North Rocks
Investment Score
78
/100
AI Intelligence Summary
North Rocks presents as an established, family-oriented suburb in Sydney's Hills District, offering a compelling blend of residential amenity and investment potential. With a median house price of $1,650,000, the suburb positions itself in the premium mid-market segment, attracting affluent families seeking quality education and a safe community environment. The population of 4,200 enjoys a median income of $98,000, reflecting the area's professional demographic. The suburb's excellent schools rating of 8.0/10 and matching safety rating of 8.0/10 underscore its appeal to families prioritizing education and security. Located 25km from the CBD, North Rocks offers a reasonable commute while maintaining a suburban lifestyle characterized by leafy streets and established homes. The walkability score of 65.0/100 indicates moderate pedestrian accessibility, with residents having access to local amenities while remaining car-dependent for many activities. From an investment perspective, North Rocks demonstrates solid fundamentals with an investment score of 78.0/100 and growth potential of 75.0/100. The rental yield of 3.2% for houses is typical for established Sydney suburbs in this price bracket, while the low vacancy rate of 1.8% signals strong rental demand and market stability. The unit market at $850,000 provides an accessible entry point for investors and downsizers. The suburb's position in the Hills District benefits from ongoing infrastructure development and the area's reputation as a family-friendly enclave, suggesting continued capital growth prospects supported by consistent demand from owner-occupiers and investors alike.
Strengths
- •Exceptional schools rating of 8.0/10 attracting education-focused families and supporting long-term property demand
- •High safety rating of 8.0/10 providing peace of mind for families and enhancing suburb desirability
- •Strong investment score of 78.0/100 indicating solid fundamentals and market confidence
- •Very low vacancy rate of 1.8% demonstrating consistent rental demand and market stability
Opportunities
- •Growth potential of 75.0/100 suggesting continued capital appreciation in the medium term
- •Low vacancy rate of 1.8% enabling investors to capitalize on strong rental demand with minimal void periods
- •Unit market at $850,000 offering accessible entry point for first-time investors and downsizers
- •Hills District infrastructure development and population growth driving ongoing demand
Considerations
- •Premium median house price of $1,650,000 creating affordability barriers for first-home buyers
- •Modest rental yield of 3.2% limiting immediate cash flow returns for property investors
- •Distance of 25km from CBD resulting in longer commute times and car dependency
- •Moderate walkability score indicating limited public transport options and pedestrian infrastructure
A decision, not just a search · North Rocks
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
$1.65M
+8.5% 1yr
$850K
+6.2% 1yr
$1.20M
$1,050/wk
$670/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.0% | +45.0% |
| Unit | +6.2% | +18.5% | +38.0% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for North Rocks 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.
$1050/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$850/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $15,540
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 9.0% 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)
$73,140
After-tax yield
1.95%
Weekly holding cost
$850/wk
10yr CGT (est.)
$659,032
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
4,200
42
$98K
per annum
68.0%
52.0%
48.0%
3.8%
38.0%
Dwelling Mix
Lifestyle & Community
12
6
1
25.0 km
Nearest Station: Carlingford Station
Family-focused lifestyle with excellent schools, parks, local shopping, and community sporting facilities. The area offers a suburban feel with convenient access to major centres and good recreational opportunities for all ages.
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Data sourced from multiple sources. Last updated 15 April 2026.