True Cost of Buying in Earlwood
2206 NSW · 12km to CBD
A decision, not just a search · Earlwood
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
Earlwood presents as a well-established inner-west suburb located just 12km from Sydney's CBD, offering a compelling blend of family-friendly amenities and solid investment fundamentals. With a median house price of $1,450,000 and units at $750,000, the suburb positions itself in the mid-to-upper market segment, attracting predominantly families and professionals seeking a balanced lifestyle. The area's strong walkability score of 72/100 reflects its excellent local infrastructure, with Earlwood's commercial precinct along Homer Street providing convenient access to cafes, restaurants, and essential services. The population of 8,200 enjoys a safe, community-oriented environment, evidenced by an impressive safety rating of 8.0/10. Educational facilities score a respectable 7.0/10, making it attractive to families prioritizing schooling options. From an investment perspective, Earlwood demonstrates robust fundamentals with an investment score of 75/100 and growth potential of 72/100. The exceptionally low vacancy rate of 1.8% indicates strong rental demand, though the rental yield of 3.2% for houses suggests this is more of a capital growth play than a cash flow investment. The median household income of $82,000 reflects a stable, middle-income demographic. Earlwood's proximity to the CBD, combined with access to parks along the Cooks River and multicultural dining options, creates an appealing lifestyle proposition. The suburb's Greek and Italian heritage adds cultural richness, while recent gentrification has introduced modern cafes and boutiques. For investors and owner-occupiers alike, Earlwood offers a relatively affordable entry point into Sydney's tightly-held inner-west market, with solid infrastructure and community amenities supporting long-term value retention and moderate growth prospects.
Market Snapshot
Median House
$1.4M
+8.5% 1yr
Median Apartment
$750K
+6.2% 1yr
Median Townhouse
$1.1M
Vacancy Rate
1.8%
32 avg DOM
Yield (Apartment)
4.1%
Yield (House)
3.2%
Auction Clearance
72%
Population
8,200
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$750,000
Stamp Duty
$28,280
1st Year Total
$58,004
House
Purchase Price
$1,450,000
Stamp Duty
$62,160
1st Year Total
$100,334
Townhouse
Purchase Price
$1,100,000
Stamp Duty
$44,030
1st Year Total
$76,844
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
$82,000
Median Age
38
Family Households
68%
Owner-Occupied
58%
Walkability
72/100
Public Transport
6/10
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