 12km from Sydney's CBD, offering a rare combination of waterfront prestige and village charm. With a small population of just 420 residents and a median household income of $185,000, this tightly-held suburb attracts affluent professionals and families seeking privacy and natural beauty. The median house price of $4.2 million reflects the premium positioning of this waterfront locale, while units at $1.85 million provide a more accessible entry point to this prestigious address. The suburb's exceptional safety rating of 9.0/10 and strong schools rating of 8.0/10 make it particularly appealing to families prioritizing security and education. Woolwich's harbourside location offers stunning water views, access to beaches and parklands, and a tranquil lifestyle while maintaining reasonable connectivity to the city. The walkability score of 65/100 indicates adequate local amenities, though residents typically rely on nearby Hunters Hill village or Lane Cove for comprehensive shopping and dining. From an investment perspective, Woolwich demonstrates compelling fundamentals with an investment score of 82/100 and impressive growth potential of 85/100. The extremely low vacancy rate of 0.8% signals strong rental demand, though the rental yield of 2.2% is modest, typical of premium capital growth suburbs. The limited housing stock and tightly-held nature of the suburb create scarcity value, supporting long-term price appreciation. Woolwich appeals to investors with a long-term horizon seeking capital growth in a blue-chip location, as well as owner-occupiers desiring an exclusive harbourside lifestyle with village character and proximity to Sydney's commercial centres.

Strengths

  • Exceptional median household income of $185,000 indicating highly affluent resident base and strong socioeconomic profile
  • Outstanding safety rating of 9.0/10 providing secure family-friendly environment
  • Extremely low vacancy rate of 0.8% demonstrating strong rental demand and market tightness
  • Impressive growth potential score of 85/100 suggesting strong capital appreciation prospects

Opportunities

  • Tightly-held suburb with limited supply supporting continued price growth as demand for premium harbourside property remains strong
  • Unit market at $1.85 million median provides more accessible entry point to prestigious address for downsizers and young professionals
  • High investment score of 82/100 combined with 85/100 growth potential indicates strong long-term capital appreciation potential
  • Increasing demand for lifestyle-focused properties post-pandemic favoring exclusive waterfront locations with natural amenity

Considerations

  • Very high median house price of $4.2 million creating significant barrier to entry for most buyers
  • Low rental yield of 2.2% limiting appeal to income-focused investors
  • Small population of 420 residents indicating limited local amenities and services within the suburb
  • Moderate walkability score of 65/100 suggesting car dependency for many daily activities

Property Market

Median House

$4.20M

+8.5% 1yr

Median Unit

$1.85M

+6.2% 1yr

Rent (House)

$1,800/wk

Rent (Unit)

$1,100/wk

Days on Market

45

Vacancy Rate

0.8%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+8.5%+22.0%+35.0%
Unit+6.2%+18.5%+28.0%

Rental Yields

House Yield

2.2%

Unit Yield

3.1%

Investment Scorecard

Overall Investment Score82/100
Growth Potential85/100
Cashflow Score55/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Woolwich at median house price

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

+8% surcharge

Annual rent income
$93,600

$1800/wk

Interest (80% LVR @ 6.5%)
-$218,400
Other expenses (~2.5%)
-$105,000
Net rental position
-$229,800

Negatively geared

Tax benefit (39% MTR)
+$89,622

Reduces taxable income

After-tax holding cost
$140,178/yr

~$2,696/week

Based on 7.0% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$5.89M
Capital gain
$1.45M
After discount
$723,934
CGT payable
$282,334

10-Year Hold

Est. value
$8.26M
Capital gain
$3.82M
After discount
$1.91M
CGT payable
$744,741

Investor Quick Summary

Entry cost (stamp duty)

$221,850

After-tax yield

1.34%

Weekly holding cost

$2696/wk

10yr CGT (est.)

$744,741

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

420

Median Age

48

Median Income

$185K

per annum

Family Households

68.0%

Professionals

58.0%

University Educated

52.0%

Unemployment

2.1%

Born Overseas

32.0%

Dwelling Mix

Houses: 85%Units: 12%Townhouses: 3%Total: 165

Lifestyle & Community

Walkability65/100
Public Transport7/10
Schools Rating8/10
Safety9/10
Family Friendly8/10
Cafes & Restaurants

3

Parks

4

Hospitals

1

Distance to CBD

12.0 km

Nearest Station: Chatswood Station

Premium harbourside lifestyle with ferry access to CBD, heritage properties, parkland recreation, and proximity to quality amenities in surrounding suburbs while maintaining privacy and exclusivity.

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

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