Windsor
Investment Score
75
/100
AI Intelligence Summary
Windsor, NSW 2756 is a historic suburb located in the Hawkesbury Local Government Area, approximately 56km northwest of Sydney CBD. Established in 1794, Windsor is one of Australia's oldest settlements, featuring a charming heritage town center with boutique shopping and well-preserved colonial architecture. The suburb offers a unique blend of historical character and modern amenities, positioned along the picturesque Hawkesbury River which provides excellent recreational opportunities including boating, fishing, and riverside dining. Windsor has experienced significant growth due to its inclusion in Sydney's North West Growth Area and benefits from improving infrastructure connections. The community enjoys a relaxed, semi-rural lifestyle while maintaining reasonable access to Sydney's employment centers via Windsor Road and the M2 motorway. The area attracts established families, young professionals seeking affordable alternatives to inner Sydney, and investors drawn to the suburb's heritage appeal and growth potential. With quality schools, medical facilities, and regular community events like the annual Windsor Festival, the suburb maintains a strong sense of community identity while evolving to meet modern residential demands.
Strengths
- •Historic heritage character with preserved colonial architecture
- •Scenic Hawkesbury River location with recreational opportunities
- •Strong community identity with regular festivals and events
- •Growing infrastructure and transport improvements
Opportunities
- •Planned North West Metro transport improvements
- •Heritage tourism development potential
- •Riverside commercial and dining precinct expansion
- •New residential developments on suburb outskirts
Considerations
- •Limited public transport options compared to metro areas
- •Distance from Sydney CBD affecting commute times
- •Heritage restrictions may limit development potential
- •Flood risk due to river proximity in some areas
A decision, not just a search · Windsor
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
$1.25M
+8.5% 1yr
$650K
+6.8% 1yr
$950K
$780/wk
$520/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +8.5% | +22.3% | +45.2% |
| Unit | +6.8% | +18.5% | +38.7% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Windsor 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.
$780/wk
Negatively geared
Reduces taxable income until 1 July 2027
~$653/week
Land Tax Exposure
~60% of median price
Below threshold
Annual: $11,700
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 9.0% 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)
$51,140
After-tax yield
1.95%
Weekly holding cost
$653/wk
10yr CGT (est.)
$505,640
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
42
$95K
per annum
68.0%
42.0%
35.0%
4.2%
28.0%
Dwelling Mix
Lifestyle & Community
28
12
1
56.0 km
Nearest Station: Richmond Station
Heritage town center living with boutique shopping, riverside dining, recreational boating, farmers markets, and community festivals in a semi-rural setting with Sydney accessibility.
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Data sourced from multiple sources. Last updated 11 April 2026.