True Cost of Buying in Oyster Bay

2225 NSW · 24km to CBD

Stable

Market Intelligence

Oyster Bay is a highly sought-after residential suburb in the Sutherland Shire, located 24km south of Sydney CBD along the Georges River. Known for its waterfront lifestyle and family-friendly atmosphere, the suburb features predominantly detached houses with some townhouse developments. The area attracts established families and professionals seeking a quieter lifestyle while maintaining reasonable access to the city. Property values have shown consistent growth, driven by the suburb's natural beauty, water access, and strong community feel. The local amenities include proximity to Oatley Park and Lime Kiln Bay, though residents typically travel to nearby centers like Hurstville or Miranda for major shopping. The suburb maintains a low-density character with tree-lined streets and quality housing stock, making it particularly appealing to families with school-aged children. Transport links rely primarily on private vehicles, with bus connections to nearby train stations at Oatley and Hurstville.

Waterfront location with Georges River access and recreational opportunitiesStrong family-oriented community with established residentsConsistent property value growth and low turnover marketProximity to quality parks including Oatley Park and Lime Kiln BayLow-density residential character with quality housing stock

Market Snapshot

Median House

$1.6M

+8.2% 1yr

Median Apartment

$850K

+6.8% 1yr

Median Townhouse

$1.2M

Vacancy Rate

1.8%

28 avg DOM

Yield (Apartment)

4.5%

Yield (House)

3.2%

Auction Clearance

78%

Population

3,200

True Cost Breakdown

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

Apartment

$5,340/mo

Purchase Price

$850,000

Stamp Duty

$32,780

1st Year Total

$64,076

House

$9,456/mo

Purchase Price

$1,650,000

Stamp Duty

$73,160

1st Year Total

$113,466

Townhouse

$6,910/mo

Purchase Price

$1,200,000

Stamp Duty

$48,530

1st Year Total

$82,916

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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

43

Family Households

68%

Owner-Occupied

72%

Walkability

45/100

Public Transport

4/10

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