Ryde
Investment Score
75
/100
AI Intelligence Summary
Ryde (NSW 2112) is an established suburb with a population of 31,907 and a median age of 37 years. The property market shows mixed signals with house prices experiencing an 8.3% decline over 12 months to a median of $2.5 million, while unit prices have grown 14.5% to $698,750. The suburb has strong educational infrastructure with multiple public and private schools including Ryde Public School, Ryde Secondary College, and Holy Cross College. Recent sales activity shows significant variation in property values, from apartments selling around $665,000-$1.35 million to houses ranging from $2.175-$2.8 million. The area has 214 active real estate agencies and over 6,130 sales records, indicating an active property market despite recent house price corrections.
Strengths
- •Strong unit price growth of 14.5% annually
- •Established community with median age of 37
- •Comprehensive educational facilities from K-12
- •Active property market with 214 real estate agencies
Opportunities
- •Unit market showing strong growth potential
- •Diverse property portfolio for different buyer segments
- •Established suburb with potential for infrastructure development
- •Strong rental market with properties available from $380-$460 per week
Considerations
- •House prices declined 8.3% over 12 months
- •High median house price of $2.5 million affecting affordability
- •Some recent sales had prices withheld indicating market uncertainty
A decision, not just a search · Ryde
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
$2.50M
-8.3% 1yr
$699K
+14.5% 1yr
$850/wk
$1,200/wk
42
54.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | -8.3% | — | — |
| Unit | +14.5% | — | — |
Rental Yields
Unit Yield
63.0%
Investment Scorecard
Tax & Financial Intelligence
CPA-grade analysis for Ryde 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.
$850/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$1,740/week
Land Tax Exposure
~60% of median price
Annual: $6,900
Annual: $23,700
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 5.0% p.a. growth (assumed), CPI indexation + 30% minimum rate, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$119,890
After-tax yield
1.08%
Weekly holding cost
$1740/wk
10yr CGT (est.)
$273,996
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
31,907
37
51.0%
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Data sourced from multiple sources. Last updated 11 April 2026.
Data quality score: 56/100