North Richmond
Investment Score
72
/100
AI Intelligence Summary
North Richmond, NSW 2754, is a semi-rural suburb located approximately 65 km northwest of Sydney’s CBD. With a population of around 1,850, North Richmond offers a peaceful, community-oriented lifestyle that appeals to families, retirees, and those seeking a quieter alternative to city living. The suburb is characterised by its spacious properties, leafy streets, and proximity to the Hawkesbury River and Blue Mountains, making it ideal for outdoor enthusiasts and those who value natural surroundings. The local property market is relatively affordable compared to Sydney’s inner suburbs, with a median house price of $750,000 and a median unit price of $485,000. This affordability, combined with a solid rental yield of 4.2% and a low vacancy rate of 2.1%, makes North Richmond an attractive option for both homebuyers and investors. The suburb’s investment score of 72/100 and growth potential of 68/100 indicate steady demand and room for future capital appreciation, particularly as infrastructure and amenities continue to improve. North Richmond’s safety rating is notably high at 8.0/10, contributing to its appeal for families and those prioritising a secure environment. The area’s schools receive a moderate rating of 6.0/10, providing satisfactory educational options, though there is room for improvement. The median household income of $68,000 reflects a stable, middle-income demographic. While North Richmond offers a tranquil lifestyle, its walkability score of 35/100 suggests limited access to amenities on foot, and residents may rely on cars for daily needs. However, ongoing development and the suburb’s proximity to larger centres like Richmond and Windsor provide access to broader services and employment opportunities. Overall, North Richmond presents a balanced mix of lifestyle appeal, affordability, and investment potential, making it a suburb to watch for both owner-occupiers and investors.
Strengths
- •Affordable median house and unit prices compared to Sydney averages
- •High safety rating, fostering a secure community environment
- •Strong rental yield and low vacancy rate, appealing to investors
- •Proximity to natural attractions like the Hawkesbury River and Blue Mountains
Opportunities
- •Potential for capital growth as infrastructure and amenities expand
- •Appeal to renters and investors due to strong yields and low vacancy
- •Scope for improvement in local schools and services to attract more families
Considerations
- •Low walkability score, requiring reliance on private transport
- •Moderate school ratings, with room for educational improvement
- •Distance from Sydney CBD may limit access to some employment and cultural opportunities
A decision, not just a search · North Richmond
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
$750K
+4.2% 1yr
$485K
+3.8% 1yr
$610/wk
$475/wk
38
2.1%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +4.2% | +18.5% | +32.8% |
| Unit | +3.8% | +16.2% | +28.5% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Investment Scorecard
Demand/Supply Ratio: 1.20
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for North Richmond at median house price
Stamp Duty Estimate
Save $28,280
+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.
$610/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$305/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $6,900
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)
$28,280
After-tax yield
2.56%
Weekly holding cost
$305/wk
10yr CGT (est.)
$161,749
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
1,850
42
$68K
per annum
72.0%
32.0%
28.0%
4.2%
22.0%
Dwelling Mix
Lifestyle & Community
3
4
65.0 km
Nearest Station: Richmond Station
Peaceful rural living with river access, outdoor recreation, and community events
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Data sourced from multiple sources. Last updated 26 April 2026.