What is the true cost of buying an apartment in Campbelltown?

The median apartment in Campbelltown is $485,000. Including stamp duty ($16,355), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $41,924, or $3,494/month.

What does it really cost to buy a house in Campbelltown?

The median house in Campbelltown is $720,000. True first-year cost including stamp duty ($26,930), rates, insurance, maintenance, and mortgage repayments is approximately $52,392.

What is the vacancy rate in Campbelltown?

Campbelltown currently has a vacancy rate of 2.1%. Properties average 32 days on market.

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True Cost of Buying in Campbelltown

2560 NSW · 53km to CBD

Rising

A decision, not just a search · Campbelltown

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

Campbelltown, NSW 2560 is a significant growth suburb in Sydney's southwest Macarthur region, offering excellent value for families and investors. Home to Western Sydney University's Campbelltown campus, the area features strong educational infrastructure, diverse cultural amenities including the renowned Japanese Garden, and major shopping at Macarthur Square. The suburb benefits from direct rail connectivity to Sydney CBD and is positioned to gain substantially from Western Sydney Airport development. With a multicultural population featuring strong Pacific Islander and Indigenous communities, Campbelltown maintains a relatively young demographic profile. The property market offers affordability compared to inner Sydney while experiencing steady growth driven by infrastructure investments. Strong rental demand from families and young professionals supports investment fundamentals, while government housing initiatives provide market stability.

Direct rail connection to Sydney CBD via Campbelltown StationHome to Western Sydney University campus driving student accommodation demandMajor beneficiary of Western Sydney Airport infrastructure boomAffordable housing compared to inner Sydney suburbsStrong cultural diversity and community facilities

Market Snapshot

Median House

$720K

+8.5% 1yr

Median Apartment

$485K

+7.2% 1yr

Median Townhouse

$620K

Vacancy Rate

2.1%

32 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

68%

Population

28,500

True Cost Breakdown

Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier

Apartment

$3,494/mo

Purchase Price

$485,000

Stamp Duty

$16,355

1st Year Total

$41,924

House

$4,366/mo

Purchase Price

$720,000

Stamp Duty

$26,930

1st Year Total

$52,392

Townhouse

$3,977/mo

Purchase Price

$620,000

Stamp Duty

$22,430

1st Year Total

$47,720

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.

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