True Cost of Buying in Lugarno

2210 NSW · 23km to CBD

Stable

Market Intelligence

Lugarno (2210, NSW) is a tightly held, family-oriented riverside suburb that sits in the upper-middle segment of Sydney’s south-eastern market. With a median house price of $1,350,000 and a median unit price of $680,000, it offers a premium suburban lifestyle without reaching the pricing extremes of closer-in inner-city locations. The suburb’s appeal is driven by its strong safety rating, solid school performance, and relatively low-density feel, making it attractive to established families, upsizers, and owner-occupiers seeking a quieter environment within 23km of the Sydney CBD. While walkability is moderate at 55/100, Lugarno’s lifestyle is less about transit-oriented convenience and more about space, privacy, and access to local amenities, parkland, and the Georges River setting. With a median income of $95,000 and a population of just 3,200, the area has a small-community character that typically supports stable demand and low turnover. From an investment perspective, Lugarno presents a balanced profile: an investment score of 75/100 and growth potential of 72/100 suggest reasonable long-term capital growth prospects, supported by limited supply and ongoing family demand. The rental market is also favourable, with a low vacancy rate of 1.8% indicating healthy occupancy and consistent tenant competition. However, the house rental yield of 3.2% is modest, so the suburb is better suited to investors who prioritise capital preservation and gradual growth over high immediate cash flow. Overall, Lugarno stands out as a quality lifestyle suburb with dependable fundamentals, where buyers are paying for livability, safety, and location rather than strong yield. It remains a sensible choice for those seeking a resilient blue-chip style market with steady long-term upside rather than rapid speculative gains.

Strong family appeal with a quiet, residential characterHigh safety rating of 8/10 supports owner-occupier demandGood school rating of 7/10 enhances long-term desirabilityClose enough to Sydney CBD at 23km to remain accessibleLow vacancy rate of 1.8% indicates healthy rental demand

Market Snapshot

Median House

$1.4M

+8.5% 1yr

Median Apartment

$680K

+6.2% 1yr

Median Townhouse

$950K

Vacancy Rate

1.8%

35 avg DOM

Yield (Apartment)

4.5%

Yield (House)

3.2%

Auction Clearance

72%

Population

3,200

True Cost Breakdown

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

Apartment

$4,480/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$53,756

House

$7,814/mo

Purchase Price

$1,350,000

Stamp Duty

$56,660

1st Year Total

$93,762

Townhouse

$5,646/mo

Purchase Price

$950,000

Stamp Duty

$37,280

1st Year Total

$67,748

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Community Profile

Median Income

$95,000

Median Age

42

Family Households

68%

Owner-Occupied

78%

Walkability

55/100

Public Transport

4/10

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