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

The median apartment in Gymea is $750,000. Including stamp duty ($28,280), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $58,004, or $4,834/month.

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

The median house in Gymea is $1,450,000. True first-year cost including stamp duty ($62,160), rates, insurance, maintenance, and mortgage repayments is approximately $100,334.

What is the vacancy rate in Gymea?

Gymea currently has a vacancy rate of 1.8%. Properties average 42 days on market.

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True Cost of Buying in Gymea

2227 NSW · 26km to CBD

Stable

A decision, not just a search · Gymea

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 is a well-established, family-oriented suburb in the Sutherland Shire, located 26km south of Sydney CBD. With a population of 12,500 and median age of 42, it attracts professionals and families seeking quality lifestyle amenities including proximity to beaches, national parks, and excellent schools. The suburb features predominantly detached houses on generous 650sqm blocks, with median house prices of $1.45M reflecting its premium position within the Shire. Strong infrastructure includes Gymea Railway Station providing direct CBD access, quality educational facilities like Gymea Technology High School, and recreational amenities including Gymea Bay waterfront. The area maintains a strong community feel with low crime rates, excellent family-friendliness ratings, and easy access to both Cronulla beaches and Royal National Park. Property market fundamentals remain solid with steady growth, low vacancy rates, and strong owner-occupier demand driven by the suburb's established character and lifestyle appeal.

Excellent school catchments including Gymea Technology High School and quality primary schoolsPremium location with 3km to beaches and Royal National Park accessStrong transport connectivity via Gymea Railway Station and major road networksEstablished family community with low crime rates and high safety ratingsGenerous land sizes averaging 650sqm compared to inner Sydney suburbs

Market Snapshot

Median House

$1.4M

+8.5% 1yr

Median Apartment

$750K

+6.8% 1yr

Median Townhouse

$980K

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

4.8%

Yield (House)

3.2%

Auction Clearance

72%

Population

12,500

True Cost Breakdown

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

Apartment

$4,834/mo

Purchase Price

$750,000

Stamp Duty

$28,280

1st Year Total

$58,004

House

$8,361/mo

Purchase Price

$1,450,000

Stamp Duty

$62,160

1st Year Total

$100,334

Townhouse

$5,797/mo

Purchase Price

$980,000

Stamp Duty

$38,630

1st Year Total

$69,560

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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