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Parramatta, NSW - Cashflow & Holding Cost Report

Explore an investment property rental cashflow, ownership costs, tax deductions and depreciation for Parramatta, New South Wales. Use Propmax.com.au’s to forecast repayments, yields, and after-tax cash position over 30 years.
Check Parramatta Holding Costs
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Suburb
Parramatta, New South Wales
Median Price
$616,500
Median Weekly Rent
$650
Capital Growth
2.9%
Rental Yield
5.5%
Investment Grade
B
Large employment hub with strong transport/infrastructure (Light Rail, Metro West) and solid tenant demand; growth has been flat recently due to high unit supply.
Affordability
Moderate
More affordable than Sydney’s inner suburbs, offering a lower entry point with decent yields; however, ongoing strata costs can increase holding expenses.
Estimated Holding Cost Before Tax (weekly):
$300/week
Estimated Holding Cost After Tax (weekly):
$140/week
Estimated Holding Cost (annual):
$9,000 – $14,000

Parramatta Investment Summary

Parramatta, recognised as Sydney’s “second CBD,” offers a blend of affordability (relative to inner Sydney) and strong rental demand driven by its role as a major employment and education hub. Median unit prices sit at $616,500, with rents around $650 per week, supporting a gross yield of ~5.5%. While recent annual growth has been slightly negative (~–1%), long-term fundamentals are underpinned by major infrastructure projects including the Parramatta Light Rail and Sydney Metro West.

  • Pros:

    • More affordable than Sydney’s eastern and northern suburbs, with strong rental yields.
    • Major infrastructure investment (Metro West, Light Rail, Westmead health precinct).
    • Strong demand from students, professionals, and key workers.
    • High-density living supports consistent rental turnover.

  • Cons:

    • Oversupply risk from new apartment towers suppressing capital growth.
    • Higher strata levies typical in modern high-rise developments.
    • Capital growth has been flat to negative in recent years for units.

Parramatta Sample Cashflow & Holding Cost Report

Let’s explore the full cashflow & holding cost report in Parramatta, NSW including 30 years cashflow projections, equity growth, depreciation schedules, and tax impact — available below and powered by Propmax.com.au.

617/22 Charles Street, Parramatta NSW 2150 — a modern 2-bedroom, 2-bathroom, 1-car apartment priced at $630,000 with a 113 sqm layout.

  • Rent: $725/week (~6.0% yield), supported by Parramatta’s strong rental demand and ~2% vacancy
  • Capital growth: ~2.9% p.a. | Rent growth: ~3% p.a.
  • Annual holding costs: ~$12,700 plus mortgage, heavily influenced by $5,600 body corporate fees
  • Depreciation benefits: ~$3,750 per year
  • Land tax: nil (apartment structure and threshold benefits)

While strata levies significantly increase annual holding costs compared to townhouses or houses, Parramatta’s position as Sydney’s “second CBD” with strong infrastructure investment (Light Rail, Metro West, Westmead health precinct) underpins long-term demand.

With negative gearing on a $150K income, after-tax holding costs are reduced, but investors should carefully weigh the impact of strata costs on cashflow sustainability versus the suburb’s strong rental yields and growth fundamentals.

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Propmax lets you run 30-year rental property cashflow analysis, including loan interest (IO and P&I), depreciation, equity release, stamp duty, and weekly or annual holding costs. It’s a full-featured investment property cashflow calculator for informed decision-making.
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Yes, Propmax includes tools for investment property loan calculation (including interest-only and principal & interest loans), as well as a depreciation calculator for building and fittings. It helps you understand the tax impact over time with detailed year-by-year breakdowns.
You can track loan-to-value ratio (LVR), debt service ratio (DSR), net surplus ratio (NSR), and other key KPIs across your entire portfolio. Propmax’s rental property analysis tool makes it easy to monitor performance and identify cashflow or serviceability risks.
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