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Orange

NSW 2800LGA: Orange City Council

Investment Score

78

/100

AI Intelligence Summary

Orange is a thriving regional city in NSW's Central West, located 260km west of Sydney with a population of approximately 40,000. Known for its cool climate viticulture, excellent educational facilities including Charles Sturt University, and strong healthcare services anchored by Orange Base Hospital, the city serves as a major service center for the region. The property market has demonstrated resilience with steady growth driven by tree change migration and regional employment opportunities. Orange offers an exceptional lifestyle with a vibrant food and wine scene, rich cultural offerings, and excellent recreational facilities. The city benefits from strong infrastructure including Orange Airport with regular Sydney services, comprehensive road networks, and ongoing digital connectivity improvements. Housing supply remains limited, supporting price stability, while the rental market stays tight with low vacancy rates. Orange attracts diverse demographics from young professionals to retirees, drawn by the combination of regional employment opportunities, educational facilities, and high quality of life in a picturesque setting surrounded by vineyards and rural landscapes.

Strengths

  • •Strong regional employment hub with diverse economy
  • •Excellent educational facilities including university campus
  • •Vibrant food, wine and cultural scene
  • •Quality healthcare services and infrastructure

Opportunities

  • •Tree change migration trend continuing
  • •Infrastructure development projects underway
  • •Growing wine and tourism industry
  • •University expansion potential

Considerations

  • •Limited public transport options within city
  • •Housing supply constraints affecting affordability
  • •Distance from major metropolitan centers
  • •Potential economic vulnerability to regional downturns

A decision, not just a search · Orange

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

Median House

$580K

+6.2% 1yr

Median Unit

$385K

+5.8% 1yr

Median Townhouse

$495K

Rent (House)

$480/wk

Rent (Unit)

$380/wk

Days on Market

42

Vacancy Rate

1.8%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+6.2%+18.5%+32.8%
Unit+5.8%+16.2%+28.5%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.5%

Investment Scorecard

Overall Investment Score78/100
Growth Potential82/100
Cashflow Score75/100
Risk Score (lower = safer)72/100
Affordability Index72/100

Demand/Supply Ratio: 1.80

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Orange at median house price

Stamp Duty Estimate
Standard transfer
$20,630
First Home Buyer
Exempt

Save $20,630

Foreign buyer surcharge
$46,400

+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.

Annual rent income
$24,960

$480/wk

Interest (80% LVR @ 6.5%)
-$30,160
Other expenses (~2.5%)
-$14,500
Net rental position
-$19,700

Negatively geared

Tax benefit (39% MTR)
+$7,683

Reduces taxable income until 1 July 2027

After-tax holding cost
$12,017/yr

~$231/week

Land Tax Exposure
Est. land value
$348,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $5,268

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

Est. value
$796,891
Capital gain
$193,361
Assessable gain
$114,052
CGT payable
$44,480

10-Year Hold

Est. value
$1.09M
Capital gain
$491,359
Assessable gain
$322,320
CGT payable
$125,705

Investor Quick Summary

Entry cost (stamp duty)

$20,630

After-tax yield

2.56%

Weekly holding cost

$231/wk

10yr CGT (est.)

$125,705

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

Population

40,500

Median Age

38

Median Income

$65K

per annum

Family Households

68.0%

Professionals

42.0%

University Educated

35.0%

Unemployment

4.2%

Born Overseas

18.0%

Dwelling Mix

Houses: 72%Units: 22%Townhouses: 6%Total: 16,800

Lifestyle & Community

Walkability65/100
Public Transport4/10
Schools Rating8/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

85

Parks

12

Hospitals

1

Distance to CBD

260.0 km

Nearest Station: Bathurst Railway Station

Wine country lifestyle with excellent dining, cultural events, outdoor recreation, and strong community connections in a picturesque rural setting

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Data sourced from multiple sources. Last updated 11 April 2026.

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