Kurraba Point
Investment Score
78
/100
AI Intelligence Summary
Kurraba Point is an exclusive harbourside suburb in North Sydney, renowned for its premium waterfront properties and stunning harbour views. With a population of approximately 1,200 residents, this small, affluent enclave attracts established professionals and families seeking prestige and tranquility just 4km from Sydney CBD. The suburb features predominantly heritage-listed detached houses on large lots, creating low population density and a village-like atmosphere. Property values are among Sydney's highest, with median house prices exceeding $5 million, driven by limited supply and exceptional harbour frontage. The community enjoys access to Kurraba Point Reserve, premium private schools nearby, and excellent ferry connections via Neutral Bay wharf. While lacking direct rail access, residents benefit from well-maintained infrastructure, very low crime rates, and proximity to Neutral Bay's shopping and dining precinct. The suburb's heritage restrictions maintain its character but limit development opportunities, contributing to strong capital growth and minimal rental vacancy rates.
Strengths
- •Premium harbourside location with exceptional water views
- •Heritage-listed properties maintaining suburb character and exclusivity
- •Very low crime rates and excellent safety record
- •Strong capital growth potential due to limited housing supply
Opportunities
- •Continued harbour frontage premium driving long-term capital growth
- •Potential for luxury renovation projects within heritage guidelines
- •Growing demand for prestige properties from high-net-worth individuals
- •Infrastructure improvements in North Sydney benefiting the area
Considerations
- •No direct rail access requiring bus connections to transport hubs
- •Limited parking availability in commercial areas
- •Heritage restrictions constraining development and renovation options
- •Very high property prices limiting buyer pool
A decision, not just a search · Kurraba Point
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
$5.20M
+8.5% 1yr
$1.85M
+6.2% 1yr
$2,800/wk
$1,200/wk
32
0.8%
78.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +28.2% | +45.8% |
| Unit | +6.2% | +22.5% | +38.4% |
Rental Yields
House Yield
2.8%
Unit Yield
3.2%
Investment Scorecard
Demand/Supply Ratio: 2.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Kurraba Point 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.
$2800/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$2,989/week
Land Tax Exposure
~60% of median price
Annual: $32,820
Annual: $49,620
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 9.2% 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)
$291,850
After-tax yield
1.71%
Weekly holding cost
$2989/wk
10yr CGT (est.)
$2.12M
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
1,200
45
$185K
per annum
68.0%
58.0%
72.0%
2.8%
38.0%
Dwelling Mix
Lifestyle & Community
12
4
2
4.2 km
Nearest Station: North Sydney Station
Premium harbourside lifestyle with access to recreational facilities, fine dining nearby, and cultural attractions within easy reach of the CBD.
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Data sourced from multiple sources. Last updated 27 March 2026.