Cammeray
Investment Score
78
/100
AI Intelligence Summary
Cammeray is a prestigious harbourside suburb on Sydney's Lower North Shore, located just 5km north of the CBD. This affluent residential enclave is characterized by a mix of heritage Federation homes, modern apartments, and townhouses, attracting young professionals and established families. The suburb boasts excellent amenities including the well-regarded Cammeray Public School, proximity to elite North Shore secondary schools, and the notable Cammeray Golf Club. With strong cafe culture along Miller Street, easy access to harbour foreshores, and multiple parks including Cammeray Park and Anderson Park, it offers an enviable lifestyle. The property market commands premium prices due to limited land supply and consistent demand from professionals seeking proximity to the CBD. Excellent transport links via bus services to the CBD and Chatswood, plus walking distance to North Sydney station, make it highly desirable. The community is predominantly Australian-born with significant English and Chinese heritage, featuring high median incomes and tertiary education levels. Strong rental demand and low vacancy rates reflect the suburb's desirability and investment appeal.
Strengths
- •Premium Lower North Shore location with harbour proximity
- •Excellent transport connectivity to CBD and major centers
- •High-quality local amenities including golf club and parks
- •Strong educational offerings and proximity to elite schools
Opportunities
- •Continued gentrification and property value growth
- •Infrastructure improvements along Miller Street corridor
- •Potential for boutique development projects
- •Growing cafe and retail precinct expansion
Considerations
- •High property prices limiting affordability
- •Limited housing stock restricting supply
- •Parking constraints in apartment-dense areas
- •Traffic congestion during peak periods
A decision, not just a search · Cammeray
Does a promising suburb make this the right property decision?
No. Suburb data can help you shortlist, but it cannot establish the value, condition or suitability of a particular property. Compare buying, retaining your current property and waiting against your household cash flow, finance conditions and intended holding period.
Questions that could change the answer
- What would make this location unsuitable even if its median price rises?
- Could you meet the costs if income falls, the property is vacant or repairs are needed?
- Are you comparing a specific property with genuinely comparable sales—or only an area average?
Evidence to obtain—not yet verified here
- Comparable property evidence with transaction dates and relevant differences.
- Current loan terms, household commitments and a realistic cash-flow buffer.
- Property inspections, contract advice and ownership/tax advice where relevant.
Other options: Shortlist another property, retain what you own, reduce the budget or delay. Growth expectations alone are not a reason to proceed.
Next action: Ask a Property Advisor to connect the property evidence with your priorities, and identify the finance, tax or legal professional required for unresolved questions.
When to revisit: Revisit if the price, lending terms, inspection findings or household circumstances change.
General decision guidance—not a property assessment, personal recommendation or verified client result. Dates on surrounding market content apply to that content, not to checks on your property.
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Property Market
$2.10M
+8.2% 1yr
$1.20M
+6.8% 1yr
$1.65M
$1,350/wk
$950/wk
28
1.2%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +18.5% | +32.8% |
| Unit | +6.8% | +15.2% | +28.4% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Cammeray at median house price
Stamp Duty Estimate
+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.
$1350/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$1,073/week
Land Tax Exposure
~60% of median price
Annual: $3,060
Annual: $19,860
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 6.6% p.a. growth (from 5-year trend), CPI indexation + 30% minimum rate, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$97,890
After-tax yield
1.95%
Weekly holding cost
$1073/wk
10yr CGT (est.)
$443,558
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
3,200
38
$95K
per annum
58.0%
52.0%
48.0%
3.2%
38.0%
Dwelling Mix
Lifestyle & Community
25
8
1
5.0 km
Nearest Station: North Sydney Station
Premium harbourside living with excellent dining, recreation, and cultural amenities, plus easy CBD access for professionals
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Data sourced from multiple sources. Last updated 11 April 2026.