True Cost of Buying in Five Dock
2046 NSW · 12km to CBD
A decision, not just a search · Five Dock
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
Five Dock is a highly sought-after inner-west suburb located 12km from Sydney CBD, renowned for its strong Italian heritage and vibrant multicultural community. The suburb offers an excellent lifestyle balance with waterfront recreation along Iron Cove, established shopping precincts on Great North Road, and strong transport connectivity to both Sydney CBD and Parramatta. The property market features a diverse housing mix from heritage homes to modern apartments, with waterfront properties commanding premium prices. Five Dock attracts young professionals and families seeking proximity to employment hubs while maintaining a strong community atmosphere. The area benefits from quality educational facilities, well-developed infrastructure, and ongoing transport improvements including future Sydney Metro West connectivity. With its combination of lifestyle amenities, transport accessibility, and established community character, Five Dock represents a premium inner-west location with sustained demand and growth potential.
Market Snapshot
Median House
$1.6M
+8.2% 1yr
Median Apartment
$975K
+6.8% 1yr
Median Townhouse
$1.4M
Vacancy Rate
1.8%
35 avg DOM
Yield (Apartment)
4.1%
Yield (House)
3.2%
Auction Clearance
72%
Population
9,500
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$975,000
Stamp Duty
$38,405
1st Year Total
$71,660
House
Purchase Price
$1,650,000
Stamp Duty
$73,160
1st Year Total
$113,466
Townhouse
Purchase Price
$1,350,000
Stamp Duty
$56,660
1st Year Total
$92,012
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
$95,000
Median Age
37
Family Households
58%
Owner-Occupied
62%
Walkability
78/100
Public Transport
7/10
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