Richmond
Investment Score
75
/100
AI Intelligence Summary
Richmond NSW 2753 is a semi-rural suburb located in the Hawkesbury region of Western Sydney, approximately 65km from Sydney CBD. This heritage-rich area combines country charm with modern amenities, offering larger properties and affordable housing compared to inner Sydney. The suburb features historic buildings, parks, and recreational facilities, making it popular with families and first-home buyers seeking space and lifestyle. Richmond is well-connected via the Richmond railway line and major road networks including Windsor Road. The local community enjoys a strong spirit with markets, festivals, and sporting clubs. Property values have shown resilience despite broader market corrections, supported by limited land supply and strong demand from families. The area attracts residents wanting a semi-rural lifestyle within commuting distance of Sydney, with good schools and community facilities. Future infrastructure improvements planned for Western Sydney may enhance the suburb's appeal and connectivity.
Strengths
- •Affordable housing compared to inner Sydney
- •Heritage charm with semi-rural lifestyle
- •Strong rail connectivity to Sydney CBD
- •Good selection of schools and community facilities
Opportunities
- •Western Sydney infrastructure development
- •Growing demand for affordable family housing
- •Potential for heritage tourism development
- •Improved transport connections planned
Considerations
- •Distance from Sydney CBD increases commute times
- •Limited shopping and dining options compared to urban areas
- •Dependence on private transport for local travel
- •Fewer employment opportunities within the suburb
A decision, not just a search · 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.
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
$850K
+3.2% 1yr
$520K
+2.8% 1yr
$680K
$680/wk
$510/wk
38
2.1%
68.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +3.2% | +12.8% | +28.5% |
| Unit | +2.8% | +10.5% | +24.2% |
Rental Yields
House Yield
4.2%
Unit Yield
5.1%
Townhouse Yield
4.5%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Richmond at median house price
Stamp Duty Estimate
Save $24,585
+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.
$680/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$353/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $7,860
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 5.7% 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)
$32,780
After-tax yield
2.56%
Weekly holding cost
$353/wk
10yr CGT (est.)
$134,242
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
8,500
38
$78K
per annum
68.0%
35.0%
28.0%
5.2%
32.0%
Dwelling Mix
Lifestyle & Community
12
8
1
65.0 km
Nearest Station: Richmond Station
Semi-rural lifestyle with heritage buildings, local markets, recreational facilities, and community events. Good balance of country living with urban accessibility.
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Data sourced from multiple sources. Last updated 11 April 2026.