True Cost of Buying in Kogarah Bay
2217 NSW · 14km to CBD
A decision, not just a search · Kogarah 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
Kogarah Bay is a premium waterfront suburb located 14km south of Sydney CBD in the sought-after St George region. This small, exclusive residential enclave offers direct access to Kogarah Bay and Georges River, creating a unique lifestyle opportunity with waterfront living close to urban amenities. The suburb is characterized by a mix of original post-war homes and modern renovated properties, with limited housing stock maintaining strong property values. Residents enjoy proximity to Kogarah town center with its shopping, dining, and transport links, while benefiting from nearby quality schools and St George Hospital. The area features excellent recreational opportunities including Carss Park and Carss Bush Park, along with boating and water activities. Demographics show an established community with higher median age and income levels, reflecting the suburb's premium positioning. The property market remains stable with moderate growth, supported by consistent demand for waterfront properties and limited supply. Transport connectivity is strong via Kogarah railway station on the T4 line, providing direct CBD access.
Market Snapshot
Median House
$1.9M
+6.2% 1yr
Median Apartment
$950K
+4.8% 1yr
Median Townhouse
—
Vacancy Rate
1.8%
30 avg DOM
Yield (Apartment)
4.2%
Yield (House)
2.8%
Auction Clearance
72%
Population
850
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$950,000
Stamp Duty
$37,280
1st Year Total
$70,148
House
Purchase Price
$1,850,000
Stamp Duty
$84,160
1st Year Total
$126,610
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
78%
Walkability
65/100
Public Transport
7/10
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