Oatley
Investment Score
78
/100
AI Intelligence Summary
Oatley, located 23 kilometers south of the Sydney CBD, is a highly sought-after suburb that offers a unique blend of natural beauty, excellent schools, and a strong sense of community. With a median house price of $1,350,000 and a median unit price of $680,000, Oatley is an attractive option for both families and investors. The suburb's high schools rating of 8.0/10 and safety rating of 8.0/10 make it an ideal location for families, while its investment score of 78.0/100 and growth potential of 75.0/100 make it a compelling choice for investors. The suburb's walkability score of 65.0/100 and proximity to public transport options also make it an attractive option for those who value convenience and accessibility. With a median income of $95,000 and a low vacancy rate of 1.8%, Oatley is a suburb that is in high demand, and its rental yield of 2.8% makes it an attractive option for investors looking to generate a steady income stream.
Strengths
- •Highly regarded schools with a rating of 8.0/10
- •Strong sense of community with a population of 6,800
- •Excellent safety record with a safety rating of 8.0/10
- •Attractive investment option with an investment score of 78.0/100
Opportunities
- •Potential for renovation and redevelopment of existing properties to increase value
- •Growing demand for rental properties driven by proximity to schools and public transport
- •Opportunity for investors to capitalize on the suburb's high growth potential and strong investment score
Considerations
- •Limited affordability for first-home buyers due to high median house price
- •Traffic congestion during peak hours due to proximity to major roads
- •Limited entertainment and dining options compared to other suburbs
A decision, not just a search · Oatley
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
$1.35M
+8.5% 1yr
$680K
+6.8% 1yr
$950K
$720/wk
$550/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +28.2% | +45.8% |
| Unit | +6.8% | +22.5% | +38.2% |
Rental Yields
House Yield
2.8%
Unit Yield
4.2%
Townhouse Yield
3.1%
Investment Scorecard
Demand/Supply Ratio: 1.80
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Oatley 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.
$720/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$780/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $12,660
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)
$56,640
After-tax yield
1.71%
Weekly holding cost
$780/wk
10yr CGT (est.)
$559,223
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
6,800
42
$95K
per annum
68.0%
52.0%
45.0%
3.2%
32.0%
Dwelling Mix
Lifestyle & Community
12
8
1
23.0 km
Nearest Station: Oatley Railway Station
Family-oriented lifestyle with emphasis on outdoor recreation, community events, and proximity to both natural amenities and urban conveniences.
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Data sourced from multiple sources. Last updated 19 April 2026.