Fairlight
Investment Score
78
/100
AI Intelligence Summary
Fairlight, a picturesque suburb in New South Wales, offers a unique blend of lifestyle, market position, and investment outlook. With a median house price of $2,850,000 and a median unit price of $1,450,000, Fairlight is an exclusive and highly sought-after area. The suburb's population of 1,800 residents enjoys a high median income of $95,000, contributing to its affluent atmosphere. Fairlight's walkability score of 75.0/100, schools rating of 8.0/10, and safety rating of 9.0/10 make it an attractive choice for families and professionals. Although located 17.0 km from the CBD, Fairlight's investment score of 78.0/100 and growth potential of 75.0/100 indicate a promising outlook for investors. The rental yield for houses is 2.8%, and the vacancy rate is a low 1.8%, suggesting strong demand for properties in the area. Overall, Fairlight presents a compelling opportunity for those seeking a high-end lifestyle and a potentially lucrative investment.
Strengths
- •High median income and affluent demographic
- •Excellent schools and safety ratings
- •Strong investment score and growth potential
- •Low vacancy rate and stable rental demand
Opportunities
- •Potential for long-term capital growth
- •Strong demand for rental properties
- •Opportunity to renovate or develop existing properties
Considerations
- •High entry prices for properties
- •Limited affordability for first-home buyers
- •Distance from the CBD may deter some commuters
A decision, not just a search · Fairlight
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
+8.5% 1yr
$1.45M
+7.2% 1yr
$1,550/wk
$950/wk
42
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.8% | +45.2% |
| Unit | +7.2% | +19.5% | +38.7% |
Rental Yields
House Yield
2.8%
Unit Yield
3.4%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Fairlight 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 9.0% 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.)
$1.14M
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
1,800
48
$95K
per annum
58.0%
52.0%
48.0%
3.2%
38.0%
Dwelling Mix
Lifestyle & Community
15
6
1
17.0 km
Nearest Station: Wynyard (via ferry from Manly)
Premium beachside living with access to water sports, coastal walks, quality dining in nearby Manly, and a relaxed community environment perfect for families and professionals.
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Data sourced from multiple sources. Last updated 19 April 2026.