Gymea
Investment Score
78
/100
AI Intelligence Summary
Gymea is a well-established, family-oriented suburb in the Sutherland Shire, located 26km south of Sydney CBD. With a population of 12,500 and median age of 42, it attracts professionals and families seeking quality lifestyle amenities including proximity to beaches, national parks, and excellent schools. The suburb features predominantly detached houses on generous 650sqm blocks, with median house prices of $1.45M reflecting its premium position within the Shire. Strong infrastructure includes Gymea Railway Station providing direct CBD access, quality educational facilities like Gymea Technology High School, and recreational amenities including Gymea Bay waterfront. The area maintains a strong community feel with low crime rates, excellent family-friendliness ratings, and easy access to both Cronulla beaches and Royal National Park. Property market fundamentals remain solid with steady growth, low vacancy rates, and strong owner-occupier demand driven by the suburb's established character and lifestyle appeal.
Strengths
- •Excellent school catchments including Gymea Technology High School and quality primary schools
- •Premium location with 3km to beaches and Royal National Park access
- •Strong transport connectivity via Gymea Railway Station and major road networks
- •Established family community with low crime rates and high safety ratings
Opportunities
- •Potential infrastructure upgrades from Sydney Metro expansion considerations
- •Growing appeal as families seek lifestyle suburbs with space
- •Redevelopment potential around transport nodes
- •Increasing demand for quality school catchment areas
Considerations
- •High median house prices limiting affordability for first home buyers
- •Distance from CBD requiring 45-50 minute commute times
- •Limited apartment stock reducing rental investment options
- •Aging demographic may impact future demand dynamics
A decision, not just a search · Gymea
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
$1.45M
+8.5% 1yr
$750K
+6.8% 1yr
$980K
$900/wk
$690/wk
42
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +38.0% |
| Unit | +6.8% | +18.5% | +32.0% |
Rental Yields
House Yield
3.2%
Unit Yield
4.8%
Townhouse Yield
3.8%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Gymea 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.
$900/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$761/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $13,620
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 7.6% 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)
$62,140
After-tax yield
1.95%
Weekly holding cost
$761/wk
10yr CGT (est.)
$417,871
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
12,500
42
$95K
per annum
68.0%
45.0%
42.0%
3.8%
32.0%
Dwelling Mix
Lifestyle & Community
25
12
2
26.0 km
Nearest Station: Gymea Railway Station
Family-friendly lifestyle with beaches, parks, quality schools, local shopping village, waterfront dining at Gymea Bay, and strong community sporting facilities
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Data sourced from multiple sources. Last updated 11 April 2026.