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

The median apartment in Shellharbour is $600,000. Including stamp duty ($21,530), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $48,908, or $4,076/month.

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

The median house in Shellharbour is $750,000. True first-year cost including stamp duty ($28,280), rates, insurance, maintenance, and mortgage repayments is approximately $54,354.

What is the vacancy rate in Shellharbour?

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

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True Cost of Buying in Shellharbour

2529 NSW · 100km to CBD

Stable

A decision, not just a search · Shellharbour

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

Shellharbour is a charming coastal suburb in New South Wales, offering a unique blend of lifestyle and investment opportunities. With a median house price of $750,000 and a median unit price of $600,000, the suburb presents a relatively affordable option for homebuyers and investors alike. The population of 32,000 enjoys a moderate walkability score of 65, allowing for a mix of vehicular and pedestrian activity. The schools rating of 8.0 and safety rating of 8.0 make Shellharbour an attractive option for families. Although located 100 km from the CBD, the suburb's investment score of 78 and growth potential of 82 suggest a promising outlook for investors. The rental yield of 4.2% for houses and a low vacancy rate of 1.8% further reinforce the suburb's investment appeal. With its beautiful coastal surroundings and relatively affordable prices, Shellharbour is an excellent choice for those seeking a relaxed lifestyle and a potentially lucrative investment opportunity.

Affordable housing options compared to other coastal suburbsHigh schools rating and safety rating, making it ideal for familiesPromising investment outlook with high growth potentialRelatively low vacancy rate, ensuring consistent rental incomeBeautiful coastal surroundings and lifestyle amenities

Market Snapshot

Median House

$750K

+7.5% 1yr

Median Apartment

$600K

+6.2% 1yr

Median Townhouse

$680K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.8%

Yield (House)

4.2%

Auction Clearance

68%

Population

32,000

True Cost Breakdown

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

Apartment

$4,076/mo

Purchase Price

$600,000

Stamp Duty

$21,530

1st Year Total

$48,908

House

$4,530/mo

Purchase Price

$750,000

Stamp Duty

$28,280

1st Year Total

$54,354

Townhouse

$4,280/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$51,356

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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