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Yarramundi

NSW 2753LGA: Hawkesbury

Investment Score

72

/100

AI Intelligence Summary

Yarramundi is a picturesque rural locality in the Blue Mountains LGA, approximately 65km northwest of Sydney CBD. This small community of around 500 residents offers a quintessential rural lifestyle with large acreage properties ranging from 1-40+ hectares, attracting families and professionals seeking privacy, space, and connection to nature. The suburb is characterized by hobby farms, equestrian properties, and lifestyle blocks, with established homes featuring rural amenities. Located near the Hawkesbury River, residents enjoy access to water-based recreation while maintaining proximity to Richmond and Windsor for essential services. The area has limited commercial facilities and no public transport, making private vehicle ownership essential. Properties are predominantly owner-occupied family homes with a median age demographic of 45-50 years. The local community emphasizes environmental conservation and rural pursuits, creating a strong sense of place. With restrictive rural zoning limiting subdivision potential, the area maintains its low-density character and exclusivity, appealing to those seeking a tree-change lifestyle within commuting distance of Sydney.

Strengths

  • Large acreage properties offering privacy and rural lifestyle
  • Proximity to Hawkesbury River for recreational activities
  • Strong environmental conservation focus and community spirit
  • Access to equestrian facilities and rural pursuits

Opportunities

  • Growing demand for rural lifestyle properties post-COVID
  • Potential for sustainable agriculture and eco-tourism ventures
  • Increased property values due to scarcity and lifestyle appeal
  • Development of home-based businesses and remote work opportunities

Considerations

  • Limited local commercial facilities requiring travel to Richmond/Windsor
  • No public transport services necessitating private vehicle reliance
  • Restricted subdivision potential due to rural zoning
  • Limited planned major infrastructure developments

Property Market

Median House

$1.45M

+5.2% 1yr

Rent (House)

$780/wk

Days on Market

65

Vacancy Rate

1.2%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+5.2%+18.5%+32.8%

Rental Yields

House Yield

2.8%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score58/100
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 Yarramundi at median house price

Standard transfer
$62,140
First Home Buyer
$62,140
Foreign buyer surcharge
$116,000

+8% surcharge

Annual rent income
$40,560

$780/wk

Interest (80% LVR @ 6.5%)
-$75,400
Other expenses (~2.5%)
-$36,250
Net rental position
-$71,090

Negatively geared

Tax benefit (39% MTR)
+$27,725

Reduces taxable income

After-tax holding cost
$43,365/yr

~$834/week

Based on 6.6% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR

5-Year Hold

Est. value
$1.99M
Capital gain
$472,838
After discount
$236,419
CGT payable
$92,203

10-Year Hold

Est. value
$2.74M
Capital gain
$1.22M
After discount
$608,916
CGT payable
$237,477

Investor Quick Summary

Entry cost (stamp duty)

$62,140

After-tax yield

1.71%

Weekly holding cost

$834/wk

10yr CGT (est.)

$237,477

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

520

Median Age

47

Median Income

$95K

per annum

Family Households

68.0%

Professionals

48.0%

University Educated

38.0%

Unemployment

3.2%

Born Overseas

28.0%

Dwelling Mix

Houses: 95%Units: 2%Townhouses: 3%Total: 185

Lifestyle & Community

Walkability25/100
Public Transport1/10
Schools Rating6/10
Safety9/10
Family Friendly8/10
0
Parks

3

0
Distance to CBD

65.0 km

Nearest Station: Richmond Station

Rural lifestyle with emphasis on privacy, equestrian activities, and Hawkesbury River recreation

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

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