True Cost of Buying in Lugarno
2210 NSW · 23km to CBD
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.
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
Purchase Price
$680,000
Stamp Duty
$25,130
1st Year Total
$53,756
House
Purchase Price
$1,350,000
Stamp Duty
$56,660
1st Year Total
$93,762
Townhouse
Purchase Price
$950,000
Stamp Duty
$37,280
1st Year Total
$67,748
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
$95,000
Median Age
42
Family Households
68%
Owner-Occupied
78%
Walkability
55/100
Public Transport
4/10
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