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

The median apartment in Clontarf is $1,450,000. Including stamp duty ($62,160), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $100,484, or $8,374/month.

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

The median house in Clontarf is $2,850,000. True first-year cost including stamp duty ($139,160), rates, insurance, maintenance, and mortgage repayments is approximately $192,282.

What is the vacancy rate in Clontarf?

Clontarf currently has a vacancy rate of 1.2%. Properties average 35 days on market.

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True Cost of Buying in Clontarf

2093 NSW · 18km to CBD

Rising

A decision, not just a search · Clontarf

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

Clontarf is an affluent waterfront suburb on Sydney's Northern Beaches, offering a unique blend of coastal lifestyle and family-friendly amenities. With a population of approximately 2,800 residents, this low-density suburb is characterized by its protected beach, established family homes, and strong community spirit. The area attracts professionals and families seeking a relaxed coastal lifestyle while maintaining reasonable access to Sydney CBD. Property values reflect its desirable waterfront location, though it remains one of the more affordable Northern Beaches options. The suburb features excellent recreational facilities including sailing clubs, parks, and water sports opportunities, supported by quality local schooling at Clontarf Public School. While transport options are limited and residents rely heavily on private vehicles, the trade-off is a peaceful, low-traffic environment with strong neighborhood connections. The aging demographic and established housing stock present both stability and renewal opportunities, making it attractive for both owner-occupiers and investors seeking steady capital growth in a premium coastal location.

Prime waterfront location with protected swimming beachStrong family-oriented community with excellent local schoolRelatively affordable entry point to Northern Beaches marketLow-density housing with established character homesActive recreational facilities including sailing and sporting clubs

Market Snapshot

Median House

$2.9M

+8.5% 1yr

Median Apartment

$1.4M

+6.8% 1yr

Median Townhouse

—

Vacancy Rate

1.2%

35 avg DOM

Yield (Apartment)

4.2%

Yield (House)

2.8%

Auction Clearance

72%

Population

2,800

True Cost Breakdown

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

Apartment

$8,374/mo

Purchase Price

$1,450,000

Stamp Duty

$62,160

1st Year Total

$100,484

House

$16,024/mo

Purchase Price

$2,850,000

Stamp Duty

$139,160

1st Year Total

$192,282

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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