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

The median apartment in Hornsby 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 Hornsby?

The median house in Hornsby 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 Hornsby?

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

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True Cost of Buying in Hornsby

2077 NSW · 36km to CBD

Stable

A decision, not just a search · Hornsby

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

Hornsby is a well-established suburban hub located 36km north-west of Sydney's CBD, serving as a major commercial and transport center for the Upper North Shore. The suburb offers excellent connectivity with its major train station providing express services to the city, complemented by the bustling Westfield Hornsby shopping complex and strong educational facilities. The area attracts predominantly middle to upper-middle class families, drawn by quality schools, established infrastructure, and relatively more affordable housing compared to nearby premium suburbs like Wahroonga and Turramurra. The property market features a diverse housing mix from older brick homes to modern apartments and townhouses, with steady capital growth supported by consistent demand from families and investors. Hornsby's position as a regional center ensures strong rental demand, while ongoing urban renewal projects and transport improvements continue to enhance its investment appeal.

Major transport hub with express train services to Sydney CBDEstablished commercial center with Westfield shopping complexStrong educational facilities including quality public and private schoolsMore affordable than premium Upper North Shore suburbs while maintaining good amenitiesDiverse housing stock appealing to various buyer segments

Market Snapshot

Median House

$1.4M

+5.2% 1yr

Median Apartment

$750K

+4.8% 1yr

Median Townhouse

$1.1M

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.1%

Yield (House)

3.2%

Auction Clearance

72%

Population

28,500

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

$6,657/mo

Purchase Price

$1,150,000

Stamp Duty

$46,280

1st Year Total

$79,880

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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