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Tahmoor

NSW 2573LGA: Wollondilly Shire

Investment Score

74

/100

AI Intelligence Summary

Tahmoor is a family-oriented suburb located approximately 80km southwest of Sydney CBD in the Wollondilly Shire, offering an attractive blend of affordability and lifestyle appeal. The suburb features a mix of established homes and newer developments, with excellent rail connectivity to Sydney via the Southern Highlands line. Local amenities include Tahmoor Public School, Tahmoor Shopping Village, and various recreational facilities including parks and sporting grounds. The area attracts families seeking larger properties and a tree-change lifestyle while maintaining reasonable commuting access to Sydney. Property values remain affordable compared to inner Sydney suburbs, with steady growth over recent years. The community benefits from NBN broadband infrastructure and ongoing road improvements along Remembrance Driveway. With its established residential character, good transport links, and family-friendly amenities, Tahmoor represents solid value in the outer Sydney market while offering a more relaxed lifestyle away from urban density.

Strengths

  • •Direct train services to Sydney CBD via Southern Highlands line
  • •Affordable housing compared to inner Sydney suburbs
  • •Strong family-oriented community with established amenities
  • •Mix of established homes and new developments providing choice

Opportunities

  • •Potential for continued property value growth as Sydney expands outward
  • •Development of additional retail and commercial facilities
  • •Improved transport infrastructure as part of Macarthur region development
  • •Growing appeal for families seeking affordable lifestyle change

Considerations

  • •Distance from Sydney CBD requiring longer commute times
  • •Limited local employment opportunities
  • •Fewer dining and entertainment options compared to inner suburbs
  • •Dependence on car transport for most daily activities

A decision, not just a search · Tahmoor

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

$720K

+7.2% 1yr

Median Unit

$500K

+6.8% 1yr

Median Townhouse

$620K

Rent (House)

$580/wk

Rent (Unit)

$490/wk

Days on Market

38

Vacancy Rate

2.1%

Auction Clearance

72.0%

Price Growth

Type1 Year3 Year5 Year
House+7.2%+18.5%+32.8%
Unit+6.8%+16.2%+28.5%

Rental Yields

House Yield

4.2%

Unit Yield

5.1%

Townhouse Yield

4.5%

Investment Scorecard

Overall Investment Score74/100
Growth Potential78/100
Cashflow Score72/100
Risk Score (lower = safer)68/100
Affordability Index68/100

Demand/Supply Ratio: 1.40

Demand exceeds supply — favourable for sellers

Tax & Financial Intelligence

CPA-grade analysis for Tahmoor at median house price

Stamp Duty Estimate
Standard transfer
$26,930
First Home Buyer
Exempt

Save $26,930

Foreign buyer surcharge
$57,600

+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
$30,160

$580/wk

Interest (80% LVR @ 6.5%)
-$37,440
Other expenses (~2.5%)
-$18,000
Net rental position
-$25,280

Negatively geared

Tax benefit (39% MTR)
+$9,859

Reduces taxable income until 1 July 2027

After-tax holding cost
$15,421/yr

~$297/week

Land Tax Exposure
Est. land value
$432,000

~60% of median price

Individual threshold
$1,075,000

Below threshold

Trust/company threshold
$25,000 (trust)

Annual: $6,612

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
$989,244
Capital gain
$238,714
Assessable gain
$140,088
CGT payable
$54,635

10-Year Hold

Est. value
$1.36M
Capital gain
$608,643
Assessable gain
$398,431
CGT payable
$155,388

Investor Quick Summary

Entry cost (stamp duty)

$26,930

After-tax yield

2.56%

Weekly holding cost

$297/wk

10yr CGT (est.)

$155,388

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

$82K

per annum

Family Households

68.0%

Professionals

38.0%

University Educated

28.0%

Unemployment

4.2%

Born Overseas

32.0%

Dwelling Mix

Houses: 82%Units: 12%Townhouses: 6%Total: 1,680

Lifestyle & Community

Walkability45/100
Public Transport6/10
Schools Rating7/10
Safety8/10
Family Friendly9/10
Cafes & Restaurants

8

Parks

6

Hospitals

1

Distance to CBD

80.0 km

Nearest Station: Tahmoor Station

Relaxed, family-friendly lifestyle with access to parks, sporting facilities, local shops, and community activities. Offers a good balance of suburban convenience and natural surroundings.

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

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