What is the true cost of buying an apartment in Pennant Hills?

The median apartment in Pennant Hills 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 Pennant Hills?

The median house in Pennant Hills is $1,650,000. True first-year cost including stamp duty ($73,160), rates, insurance, maintenance, and mortgage repayments is approximately $113,466.

What is the vacancy rate in Pennant Hills?

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

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True Cost of Buying in Pennant Hills

2120 NSW · 25km to CBD

Stable

A decision, not just a search · Pennant Hills

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

Pennant Hills is a well-established, family-oriented suburb in Sydney's Hills District, located approximately 25km northwest of the CBD. Known for its premium position in the local market, the suburb attracts families seeking quality education options, including the highly regarded Pennant Hills High School and several excellent primary schools. The area features a mature residential character with predominantly detached houses on larger blocks, complemented by some newer apartment developments. Pennant Hills offers excellent community amenities including Pennant Hills Park with extensive recreational facilities, the local shopping centre, and proximity to Westfield Hornsby. The suburb benefits from strong transport connections via Pennant Hills Railway Station on the T1 North Shore Line, providing direct access to Sydney CBD, while Pennant Hills Road offers convenient access to the M1 and M2 motorways. The community is characterized by established families and professionals, with a growing population of overseas-born residents, particularly from Asian countries. Property values have shown steady growth over the past decade, though with some moderation in 2023-2024, reflecting the suburb's enduring appeal and premium market position in the Hills District.

Excellent educational facilities including highly regarded public and private schoolsStrong transport connectivity with direct rail access to Sydney CBD and major motorway connectionsPremium Hills District location with established community characterExtensive recreational amenities including Pennant Hills Park and proximity to Ku-ring-gai Chase National ParkMature property market with predominantly detached houses on larger blocks

Market Snapshot

Median House

$1.6M

+3.2% 1yr

Median Apartment

$750K

+2.8% 1yr

Median Townhouse

$1.2M

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.2%

Yield (House)

3.1%

Auction Clearance

72%

Population

8,200

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

$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

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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