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

The median apartment in Narrabeen is $920,000. Including stamp duty ($35,930), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $68,324, or $5,694/month.

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

The median house in Narrabeen is $1,850,000. True first-year cost including stamp duty ($84,160), rates, insurance, maintenance, and mortgage repayments is approximately $126,610.

What is the vacancy rate in Narrabeen?

Narrabeen currently has a vacancy rate of 1.8%. Properties average 28 days on market.

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True Cost of Buying in Narrabeen

2101 NSW · 23km to CBD

Stable

A decision, not just a search · Narrabeen

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

Narrabeen is a highly sought-after beachside suburb in Sydney's Northern Beaches, located 23km northeast of the CBD. Known for its world-class surfing beach and pristine lagoon, the suburb offers an enviable coastal lifestyle with strong community spirit centered around surf lifesaving and water sports. The area features a diverse housing mix from modern apartments to family homes, attracting young professionals, families, and retirees seeking the beach lifestyle. With Narrabeen Beach hosting international surfing competitions and the lagoon providing calm waters for kayaking and fishing, outdoor recreation is central to the community's identity. The local village provides essential services and cafes, while quality schools and proximity to Northern Beaches Hospital add to its family appeal. Property values have shown strong growth over recent years, though the suburb remains more affordable than premium Northern Beaches locations like Avalon or Palm Beach. Transport relies primarily on bus connections along Pittwater Road, with planned cycling infrastructure improvements enhancing connectivity. The combination of natural beauty, community amenities, and relative affordability positions Narrabeen as an attractive option for those seeking coastal living within reach of Sydney.

World-class surfing beach and pristine lagoon for water sportsStrong community culture with active surf lifesaving and sports clubsMore affordable than premium Northern Beaches suburbs while maintaining coastal lifestyleDiverse housing options from apartments to family homesQuality local schools and proximity to Northern Beaches Hospital

Market Snapshot

Median House

$1.9M

+8.5% 1yr

Median Apartment

$920K

+6.2% 1yr

Median Townhouse

$1.4M

Vacancy Rate

1.8%

28 avg DOM

Yield (Apartment)

4.1%

Yield (House)

3.2%

Auction Clearance

78%

Population

8,200

True Cost Breakdown

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

Apartment

$5,694/mo

Purchase Price

$920,000

Stamp Duty

$35,930

1st Year Total

$68,324

House

$10,551/mo

Purchase Price

$1,850,000

Stamp Duty

$84,160

1st Year Total

$126,610

Townhouse

$8,174/mo

Purchase Price

$1,450,000

Stamp Duty

$62,160

1st Year Total

$98,084

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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