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

The median apartment in Freshwater is $1,450,000. Including stamp duty ($62,160), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $100,484, or $8,374/month.

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

The median house in Freshwater is $2,850,000. True first-year cost including stamp duty ($139,160), rates, insurance, maintenance, and mortgage repayments is approximately $192,282.

What is the vacancy rate in Freshwater?

Freshwater currently has a vacancy rate of 1.8%. Properties average 35 days on market.

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True Cost of Buying in Freshwater

2096 NSW · 17km to CBD

Rising

Market Intelligence

Freshwater, NSW 2096 is a premium beachside suburb located 17km northeast of Sydney CBD on the Northern Beaches. This predominantly residential area combines coastal lifestyle with accessibility to Sydney, featuring a mix of older beach houses, modern apartments, and townhouses. The suburb attracts affluent professionals and families seeking a relaxed beach lifestyle while maintaining proximity to employment centers. With Freshwater Beach as its centerpiece, the area offers excellent recreational amenities, quality schools, and strong community connections through surf lifesaving clubs and local facilities like Harbord Diggers Club. The property market commands premium prices due to the desirable beachside location, with strong rental demand from lifestyle seekers. While transport relies primarily on bus connections to Manly and ferry/rail links, the suburb's natural amenities and established infrastructure make it a highly sought-after residential destination. The community enjoys above-average household incomes and educational attainment, creating a stable, family-friendly environment with excellent beaches, parks, and recreational facilities.

Premium beachside location with direct beach accessStrong property values and capital growth potentialExcellent recreational amenities and beach lifestyleQuality schools and family-friendly communityAbove-average household incomes and demographics

Market Snapshot

Median House

$2.9M

+8.5% 1yr

Median Apartment

$1.4M

+6.8% 1yr

Median Townhouse

$2.2M

Vacancy Rate

1.8%

35 avg DOM

Yield (Apartment)

4.2%

Yield (House)

2.8%

Auction Clearance

78%

Population

3,200

True Cost Breakdown

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

Apartment

$8,374/mo

Purchase Price

$1,450,000

Stamp Duty

$62,160

1st Year Total

$100,484

House

$16,024/mo

Purchase Price

$2,850,000

Stamp Duty

$139,160

1st Year Total

$192,282

Townhouse

$11,966/mo

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.

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