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Cranebrook

NSW 2749LGA: Penrith City

Investment Score

72

/100

AI Intelligence Summary

Cranebrook (2749) presents as a practical and increasingly appealing Western Sydney suburb with a solid balance of affordability, family livability and investment fundamentals. With a median house price of $720,000 and a median unit price of $485,000, it sits below the broader Sydney market, which makes it attractive to first-home buyers, upgraders and investors seeking more accessible entry points without leaving Greater Sydney. The population of 8,500 gives the suburb a community feel rather than a high-density urban character, while a median income of $78,000 suggests a stable local buyer and renter base. Lifestyle-wise, Cranebrook offers decent everyday convenience rather than inner-city walkability, reflected in its 55/100 walkability score, but it compensates with family-friendly appeal, a safety rating of 7/10 and a respectable schools rating of 7/10, all of which support demand from households prioritising space and practicality. From an investment perspective, the suburb scores well with an investment score of 72/100 and growth potential of 75/100, indicating room for capital appreciation as infrastructure, population growth and broader Western Sydney demand continue to support the area. The 4.2% house rental yield is healthy by Sydney standards and, combined with a low vacancy rate of 2.1%, points to strong rental demand and relatively limited oversupply. At 55km from the Sydney CBD, Cranebrook is not a commuter hotspot for everyone, but it remains viable for tenants and buyers who value affordability and access to the wider Penrith and Western Sydney region. Overall, Cranebrook offers a balanced proposition: a family-oriented suburban market with good tenant fundamentals, moderate lifestyle appeal and credible long-term investment potential, particularly for buyers looking for value and dependable rental performance rather than premium inner-ring growth.

Strengths

  • •Affordable entry price relative to greater Sydney
  • •Strong rental demand supported by a 2.1% vacancy rate
  • •Healthy house yield of 4.2% for investors
  • •Good growth potential at 75/100

Opportunities

  • •Value-driven capital growth as Western Sydney continues expanding
  • •Strong appeal to first-home buyers seeking lower-priced Sydney stock
  • •Rental portfolio growth from reliable tenant demand and low vacancy
  • •Potential upside from local infrastructure and amenity improvements

Considerations

  • •55km distance to Sydney CBD limits appeal for daily city commuters
  • •Walkability score of 55/100 means residents rely more on cars
  • •Lifestyle offering is more suburban than high amenity or urban

A decision, not just a search · Cranebrook

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

Median House

$720K

+4.2% 1yr

Median Unit

$485K

+3.8% 1yr

Median Townhouse

$620K

Rent (House)

$580/wk

Rent (Unit)

$475/wk

Days on Market

35

Vacancy Rate

2.1%

Auction Clearance

68.0%

Price Growth

Type1 Year3 Year5 Year
House+4.2%+18.5%+32.8%
Unit+3.8%+16.2%+28.5%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.5%

Investment Scorecard

Overall Investment Score72/100
Growth Potential75/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Cranebrook at median house price

Stamp Duty Estimate
Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+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
$30,160

$580/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$25,280

Negatively geared

Tax benefit (39% MTR)
+$9,859

Reduces taxable income until 1 July 2027

After-tax holding cost
$15,421/yr

~$297/week

Land Tax Exposure
Est. land value
$432,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $6,612

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

Est. value
$989,244
Capital gain
$238,714
Assessable gain
$140,088
CGT payable
$54,635

10-Year Hold

Est. value
$1.36M
Capital gain
$608,643
Assessable gain
$398,431
CGT payable
$155,388

Investor Quick Summary

Entry cost (stamp duty)

$26,930

After-tax yield

2.56%

Weekly holding cost

$297/wk

10yr CGT (est.)

$155,388

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

8,500

Median Age

34

Median Income

$78K

per annum

Family Households

58.0%

Professionals

32.0%

University Educated

28.0%

Unemployment

6.2%

Born Overseas

35.0%

Dwelling Mix

Houses: 68%Units: 22%Townhouses: 10%Total: 3,200

Lifestyle & Community

Walkability55/100
Public Transport5/10
Schools Rating7/10
Safety7/10
Family Friendly8/10
Cafes & Restaurants

12

Parks

8

Hospitals

1

Distance to CBD

55.0 km

Nearest Station: Penrith Station

Outdoor recreation focused with river access, family-friendly parks, local sporting clubs, and community events. Quiet suburban lifestyle with good access to regional amenities.

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Data sourced from multiple sources. Last updated 27 April 2026.

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