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

The median apartment in Narellan is $485,000. Including stamp duty ($16,355), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $41,924, or $3,494/month.

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

The median house in Narellan is $850,000. True first-year cost including stamp duty ($32,780), rates, insurance, maintenance, and mortgage repayments is approximately $60,926.

What is the vacancy rate in Narellan?

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

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True Cost of Buying in Narellan

2567 NSW · 55km to CBD

Stable

A decision, not just a search · Narellan

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

Narellan is a well-established suburb in Sydney's Macarthur region, located approximately 55km southwest of the CBD. Originally developed as a planned community in the 1970s-1980s, it has evolved into a popular family-oriented destination offering excellent value compared to inner Sydney. The suburb features the major Narellan Town Centre providing comprehensive retail and dining options, complemented by quality recreational facilities including the popular Narellan Pools. With median house prices around $850,000, Narellan attracts first home buyers and families seeking larger homes and better affordability. The area benefits from good road connectivity via Camden Valley Way and regular bus services, though train access requires travel to nearby stations. The community is characterized by a mix of established residents and newcomers from inner Sydney, creating a diverse yet cohesive neighborhood. Strong population growth driven by ongoing residential development and proximity to employment hubs in Campbelltown and the broader Macarthur region positions Narellan well for continued growth, particularly with the future Western Sydney Airport expected to enhance regional connectivity and economic opportunities.

Major retail hub with Narellan Town Centre providing comprehensive shopping and diningStrong family appeal with excellent recreational facilities including Narellan PoolsGood affordability compared to inner Sydney suburbs with similar amenitiesWell-established infrastructure with good road connectivity and bus servicesGrowing population base with mix of established and new residents

Market Snapshot

Median House

$850K

+9.2% 1yr

Median Apartment

$485K

+7.8% 1yr

Median Townhouse

$675K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

72%

Population

8,200

True Cost Breakdown

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

Apartment

$3,494/mo

Purchase Price

$485,000

Stamp Duty

$16,355

1st Year Total

$41,924

House

$5,077/mo

Purchase Price

$850,000

Stamp Duty

$32,780

1st Year Total

$60,926

Townhouse

$4,255/mo

Purchase Price

$675,000

Stamp Duty

$24,905

1st Year Total

$51,056

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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