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

The median apartment in Toongabbie is $520,000. Including stamp duty ($17,930), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $44,048, or $3,671/month.

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

The median house in Toongabbie is $820,000. True first-year cost including stamp duty ($31,430), rates, insurance, maintenance, and mortgage repayments is approximately $58,952.

What is the vacancy rate in Toongabbie?

Toongabbie currently has a vacancy rate of 2.1%. Properties average 32 days on market.

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True Cost of Buying in Toongabbie

2146 NSW · 30km to CBD

Stable

A decision, not just a search · Toongabbie

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

Toongabbie, 2146, presents a compelling profile for budget-conscious buyers and savvy investors seeking value in Sydney's western suburbs. With a median house price of $820,000 and units at $520,000, it offers a more accessible entry point into the Sydney market compared to inner-city counterparts. The suburb boasts a solid Investment Score of 72.0/100 and a promising Growth Potential of 75.0/100, underpinned by a healthy house rental yield of 4.2% and a low vacancy rate of 2.1%. This indicates strong demand from renters and a stable income stream for investors. Lifestyle-wise, Toongabbie strikes a balance between suburban tranquility and urban convenience. Its Walkability Score of 65.0/100 suggests reasonable access to local amenities, while a Schools Rating of 7.0/10 and Safety Rating of 7.0/10 make it an attractive option for families. The median income of $68,000 reflects a diverse demographic, and its population of approximately 8,500 contributes to a community feel. While 30.0km from the CBD, excellent transport links ensure connectivity. Toongabbie is positioned for continued appreciation as Sydney's population expands and affordability remains a key driver for property decisions.

Affordable entry point into the Sydney property marketStrong investment potential with high growth and solid rental yieldsLow vacancy rate indicating robust rental demandGood school ratings appealing to familiesAcceptable safety rating contributing to community appeal

Market Snapshot

Median House

$820K

+5.2% 1yr

Median Apartment

$520K

+4.8% 1yr

Median Townhouse

$680K

Vacancy Rate

2.1%

32 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

68%

Population

8,500

True Cost Breakdown

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

Apartment

$3,671/mo

Purchase Price

$520,000

Stamp Duty

$17,930

1st Year Total

$44,048

House

$4,913/mo

Purchase Price

$820,000

Stamp Duty

$31,430

1st Year Total

$58,952

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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