True Cost of Buying in Cambridge Gardens
2747 NSW · 52km to CBD
A decision, not just a search · Cambridge Gardens
Does the lower estimated monthly cost make a property the better buy?
Only under the assumptions entered—and cost is not the whole decision. This model compares scenarios, not lender approval, building condition or personal suitability. Replace defaults with current quotes and documents, then test whether the cost remains manageable when circumstances change.
Questions that could change the answer
- Which costs are current supplied figures, and which are model defaults?
- What happens to your buffer if interest, repairs or vacancy costs rise?
- What finance, contract or inspection condition remains unresolved before an offer?
Evidence to obtain—not yet verified here
- Current lender terms and approval conditions, not only a borrowing estimate.
- Dated levy notices, rates, insurance quotes and maintenance information.
- Contract advice, inspection findings and comparable sales evidence.
Other options: Lower the price limit, compare another property or wait for critical checks. A favourable model result is not a recommendation to make an unconditional offer.
Next action: Re-run the existing calculator with documented inputs, then agree your conditions and walk-away point with the relevant professionals.
When to revisit: Revisit when any input, approval condition, price or property finding changes.
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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Market Intelligence
Cambridge Gardens is a family-oriented suburb in Western Sydney's Penrith local government area, offering affordable housing options and a quiet residential lifestyle. Located approximately 50km from Sydney CBD, the suburb attracts first home buyers and young families seeking value for money in the growing Western Sydney corridor. The area features predominantly detached housing with some townhouses and units, supported by local amenities including Cambridge Gardens Public School and several parks. With strong connectivity to Penrith CBD and access to the M4 motorway, residents benefit from both suburban tranquility and urban accessibility. The property market has shown steady growth aligned with broader Western Sydney trends, with competitive rental demand reflecting the area's appeal to families and professionals. The suburb's multicultural community, established infrastructure, and ongoing regional development initiatives position it well for continued growth. While public transport options are limited to bus services, the proximity to major employment centers and shopping precincts in Penrith enhances its residential appeal.
Market Snapshot
Median House
$685K
+6.2% 1yr
Median Apartment
$485K
+4.8% 1yr
Median Townhouse
$580K
Vacancy Rate
1.8%
32 avg DOM
Yield (Apartment)
5.1%
Yield (House)
4.2%
Auction Clearance
68%
Population
3,200
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$485,000
Stamp Duty
$16,355
1st Year Total
$41,924
House
Purchase Price
$685,000
Stamp Duty
$25,355
1st Year Total
$50,093
Townhouse
Purchase Price
$580,000
Stamp Duty
$20,630
1st Year Total
$45,296
Run Your Own Numbers
These are median figures. Plug in the actual property you're looking at to see your real all-in cost — including first-home concessions, investment deductions, or different deposit amounts.
Community Profile
Median Income
$68,000
Median Age
34
Family Households
58%
Owner-Occupied
62%
Walkability
45/100
Public Transport
5/10
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