Holsworthy
Investment Score
72
/100
AI Intelligence Summary
Holsworthy, NSW 2173, is a suburb that offers a unique blend of lifestyle, market position, and investment outlook. With a median house price of $820,000 and a median unit price of $580,000, the area presents a relatively affordable option for homebuyers and investors alike. The suburb's population of 8,200 residents enjoys a moderate walkability score of 55, indicating a mix of local amenities and services within walking distance. While the schools rating of 6.0 and safety rating of 7.0 may not be the highest, they still provide a decent foundation for families and individuals. The distance to the CBD, at 31 kilometers, may be a consideration for some, but the investment score of 72 and growth potential of 75 suggest a promising outlook for those looking to buy and hold. The rental yield for houses is a respectable 4.2%, and the vacancy rate of 1.8% indicates a relatively stable rental market. Overall, Holsworthy presents a compelling opportunity for those seeking a balance of lifestyle, affordability, and investment potential in the NSW market.
Strengths
- •Relatively affordable median house and unit prices
- •Moderate walkability score with local amenities
- •Decent schools and safety ratings
- •High investment score and growth potential
Opportunities
- •Potential for long-term capital growth due to high growth potential
- •Opportunity to capitalize on relatively affordable prices for renovation or development
- •Growing demand for rental properties due to stable rental market
Considerations
- •Distance to CBD may be a consideration for some
- •Schools and safety ratings could be improved
- •Limited public transportation options may impact walkability
A decision, not just a search · Holsworthy
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
$820K
+5.2% 1yr
$580K
+4.8% 1yr
$720K
$660/wk
$570/wk
32
1.8%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +5.2% | +18.5% | +32.8% |
| Unit | +4.8% | +16.2% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Holsworthy at median house price
Stamp Duty Estimate
Save $28,287
+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.
$660/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$338/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $7,572
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
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$31,430
After-tax yield
2.56%
Weekly holding cost
$338/wk
10yr CGT (est.)
$176,590
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
8,200
34
$78K
per annum
68.0%
38.0%
32.0%
4.8%
45.0%
Dwelling Mix
Lifestyle & Community
12
8
1
31.0 km
Nearest Station: Holsworthy Station
Suburban family lifestyle with parks, recreational facilities, community sporting clubs, and proximity to Georges River for outdoor activities.
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Data sourced from multiple sources. Last updated 23 April 2026.