What is the true cost of buying an apartment in Kyle Bay?

The median apartment in Kyle Bay is $1,250,000. Including stamp duty ($51,160), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $88,352, or $7,363/month.

What does it really cost to buy a house in Kyle Bay?

The median house in Kyle Bay is $2,850,000. True first-year cost including stamp duty ($139,160), rates, insurance, maintenance, and mortgage repayments is approximately $192,282.

What is the vacancy rate in Kyle Bay?

Kyle Bay currently has a vacancy rate of 1.2%. Properties average 45 days on market.

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True Cost of Buying in Kyle Bay

2221 NSW · 24km to CBD

Stable

A decision, not just a search · Kyle 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

Kyle Bay is an exclusive waterside suburb in the Georges River Council area, located 24km south of Sydney CBD. This small, prestigious residential enclave is renowned for its direct Georges River frontage and boat access, making it highly sought after by affluent families and water enthusiasts. The suburb features predominantly detached homes on generous blocks, with many properties offering waterfront or water views that command significant premiums. With limited commercial development and strict zoning, Kyle Bay maintains its quiet, residential character while relying on nearby Kogarah and Hurstville for shopping and services. The area attracts high-income professionals seeking a peaceful retreat with recreational boating opportunities, excellent schools nearby, and proximity to Carss Park. Transport is primarily car-dependent with limited public transport options, though this contributes to the suburb's exclusive appeal. The property market is characterized by low turnover, strong capital growth potential, and premium pricing driven by waterfront location and scarcity of available land.

Exclusive waterfront location with direct Georges River accessPremium property values and strong capital growth potentialHigh-quality residential environment with large blocksExcellent recreational amenities including boating and water sportsClose proximity to quality schools and Carss Park facilities

Market Snapshot

Median House

$2.9M

+8.5% 1yr

Median Apartment

$1.3M

+6.2% 1yr

Median Townhouse

—

Vacancy Rate

1.2%

45 avg DOM

Yield (Apartment)

4.2%

Yield (House)

2.8%

Auction Clearance

75%

Population

850

True Cost Breakdown

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

Apartment

$7,363/mo

Purchase Price

$1,250,000

Stamp Duty

$51,160

1st Year Total

$88,352

House

$16,024/mo

Purchase Price

$2,850,000

Stamp Duty

$139,160

1st Year Total

$192,282

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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