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

The median apartment in Kirrawee is $680,000. Including stamp duty ($25,130), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $53,756, or $4,480/month.

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

The median house in Kirrawee 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 Kirrawee?

Kirrawee currently has a vacancy rate of 1.8%. Properties average 28 days on market.

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True Cost of Buying in Kirrawee

2232 NSW · 26km to CBD

Stable

A decision, not just a search · Kirrawee

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

Kirrawee is a premium family-oriented suburb in the Sutherland Shire, located 26km south of Sydney CBD. Known for its excellent educational facilities including the highly-regarded Kirrawee High School, the suburb attracts families seeking quality schooling and lifestyle amenities. The area is characterized by predominantly detached houses on larger blocks, offering more space than inner Sydney alternatives. Kirrawee benefits from excellent transport connectivity via its railway station on the T4 line, providing direct access to the CBD, while the nearby Royal National Park offers extensive recreational opportunities. The established Oak Road shopping precinct provides local amenities including cafes, restaurants, and essential services. The suburb maintains strong community connections through local groups and events, centered around facilities like Kirrawee Oval and tennis courts. Property demand remains strong due to the combination of educational excellence, transport accessibility, and lifestyle benefits, with the market dominated by family homes rather than high-density development. The area's proximity to both natural amenities and urban conveniences, combined with its reputation as a safe, well-established residential area, continues to drive sustained interest from families and investors seeking long-term capital growth potential.

Home to Kirrawee High School, one of NSW's top-performing public schoolsDirect train access to Sydney CBD via T4 Eastern Suburbs & Illawarra LineClose proximity to Royal National Park for extensive recreational opportunitiesEstablished Oak Road shopping precinct with quality cafes and servicesLarger residential blocks compared to inner Sydney suburbs

Market Snapshot

Median House

$1.4M

+8.5% 1yr

Median Apartment

$680K

+6.8% 1yr

Median Townhouse

$950K

Vacancy Rate

1.8%

28 avg DOM

Yield (Apartment)

4.5%

Yield (House)

3.2%

Auction Clearance

78%

Population

6,800

True Cost Breakdown

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

Apartment

$4,480/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$53,756

House

$8,361/mo

Purchase Price

$1,450,000

Stamp Duty

$62,160

1st Year Total

$100,334

Townhouse

$5,646/mo

Purchase Price

$950,000

Stamp Duty

$37,280

1st Year Total

$67,748

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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