What is the true cost of buying an apartment in Mona Vale?

The median apartment in Mona Vale is $1,080,000. Including stamp duty ($43,130), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $78,032, or $6,503/month.

What does it really cost to buy a house in Mona Vale?

The median house in Mona Vale is $2,150,000. True first-year cost including stamp duty ($100,660), rates, insurance, maintenance, and mortgage repayments is approximately $146,314.

What is the vacancy rate in Mona Vale?

Mona Vale currently has a vacancy rate of 1.8%. Properties average 32 days on market.

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True Cost of Buying in Mona Vale

2103 NSW · 28km to CBD

Stable

Market Intelligence

Mona Vale is a prestigious coastal suburb located 28km north of Sydney CBD in the Northern Beaches Council area. Known for its stunning beach, excellent surfing conditions, and relaxed coastal lifestyle, the suburb attracts affluent families and professionals seeking a premium beachside location. The area features a strong mix of housing types from luxury waterfront properties to modern apartments, with median house prices reflecting its desirable coastal position. Mona Vale offers excellent amenities including the Northern Beaches Hospital, quality schools, golf club, and vibrant cafe culture along the main shopping strips. The suburb benefits from proximity to Ku-ring-gai Chase National Park and maintains strong community connections through local markets and active groups. While lacking direct rail access, bus services provide connectivity to the CBD and surrounding areas. The demographic profile skews toward higher-income families and professionals, with an aging population trend as baby boomers are drawn to the lifestyle appeal. Property values have shown consistent growth driven by limited coastal land supply and strong lifestyle demand.

Premium coastal location with beautiful beach and surfing conditionsStrong property value growth and market resilienceExcellent healthcare facilities including Northern Beaches HospitalHigh-income demographic with professional workforceQuality amenities including golf club, parks and recreation facilities

Market Snapshot

Median House

$2.1M

+8.5% 1yr

Median Apartment

$1.1M

+6.8% 1yr

Median Townhouse

$1.6M

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.2%

Yield (House)

2.8%

Auction Clearance

78%

Population

11,500

True Cost Breakdown

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

Apartment

$6,503/mo

Purchase Price

$1,080,000

Stamp Duty

$43,130

1st Year Total

$78,032

House

$12,193/mo

Purchase Price

$2,150,000

Stamp Duty

$100,660

1st Year Total

$146,314

Townhouse

$9,185/mo

Purchase Price

$1,650,000

Stamp Duty

$73,160

1st Year Total

$110,216

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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