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

The median apartment in Loftus 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 Loftus?

The median house in Loftus is $1,350,000. True first-year cost including stamp duty ($56,660), rates, insurance, maintenance, and mortgage repayments is approximately $93,762.

What is the vacancy rate in Loftus?

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

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True Cost of Buying in Loftus

2232 NSW · 29km to CBD

Stable

A decision, not just a search · Loftus

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

Loftus is a tranquil residential suburb in the Sutherland Shire, located 29km south of Sydney CBD, distinguished by its unique position bordering the Royal National Park. This established family-oriented community offers an exceptional lifestyle combining suburban convenience with immediate access to pristine bushland and outdoor recreation. The suburb is characterized by predominantly detached homes on generous blocks, reflecting its heritage character and environmental constraints that limit high-density development. Loftus Railway Station provides reliable connectivity to Sydney CBD via the Illawarra Line, making it attractive to commuters seeking a peaceful retreat from urban intensity. The demographic profile consists primarily of established families and professionals aged 35-64, with a strong Australian-born majority and emphasis on environmental conservation. Property values benefit from the suburb's unique positioning, train accessibility, and limited housing supply due to geographical constraints. While commercial amenities are limited locally, residents enjoy easy access to Engadine and Sutherland for shopping and services, complemented by the unparalleled recreational opportunities of the adjacent national park for bushwalking, cycling, and nature activities.

Direct access to Royal National Park providing exceptional outdoor recreation and natural amenitiesExcellent train connectivity to Sydney CBD via Loftus Station on the Illawarra LineEstablished family-friendly community with low crime rates and peaceful environmentPredominantly detached housing on larger blocks offering space and privacyLimited development potential maintaining character and exclusivity

Market Snapshot

Median House

$1.4M

+8.2% 1yr

Median Apartment

$750K

+6.8% 1yr

Median Townhouse

$980K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.1%

Yield (House)

3.2%

Auction Clearance

72%

Population

3,200

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

$7,814/mo

Purchase Price

$1,350,000

Stamp Duty

$56,660

1st Year Total

$93,762

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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