Kyogle
Investment Score
72
/100
AI Intelligence Summary
Kyogle, 2474, presents itself as an appealing regional hub in northern NSW, characterized by its affordability and strong community feel. With a median house price significantly below metropolitan averages at $385,000, it offers an accessible entry point into the property market for first-time buyers, families, and those seeking a tree-change. The town's population of 2,800 is indicative of a close-knit community, a sentiment reinforced by its excellent Safety Rating of 8.0/10. This is a place where residents can enjoy a relaxed pace of life without compromising on essential services. The robust Investment Score of 72.0/100, coupled with a respectable Growth Potential of 68.0/100, highlights Kyogle's attractiveness to investors. The impressive rental yield of 4.8% for houses and a low vacancy rate of 1.8% underscore the strong demand for rental properties, indicating a stable and potentially lucrative income stream for landlords. While its distance from a major CBD (758.0km) signifies a truly regional existence, this is often a draw for those looking to escape urban congestion. The median income of $42,000 reflects the regional economic landscape, suggesting a focus on local industries and services. Although the Walkability Score of 45.0/100 implies a reliance on vehicles for daily errands, the community's size often means amenities are still easily accessible. The Schools Rating of 6.0/10 suggests a solid educational foundation, with room for improvement. Overall, Kyogle offers a balanced lifestyle proposition with significant investment potential in a friendly, safe environment.
Strengths
- •Highly affordable property prices for both houses and units, offering accessible entry to the market.
- •Strong investment potential with a high Investment Score and solid Growth Potential.
- •Attractive rental market demonstrated by a healthy 4.8% rental yield and low 1.8% vacancy rate.
- •Excellent safety rating contributing to a secure and family-friendly environment.
Opportunities
- •Growth in regional migration driving demand for affordable housing and rental properties.
- •Potential for increased local business and service development to cater to a growing population.
- •Infrastructure improvements to enhance connectivity and accessibility within the region.
Considerations
- •Lower median income compared to metropolitan areas, potentially impacting local spending power.
- •Limited walkability suggesting a reliance on private transportation for daily activities.
- •Significant distance from major CBDs, potentially impacting access to a wider range of services and employment opportunities.
A decision, not just a search · Kyogle
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
$385K
+3.2% 1yr
$280K
+2.8% 1yr
$350/wk
$280/wk
65
1.8%
55.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +3.2% | +12.8% | +25.5% |
| Unit | +2.8% | +10.5% | +22.0% |
Rental Yields
House Yield
4.8%
Unit Yield
5.2%
Investment Scorecard
Demand/Supply Ratio: 1.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Kyogle at median house price
Stamp Duty Estimate
Save $11,855
+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.
$350/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$134/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $3,396
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 5.1% 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)
$11,855
After-tax yield
2.93%
Weekly holding cost
$134/wk
10yr CGT (est.)
$47,834
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
2,800
48
$42K
per annum
58.0%
25.0%
18.0%
8.2%
15.0%
Dwelling Mix
Lifestyle & Community
8
4
1
758.0 km
Nearest Station: Casino Station
Quiet country living with outdoor recreation opportunities, community events, and proximity to natural attractions
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Data sourced from multiple sources. Last updated 16 April 2026.