True Cost of Buying in Lugarno

2210 NSW · 23km to CBD

Stable

A decision, not just a search · Lugarno

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

Lugarno (2210, NSW) is a tightly held, family-oriented riverside suburb that sits in the upper-middle segment of Sydney’s south-eastern market. With a median house price of $1,350,000 and a median unit price of $680,000, it offers a premium suburban lifestyle without reaching the pricing extremes of closer-in inner-city locations. The suburb’s appeal is driven by its strong safety rating, solid school performance, and relatively low-density feel, making it attractive to established families, upsizers, and owner-occupiers seeking a quieter environment within 23km of the Sydney CBD. While walkability is moderate at 55/100, Lugarno’s lifestyle is less about transit-oriented convenience and more about space, privacy, and access to local amenities, parkland, and the Georges River setting. With a median income of $95,000 and a population of just 3,200, the area has a small-community character that typically supports stable demand and low turnover. From an investment perspective, Lugarno presents a balanced profile: an investment score of 75/100 and growth potential of 72/100 suggest reasonable long-term capital growth prospects, supported by limited supply and ongoing family demand. The rental market is also favourable, with a low vacancy rate of 1.8% indicating healthy occupancy and consistent tenant competition. However, the house rental yield of 3.2% is modest, so the suburb is better suited to investors who prioritise capital preservation and gradual growth over high immediate cash flow. Overall, Lugarno stands out as a quality lifestyle suburb with dependable fundamentals, where buyers are paying for livability, safety, and location rather than strong yield. It remains a sensible choice for those seeking a resilient blue-chip style market with steady long-term upside rather than rapid speculative gains.

Strong family appeal with a quiet, residential characterHigh safety rating of 8/10 supports owner-occupier demandGood school rating of 7/10 enhances long-term desirabilityClose enough to Sydney CBD at 23km to remain accessibleLow vacancy rate of 1.8% indicates healthy rental demand

Market Snapshot

Median House

$1.4M

+8.5% 1yr

Median Apartment

$680K

+6.2% 1yr

Median Townhouse

$950K

Vacancy Rate

1.8%

35 avg DOM

Yield (Apartment)

4.5%

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

$4,480/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$53,756

House

$7,814/mo

Purchase Price

$1,350,000

Stamp Duty

$56,660

1st Year Total

$93,762

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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Community Profile

Median Income

$95,000

Median Age

42

Family Households

68%

Owner-Occupied

78%

Walkability

55/100

Public Transport

4/10

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