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

The median apartment in Woy Woy is $520,000. Including stamp duty ($17,930), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $44,048, or $3,671/month.

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

The median house in Woy Woy is $750,000. True first-year cost including stamp duty ($28,280), rates, insurance, maintenance, and mortgage repayments is approximately $54,354.

What is the vacancy rate in Woy Woy?

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

buyer.chat

True Cost of Buying in Woy Woy

2256 NSW · 80km to CBD

Stable

Market Intelligence

Woy Woy is a relaxed coastal suburb on the Central Coast of NSW, approximately 80km north of Sydney CBD. Known for its aging population and sea-change appeal, the suburb offers direct train access to Sydney via Woy Woy railway station, making it attractive to retirees and commuters seeking affordable waterfront lifestyle. The area features Brisbane Water access, established town center with essential services, and numerous parks and recreational facilities. Property market consists primarily of detached houses and older-style units, with waterfront properties commanding premium prices. The suburb has experienced moderate price growth in 2024 following significant increases in 2021-2022, driven by lifestyle appeal and relative affordability compared to Sydney. Community amenities include good cafes, restaurants, and strong clubs catering to older residents, though nightlife options are limited. Recent transport upgrades have improved Sydney connectivity, supporting continued demand from sea-change buyers and retirees.

Direct train connection to Sydney CBD via Central Coast LineWaterfront location with Brisbane Water accessAffordable property prices compared to SydneyStrong appeal to retirees and sea-change buyersEstablished town center with essential services

Market Snapshot

Median House

$750K

+4.2% 1yr

Median Apartment

$520K

+3.8% 1yr

Median Townhouse

$680K

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

68%

Population

11,500

True Cost Breakdown

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

Apartment

$3,671/mo

Purchase Price

$520,000

Stamp Duty

$17,930

1st Year Total

$44,048

House

$4,530/mo

Purchase Price

$750,000

Stamp Duty

$28,280

1st Year Total

$54,354

Townhouse

$4,280/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$51,356

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.

Open Calculator