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Annangrove

NSW 2156LGA: The Hills Shire

Investment Score

78

/100

AI Intelligence Summary

Annangrove is a prestigious semi-rural suburb located in The Hills Shire, approximately 40km northwest of Sydney's CBD. Characterised by expansive acreage properties, horse paddocks, and hobby farms, the suburb offers an enviable lifestyle that blends rural tranquility with suburban convenience. With a median house price of $2.45 million and median land sizes around 3,200 sqm, Annangrove attracts high-income professional families seeking privacy, space, and a strong community environment within commuting distance of Sydney. The verified comparable sale of 3 Langlands Road at $2.82M for a 5-bedroom home on 21,070 sqm in April 2026 underscores the premium commanded by larger acreage holdings, with land transacting at approximately $134/sqm for rural-scale lots. The suburb's demographic profile is dominated by university-educated professionals earning well above Sydney's median, with 78% family households and an unemployment rate of just 3.2%. Owner-occupancy sits at 85%, reflecting the strong owner-occupier culture typical of aspirational acreage communities. Property supply is tightly constrained by minimum lot size zoning requirements, which effectively limits new dwelling creation and underpins long-term price resilience. Five-year house price growth of 52.3% demonstrates the suburb's sustained capital appreciation trajectory, driven by persistent undersupply and strong demand from upsizing Sydney families. The suburb's primary weakness is its car dependency, with a transport score of just 3/100 and the nearest Metro station (Rouse Hill) sitting 8-10km away. Walkability is limited at 25/100, and local retail amenity is modest, with residents relying on Rouse Hill Town Centre for major shopping and services. Despite these limitations, Annangrove's safety rating of 9/10, family friendliness of 9/10, and low crime index of 15/100 make it one of Sydney's most desirable semi-rural enclaves. With vacancy rates at 1.2% and auction clearance rates at 78%, market conditions remain firmly in favour of vendors, and the investment outlook remains positive for patient, long-term capital growth investors.

Strengths

  • Premium acreage lifestyle with median land sizes of 3,200 sqm and rural character highly sought by affluent families
  • Exceptional capital growth with 52.3% five-year house price appreciation and 8.2% annual growth
  • Very high household incomes ($145,000 median annual) supporting strong purchasing power and low mortgage stress
  • Extremely low crime index (15/100) and high safety rating (9/10) creating a secure family environment

Opportunities

  • Continued Sydney population growth and urban sprawl increasing demand for semi-rural lifestyle properties within commutable distance
  • Sydney Metro Northwest expansion improving regional connectivity and potentially increasing buyer catchment for Hills District suburbs
  • Subdivision potential on larger lots where zoning permits, unlocking significant value uplift
  • Strong rental demand from high-income tenants seeking acreage lifestyle with vacancy at just 1.2%

Considerations

  • Highly car-dependent with transport score of just 3/100 and limited public bus services, making car ownership essential
  • Premium price point with $2.45M median house price creating significant barriers to entry and limiting buyer pool
  • Low rental yield of 2.8% for houses makes pure cashflow investment challenging relative to carrying costs
  • Very low transaction volume (85 sales in 12 months across 950 dwellings) can create pricing illiquidity and valuation uncertainty

Property Market

Median House

$2.45M

+8.2% 1yr

Median Unit

$850K

+6.2% 1yr

Median Townhouse

$1.25M

Rent (House)

$1,350/wk

Rent (Unit)

$680/wk

Days on Market

32

Vacancy Rate

1.2%

Auction Clearance

78.0%

Price Growth

Type1 Year3 Year5 Year
House+8.2%+28.5%+52.3%
Unit+6.2%+22.5%+38.5%

Rental Yields

House Yield

2.8%

Unit Yield

4.2%

Townhouse Yield

3.5%

Investment Scorecard

Overall Investment Score78/100
Growth Potential75/100
Cashflow Score55/100
Risk Score (lower = safer)75/100
Affordability Index45/100

Demand/Supply Ratio: 2.10

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Annangrove at median house price

Stamp Duty Estimate
Standard transfer
$117,140
First Home Buyer
$117,140
Foreign buyer surcharge
$196,000

+8% surcharge

Negative Gearing Position

Wage offset available until 1 July 2027

An established purchase today falls under the 2026 reforms. From 1 July 2027, losses on established residential property can only offset residential rental income or residential capital gains — not your salary.

Annual rent income
$70,200

$1350/wk

Interest (80% LVR @ 6.5%)
-$127,400
Other expenses (~2.5%)
-$61,250
Net rental position
-$118,450

Negatively geared

Tax benefit (39% MTR)
+$46,196

Reduces taxable income until 1 July 2027

After-tax holding cost
$72,254/yr

~$1,390/week

Land Tax Exposure
Est. land value
$1.47M

~60% of median price

Individual threshold
$1,075,000

Annual: $6,420

Trust/company threshold
$25,000 (trust)

Annual: $23,220

CPA Note: Land tax applies to your total NSW land holdings, not individual properties. Portfolio holders should aggregate all investment land values.

CGT Projection

Based on 10.5% p.a. growth (from 5-year trend), CPI indexation + 30% minimum rate, 39% MTR

5-Year Hold

Est. value
$4.03M
Capital gain
$1.45M
Assessable gain
$1.11M
CGT payable
$433,135

10-Year Hold

Est. value
$6.63M
Capital gain
$4.05M
Assessable gain
$3.32M
CGT payable
$1.30M

Investor Quick Summary

Entry cost (stamp duty)

$117,140

After-tax yield

1.71%

Weekly holding cost

$1390/wk

10yr CGT (est.)

$1.30M

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. Local Knowledge Group of Companies provides integrated advisory through Local Knowledge (CPA), Local Knowledge Finance (Mortgage Brokerage), and Local Knowledge Property (Licensed Agency).

Demographics

Population

2,800

Median Age

42

Median Income

$145K

per annum

Family Households

78.0%

Professionals

65.0%

University Educated

68.0%

Unemployment

3.2%

Born Overseas

42.0%

Dwelling Mix

Houses: 95%Units: 3%Townhouses: 2%Total: 950

Lifestyle & Community

Walkability25/100
Public Transport3/10
Schools Rating8/10
Safety9/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

40.0 km

Nearest Station: Rouse Hill Metro Station

Residents enjoy a peaceful rural lifestyle with horse properties, hobby farms, large gardens, and natural reserves including Caddies Creek Reserve. The suburb offers a genuine escape from urban density while remaining within reach of Rouse Hill Town Centre's retail, dining, and entertainment offerings. Outdoor recreation, community events, and school activities dominate the social calendar.

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Data sourced from multiple sources. Last updated 11 August 2026.

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