True Cost of Buying in Rose Bay
2029 NSW · 7km to CBD
A decision, not just a search · Rose Bay
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
Rose Bay is one of Sydney's most prestigious harbourside suburbs, located in the affluent Eastern Suburbs approximately 7km from the CBD. This established suburb is renowned for its stunning harbour views, luxury properties, and sophisticated lifestyle offerings. The area features a mix of grand heritage homes, modern luxury apartments, and exclusive waterfront estates that consistently command premium prices. Rose Bay attracts wealthy professionals, established families, and international buyers seeking prestige and harbour access. The suburb boasts excellent amenities including Rose Bay Marina, high-end dining along New South Head Road, quality schools like Kambala, and beautiful parklands with harbour foreshore access. Transport connectivity is strong with ferry services to Circular Quay and multiple bus routes. The community has a significant Jewish population with associated cultural institutions, contributing to the suburb's diverse character. Property supply remains limited due to heritage restrictions and the established nature of the area, supporting strong capital growth prospects despite premium entry prices.
Market Snapshot
Median House
$4.8M
+8.5% 1yr
Median Apartment
$2.1M
+9.2% 1yr
Median Townhouse
$3.2M
Vacancy Rate
1.8%
42 avg DOM
Yield (Apartment)
3.2%
Yield (House)
2.8%
Auction Clearance
78%
Population
12,500
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$2,100,000
Stamp Duty
$97,910
1st Year Total
$139,928
House
Purchase Price
$4,850,000
Stamp Duty
$339,500
1st Year Total
$323,638
Townhouse
Purchase Price
$3,200,000
Stamp Duty
$158,410
1st Year Total
$204,272
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.
Community Profile
Median Income
$185,000
Median Age
42
Family Households
58%
Owner-Occupied
72%
Walkability
75/100
Public Transport
8/10
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