Cremorne
Investment Score
78
/100
AI Intelligence Summary
Cremorne is an exclusive harbourside suburb on Sydney's prestigious Lower North Shore, renowned for its premium location and stunning harbour views. The suburb is characterized by high-density apartment living, with over 70% of housing stock comprising units and apartments, reflecting the geographic constraints of this sought-after peninsula location. The demographic profile is dominated by affluent young professionals and established families who are drawn to the suburb's proximity to both Sydney CBD and North Sydney, excellent public transport connectivity, and prestigious North Shore lifestyle. Property values remain consistently high due to limited supply and strong demand, with the market showing remarkable resilience even during broader economic uncertainties. Cremorne Point Reserve provides residents with world-class recreational amenities and iconic harbour views, while the nearby Neutral Bay precinct offers comprehensive shopping and dining options. The suburb's strategic location, combined with excellent infrastructure and transport links, positions it as one of Sydney's most desirable residential addresses, attracting both owner-occupiers seeking lifestyle and investors pursuing capital growth in a tightly held market.
Strengths
- •Premium harbourside location with stunning water views
- •Excellent public transport connectivity to CBD and North Sydney
- •High-quality apartment stock with modern amenities
- •Strong rental demand from young professionals
Opportunities
- •Continued infrastructure improvements enhancing connectivity
- •Potential for apartment renovations and value-adding
- •Growing demand for harbourside lifestyle properties
- •Development of cycling infrastructure improving accessibility
Considerations
- •Limited parking availability increasing living costs
- •High property prices creating affordability barriers
- •Density constraints limiting housing choice
- •Traffic congestion during peak hours
A decision, not just a search · Cremorne
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
$2.85M
+8.2% 1yr
$1.25M
+6.8% 1yr
$2.10M
$1,550/wk
$780/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.2% | +18.5% | +32.1% |
| Unit | +6.8% | +15.2% | +28.4% |
Rental Yields
House Yield
2.8%
Unit Yield
3.2%
Townhouse Yield
3.0%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Cremorne 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.
$1550/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$1,629/week
Land Tax Exposure
~60% of median price
Annual: $10,260
Annual: $27,060
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 6.4% 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)
$139,140
After-tax yield
1.71%
Weekly holding cost
$1629/wk
10yr CGT (est.)
$571,427
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
36
$95K
per annum
58.0%
52.0%
68.0%
3.2%
42.0%
Dwelling Mix
Lifestyle & Community
25
4
1
6.0 km
Nearest Station: North Sydney Station
Premium harbourside living with excellent recreational amenities, harbour walks, proximity to quality dining and shopping, and strong community connections.
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Data sourced from multiple sources. Last updated 11 April 2026.