What is the true cost of buying an apartment in Ellis Lane?

The median apartment in Ellis Lane is $520,000. Including stamp duty ($17,930), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $44,048, or $3,671/month.

What does it really cost to buy a house in Ellis Lane?

The median house in Ellis Lane is $820,000. True first-year cost including stamp duty ($31,430), rates, insurance, maintenance, and mortgage repayments is approximately $58,952.

What is the vacancy rate in Ellis Lane?

Ellis Lane currently has a vacancy rate of 1.8%. Properties average 32 days on market.

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True Cost of Buying in Ellis Lane

2570 NSW · 58km to CBD

Rising

A decision, not just a search · Ellis Lane

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

Ellis Lane, NSW 2570 is a small residential street within the Camden Local Government Area, positioned in Sydney's rapidly expanding south-west corridor. This family-oriented locality benefits from its proximity to Camden town center while maintaining a quiet suburban character. The area has experienced significant growth as part of the South West Growth Area, with ongoing infrastructure investment supporting population expansion. Properties are predominantly detached houses on generous blocks, appealing to families seeking affordability and space within commuting distance of Sydney. The suburb offers access to quality schools, parks, and recreational facilities, while major transport corridors like Camden Valley Way provide connectivity to employment centers. With Camden Hospital nearby and comprehensive local amenities, Ellis Lane represents a well-established residential pocket that has benefited from broader regional development. The area's growth trajectory aligns with government planning for the south-west region, positioning it favorably for continued capital appreciation. While public transport options are currently limited to bus services, planned infrastructure improvements may enhance connectivity. The community profile reflects typical outer suburban demographics with young families predominating, attracted by relative affordability compared to inner Sydney markets.

Strong proximity to Camden town center with comprehensive amenitiesPart of designated South West Growth Area with ongoing infrastructure investmentFamily-friendly environment with access to quality schools and parksEstablished residential character with predominantly detached housingGood road connectivity via Camden Valley Way and Narellan Road

Market Snapshot

Median House

$820K

+7.2% 1yr

Median Apartment

$520K

+5.8% 1yr

Median Townhouse

$650K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

72%

Population

True Cost Breakdown

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

Apartment

$3,671/mo

Purchase Price

$520,000

Stamp Duty

$17,930

1st Year Total

$44,048

House

$4,913/mo

Purchase Price

$820,000

Stamp Duty

$31,430

1st Year Total

$58,952

Townhouse

$4,129/mo

Purchase Price

$650,000

Stamp Duty

$23,780

1st Year Total

$49,544

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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