Clovelly
Investment Score
78
/100
AI Intelligence Summary
Clovelly is an exclusive beachside suburb in Sydney's Eastern Suburbs, renowned for its protected swimming beach and premium coastal lifestyle. With a population of approximately 1,200 residents, this compact suburb commands some of the highest property prices in Sydney due to its beachfront location and limited housing stock. The area is dominated by apartments and units rather than houses, attracting affluent professionals and families who value the coastal amenities and proximity to the CBD. Clovelly Beach serves as the centerpiece of the community, offering protected swimming conditions and strong community connections through the local surf club. The suburb benefits from excellent schools, low crime rates, and easy access to the coastal walk connecting to Coogee and Bondi. While public transport relies primarily on bus services, the premium location and lifestyle offerings continue to drive strong property demand. The tight-knit community atmosphere, combined with limited development opportunities, ensures Clovelly maintains its exclusive character and market position as one of Sydney's most desirable beachside addresses.
Strengths
- •Premium beachfront location with protected swimming beach
- •Exclusive suburb with limited housing stock maintaining property values
- •Strong community feel with active surf club and local groups
- •Excellent proximity to quality schools and educational facilities
Opportunities
- •Continued premium property value growth due to scarcity
- •Infrastructure improvements for coastal protection
- •Enhanced bus transport connections to CBD
- •Development of local amenities while maintaining character
Considerations
- •Limited public transport options with no direct rail connection
- •Very high property prices limiting affordability
- •Limited local shopping and dining options
- •Parking constraints due to compact suburb layout
A decision, not just a search · Clovelly
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
$3.80M
+5.2% 1yr
$1.65M
+6.8% 1yr
$2.80M
$2,050/wk
$1,100/wk
28
1.2%
78.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +5.2% | +18.5% | +32.8% |
| Unit | +6.8% | +22.1% | +38.2% |
Rental Yields
House Yield
2.8%
Unit Yield
3.5%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 2.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Clovelly 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.
$2050/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$2,182/week
Land Tax Exposure
~60% of median price
Annual: $19,380
Annual: $36,180
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)
$193,850
After-tax yield
1.71%
Weekly holding cost
$2182/wk
10yr CGT (est.)
$794,283
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
1,200
42
$120K
per annum
58.0%
52.0%
48.0%
3.2%
32.0%
Dwelling Mix
Lifestyle & Community
8
4
2
9.0 km
Nearest Station: Bondi Junction
Premium coastal lifestyle with protected beach swimming, coastal walks, surf club activities, and easy access to Eastern Suburbs amenities
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Data sourced from multiple sources. Last updated 27 March 2026.