True Cost of Buying in St Ives
2075 NSW · 18km to CBD
A decision, not just a search · St Ives
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
St Ives is a prestigious Upper North Shore suburb located 18km north of Sydney CBD, renowned for its exceptional educational facilities and family-oriented lifestyle. The area features predominantly detached housing on generous blocks, surrounded by extensive bushland reserves and national park access. With a strong Asian-Australian community presence and high household incomes, St Ives attracts established professionals and families seeking quality education zones. The suburb offers excellent schools including the highly regarded St Ives High School, local shopping at St Ives Village, and abundant recreational facilities. Property values remain premium due to limited supply, desirable school catchments, and the prestigious Upper North Shore location. While primarily car-dependent with limited public transport, the area compensates with well-maintained infrastructure and strong community amenities. The mature suburb demographic includes many long-term residents, creating a stable, established community character ideal for families prioritizing education and lifestyle quality.
Market Snapshot
Median House
$2.9M
+8.5% 1yr
Median Apartment
$1.4M
+6.2% 1yr
Median Townhouse
$2.2M
Vacancy Rate
1.8%
35 avg DOM
Yield (Apartment)
3.2%
Yield (House)
2.4%
Auction Clearance
75%
Population
16,500
True Cost Breakdown
Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier
Apartment
Purchase Price
$1,450,000
Stamp Duty
$62,160
1st Year Total
$100,484
House
Purchase Price
$2,850,000
Stamp Duty
$139,160
1st Year Total
$192,282
Townhouse
Purchase Price
$2,200,000
Stamp Duty
$103,410
1st Year Total
$143,588
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
$145,000
Median Age
42
Family Households
68%
Owner-Occupied
72%
Walkability
55/100
Public Transport
4/10
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