Collaroy
Investment Score
78
/100
AI Intelligence Summary
Collaroy, a picturesque suburb in New South Wales, offers a unique blend of lifestyle, market position, and investment outlook. With a median house price of $2,450,000 and a median unit price of $1,050,000, Collaroy is an affluent area that attracts high-income earners, with a median income of $95,000. The suburb's population of 4,200 residents enjoys a relatively high walkability score of 75.0, indicating easy access to local amenities and services. The schools rating of 8.0 and safety rating of 8.0 further enhance the appeal of Collaroy as a desirable place to live. From an investment perspective, Collaroy's distance to the CBD of 22.0 km may be a consideration, but the suburb's investment score of 78.0 and growth potential of 82.0 suggest a strong outlook for property values. The rental yield for houses is 2.8%, and the vacancy rate is a low 1.8%, indicating a competitive rental market. Overall, Collaroy presents an attractive opportunity for investors and homeowners seeking a high-quality lifestyle in a desirable location.
Strengths
- •High median income of $95,000, indicating a strong and affluent community
- •Excellent schools rating of 8.0, making it an attractive option for families
- •High safety rating of 8.0, providing residents with a secure environment
- •Strong investment score of 78.0, suggesting a stable and growing property market
Opportunities
- •Growing demand for high-quality rentals, driven by the suburb's desirable lifestyle and limited vacancy rate of 1.8%
- •Potential for renovation and redevelopment opportunities, given the suburb's established housing stock
- •Increasing appeal to families and professionals, driven by the suburb's excellent schools and safety ratings
Considerations
- •Relatively high median house price of $2,450,000, making it less accessible to first-home buyers
- •Distance to CBD of 22.0 km, which may be a consideration for commuters
- •Potential for limited affordability for some residents, given the high median income and property prices
A decision, not just a search · Collaroy
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.
Take this question to a reviewThe question and suggested checks are prefilled for you to edit. No enquiry is sent until you submit and consent.
Property Market
$2.45M
+8.2% 1yr
$1.05M
+9.8% 1yr
$1.65M
$1,320/wk
$850/wk
28
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +22.5% | +45.8% |
| Unit | +9.8% | +28.2% | +52.3% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Townhouse Yield
3.4%
Investment Scorecard
Demand/Supply Ratio: 2.10
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Collaroy 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.
$1320/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$1,408/week
Land Tax Exposure
~60% of median price
Annual: $6,420
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 9.2% 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)
$117,140
After-tax yield
1.71%
Weekly holding cost
$1408/wk
10yr CGT (est.)
$1.01M
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
4,200
44
$95K
per annum
58.0%
48.0%
52.0%
3.2%
35.0%
Dwelling Mix
Lifestyle & Community
35
8
1
22.0 km
Nearest Station: Wynyard Station (via B-Line)
Premium beachside lifestyle with direct beach access, active surf culture, quality dining and entertainment options, and strong community recreational facilities
Interested in Collaroy?
Get a personalised buyer brief with AI-powered property intelligence for this suburb.
Request Your Free Buyer BriefClose Form
See What ASPIRE Has Found For You
Get a personalised preview of what our AI intelligence has identified for your situation — in seconds.
Data sourced from multiple sources. Last updated 17 April 2026.