True Cost of Buying in Gymea Bay
2227 NSW · 26km to CBD
A decision, not just a search · Gymea Bay
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
Gymea Bay is a premium waterfront suburb in the Sutherland Shire, located 26km south of Sydney CBD. This small, established residential enclave is renowned for its stunning Georges River frontage, featuring the popular Gymea Bay Baths tidal pool and marina facilities. The suburb attracts affluent families and retirees seeking a lifestyle location with water access while maintaining connectivity to Sydney via Gymea train station. Property values are supported by limited housing supply, waterfront proximity, and strong community amenities. The area offers a unique blend of natural beauty and urban convenience, with established homes and newer developments commanding premium prices due to water views and lifestyle appeal. Strong infrastructure including NBN connectivity and excellent transport links via the T4 Eastern Suburbs line make it attractive to professionals. The community enjoys access to sailing clubs, waterfront reserves, and the nearby Gymea shopping village, creating a desirable lifestyle destination within the Sutherland Shire.
Market Snapshot
Median House
$1.6M
+8.5% 1yr
Median Apartment
$850K
+6.8% 1yr
Median Townhouse
$1.2M
Vacancy Rate
1.8%
32 avg DOM
Yield (Apartment)
4.1%
Yield (House)
3.2%
Auction Clearance
78%
Population
1,850
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$850,000
Stamp Duty
$32,780
1st Year Total
$64,076
House
Purchase Price
$1,650,000
Stamp Duty
$73,160
1st Year Total
$113,466
Townhouse
Purchase Price
$1,200,000
Stamp Duty
$48,530
1st Year Total
$82,916
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
47
Family Households
68%
Owner-Occupied
72%
Walkability
65/100
Public Transport
8/10
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