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South Hurstville

NSW 2221LGA: Georges River Council

Investment Score

76

/100

AI Intelligence Summary

South Hurstville is a well-established residential suburb located 18km south of Sydney CBD in the St George region. The area is characterized by its diverse multicultural population, particularly Chinese, Greek, and Italian communities, creating a vibrant cultural atmosphere. The suburb offers excellent connectivity with Hurstville Station just 1.5km away on the T4 line, complemented by comprehensive bus services. Housing stock is predominantly detached homes with some unit developments and townhouses, making it attractive to first home buyers and investors seeking more affordable alternatives to nearby Hurstville. The community benefits from quality local amenities including South Hurstville Public School, proximity to Westfield Hurstville, and recreational facilities like Gannons Park. The property market has shown steady growth with gentrification pressure gradually improving values while maintaining relative affordability compared to surrounding areas. Strong infrastructure development through Georges River Council and broader Sydney transport investments position the suburb well for continued growth.

Strengths

  • •Excellent transport connectivity to Sydney CBD via nearby Hurstville Station
  • •More affordable property prices compared to neighboring Hurstville
  • •Strong multicultural community with established amenities
  • •Quality local schools and proximity to Westfield Hurstville shopping

Opportunities

  • •Continued infrastructure improvements through Georges River Council
  • •Growing demand from first home buyers seeking affordability
  • •Potential for medium-density development along transport corridors
  • •Benefit from broader Sydney Metro infrastructure investments

Considerations

  • •Increasing gentrification pressure affecting affordability
  • •Limited direct train access requiring bus connections
  • •Competition from nearby better-connected suburbs
  • •Potential overdevelopment impacting neighborhood character

A decision, not just a search · South Hurstville

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

$1.35M

+9.2% 1yr

Median Unit

$720K

+7.8% 1yr

Median Townhouse

$980K

Rent (House)

$850/wk

Rent (Unit)

$580/wk

Days on Market

32

Vacancy Rate

1.8%

Auction Clearance

74.0%

Price Growth

Type1 Year3 Year5 Year
House+9.2%+28.5%+45.8%
Unit+7.8%+24.2%+38.6%

Rental Yields

House Yield

3.2%

Unit Yield

4.1%

Townhouse Yield

3.6%

Investment Scorecard

Overall Investment Score76/100
Growth Potential78/100
Cashflow Score68/100
Risk Score (lower = safer)68/100
Affordability Index72/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for South Hurstville at median house price

Stamp Duty Estimate
Standard transfer
$56,640
First Home Buyer
$56,640
Foreign buyer surcharge
$108,000

+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
$44,200

$850/wk

Interest (80% LVR @ 6.5%)
-$70,200
Other expenses (~2.5%)
-$33,750
Net rental position
-$59,750

Negatively geared

Tax benefit (39% MTR)
+$23,303

Reduces taxable income until 1 July 2027

After-tax holding cost
$36,447/yr

~$701/week

Land Tax Exposure
Est. land value
$810,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

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

Est. value
$2.09M
Capital gain
$679,042
Assessable gain
$493,311
CGT payable
$192,391

10-Year Hold

Est. value
$3.24M
Capital gain
$1.83M
Assessable gain
$1.43M
CGT payable
$559,223

Investor Quick Summary

Entry cost (stamp duty)

$56,640

After-tax yield

1.95%

Weekly holding cost

$701/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

Population

4,200

Median Age

38

Median Income

$68K

per annum

Family Households

58.0%

Professionals

42.0%

University Educated

38.0%

Unemployment

4.2%

Born Overseas

48.0%

Dwelling Mix

Houses: 72%Units: 24%Townhouses: 4%Total: 1,680

Lifestyle & Community

Walkability68/100
Public Transport7/10
Schools Rating7/10
Safety8/10
Family Friendly8/10
Cafes & Restaurants

12

Parks

4

Hospitals

1

Distance to CBD

18.0 km

Nearest Station: Hurstville Station

Relaxed suburban lifestyle with access to parks, recreational facilities, quality schools, and proximity to major shopping at Westfield Hurstville. Strong community networks and cultural diversity create a welcoming environment for families.

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

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