Naremburn
Investment Score
78
/100
AI Intelligence Summary
Naremburn is an established residential suburb on Sydney's prestigious Lower North Shore, offering excellent proximity to the CBD while maintaining a quiet, family-oriented atmosphere. The suburb is characterized by quality detached homes, well-maintained streets, and strong community amenities including local parks and schools. With easy access to St Leonards train station and major bus routes, residents enjoy seamless connectivity to Sydney's business districts and North Shore commercial hubs like Crows Nest and Chatswood. The area attracts predominantly professional families and couples seeking a premium lifestyle with excellent educational opportunities and recreational facilities. Property values have shown consistent growth over the past decade, supported by limited housing stock and strong demand from owner-occupiers. The suburb benefits from excellent infrastructure, quality local amenities, and the broader appeal of Lower North Shore living, making it a highly sought-after address for both residents and investors.
Strengths
- •Prime Lower North Shore location with excellent CBD connectivity
- •Strong property value growth and market stability
- •Quality local schools and proximity to prestigious North Shore education
- •Well-maintained parks and recreational facilities
Opportunities
- •Continued infrastructure improvements across North Shore
- •Growing demand for quality family suburbs
- •Potential for medium-density development
- •Rental market growth from young professionals
Considerations
- •High property prices limiting affordability
- •Limited housing stock restricting buyer choice
- •Potential traffic congestion during peak periods
- •Higher cost of living compared to outer suburbs
A decision, not just a search · Naremburn
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.
Take this question to a reviewThe question and suggested checks are prefilled for you to edit. No enquiry is sent until you submit and consent.
Property Market
$2.85M
+8.5% 1yr
$1.45M
+6.8% 1yr
$2.20M
$1,550/wk
$980/wk
35
1.2%
78.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +18.2% | +32.5% |
| Unit | +6.8% | +15.5% | +28.3% |
Rental Yields
House Yield
2.8%
Unit Yield
3.5%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Naremburn 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 6.5% 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.)
$587,047
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
2,850
42
$125K
per annum
62.0%
52.0%
68.0%
3.2%
35.0%
Dwelling Mix
Lifestyle & Community
8
4
1
8.0 km
Nearest Station: St Leonards Station
Relaxed suburban lifestyle with quality parks, local cafes, excellent schools, and easy access to North Shore shopping and entertainment precincts
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Data sourced from multiple sources. Last updated 11 April 2026.