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

The median apartment in Woollahra is $1,850,000. Including stamp duty ($84,160), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $124,760, or $10,397/month.

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

The median house in Woollahra is $4,200,000. True first-year cost including stamp duty ($294,000), rates, insurance, maintenance, and mortgage repayments is approximately $280,944.

What is the vacancy rate in Woollahra?

Woollahra currently has a vacancy rate of 1.8%. Properties average 42 days on market.

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True Cost of Buying in Woollahra

2025 NSW · 6km to CBD

Stable

A decision, not just a search · Woollahra

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

Woollahra represents one of Sydney's most prestigious and tightly-held residential enclaves, situated just 6km from the CBD in the city's affluent Eastern Suburbs. This sophisticated suburb combines heritage charm with contemporary luxury, featuring tree-lined streets, Victorian terraces, and elegant Federation homes alongside modern architectural statements. The lifestyle offering is exceptional, with Queen Street's boutique shopping precinct, world-class dining establishments, and proximity to Centennial Park providing residents with an enviable urban village atmosphere. The area's cultural credentials are reinforced by proximity to Paddington's galleries and Double Bay's cosmopolitan amenities. With a Walk Score of 78, residents enjoy excellent pedestrian access to cafes, restaurants, and essential services, while maintaining the leafy, residential character that defines the suburb. The median house price of $4.2 million reflects Woollahra's premium positioning in Sydney's property market, attracting high-net-worth individuals, established professionals, and downsizers seeking quality over quantity. The median household income of $95,000 somewhat understates the area's affluence, likely influenced by retirees and self-funded individuals. From an investment perspective, Woollahra presents a blue-chip proposition with an investment score of 78 and growth score of 72, indicating strong long-term capital appreciation potential. The 2.8% rental yield is modest but typical for prestige suburbs where capital growth drives returns rather than income. The exceptionally low 1.8% vacancy rate demonstrates consistent tenant demand, particularly for the suburb's quality apartment stock (median $1.85 million). Top-tier school ratings of 9.0 and safety scores of 9.0 enhance family appeal, while the suburb's heritage overlay and limited development opportunities ensure supply constraints that support value retention. Woollahra suits conservative investors seeking stable, long-term capital growth in a tightly-held market, though the high entry price and lower yields require substantial capital commitment and a patient investment horizon.

Premium Eastern Suburbs location just 6km from Sydney CBD with excellent connectivity and prestige addressExceptional safety rating (9.0) and top-tier school access (9.0) attracting affluent families and professionalsVery low vacancy rate of 1.8% indicating strong, consistent tenant demand and market stabilityHigh Walk Score of 78 with boutique retail, dining precincts, and proximity to Centennial ParkTightly-held blue-chip market with heritage character and limited supply supporting long-term capital growth

Market Snapshot

Median House

$4.2M

+2.5% 1yr

Median Apartment

$1.9M

+3.2% 1yr

Median Townhouse

$3.2M

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

3.4%

Yield (House)

2.8%

Auction Clearance

72%

Population

12,500

True Cost Breakdown

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

Apartment

$10,397/mo

Purchase Price

$1,850,000

Stamp Duty

$84,160

1st Year Total

$124,760

House

$23,412/mo

Purchase Price

$4,200,000

Stamp Duty

$294,000

1st Year Total

$280,944

Townhouse

$17,023/mo

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.

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