Investment snapshot

Capalaba, QLD 4157

Property investment analysis for Capalaba, Queensland

General information only — not personal financial, tax, or investment advice. Results are estimates based on published tax rates and market data. Terms · Privacy

Capalaba investment property metrics

Median Price

$1.26M

House

Median Rent

$705/wk

Gross Yield

2.9%

Vacancy Rate

1.0%

Days on Market

Population

18,002

+1.5%/yr

Capital Growth

1 Year

11.7%

3 Year (annualised)

10.7%

5 Year (annualised)

12.0%

HTAG RCS Scores

Growth 7/10 — Good

Cashflow 8/10 — Strong

Overall 8/10 — Strong

Market Context

Demand

Very High

Supply

Moderate

Days on Market

19 days

Population Trend

+1.5%/yr

18,002 residents

Run the numbers for Capalaba

Pre-filled with Capalaba median values. Adjust to match your scenario.

Property Details

StatePurchase Price

Deposit

20%

$251,651 deposit · LVR 80%

Weekly Rent

Your Gross Income (salary)

Interest Rate (p.a.)

Loan Type

P&IInterest Only

Property Type

EstablishedNew Build

Ownership Structure

IndividualDiscretionary Trust

Growth & Hold

Annual Capital Growth

Hold Period

years

Your weekly contribution after tax

$610/wk

$2,644/mo · $31,723/yr

Negatively geared — tax benefit of $15,404/yr reduces your out-of-pocket

PAYG Withholding Variation

Apply to the ATO to get $592 extra per fortnight in your pay, instead of waiting for your tax refund.

Acquisition Summary

Stamp Duty (QLD)$52,875LMI PremiumN/ALoan Amount$1,006,603Total Upfront Cash$306,926

Cash Flow Analysis

Gross Rental Yield2.9%Net Rental Yield2.1%Annual Rental Income$35,250Total Annual Expenses-$8,396Annual Loan Repayment (P&I)-$73,982Pre-Tax Cash Flow$-47,128Tax Benefit (neg. gearing)+$15,404After-Tax Cash Flow$-31,723/yr

Depreciation claimed: $12,583/yr (Building: $12,583 + Fixtures: $0)

Fixture depreciation (carpet, blinds, appliances) cannot be claimed on established properties purchased after 2017 — only building depreciation applies. A quantity surveyor report will give exact figures. Building cost estimated at 40% of purchase price.

Capital Growth Projection (10 yrs)

Future Value$3,925,427Capital Gain$2,737,728CGT Payable (50% discount)-$990,878Net Proceeds (after CGT & costs)$2,856,041

Transitional CGT Split Applied

Your holding period spans 1 Jul 2027. The capital gain is split proportionally between old and new rules:

Pre-Jul 2027 (10.8%)$295,704 gain → $59,884 taxPost-Jul 2027 (89.2%)$2,442,024 gain → $930,994 tax

Pre-portion: 50% discount at marginal rate. Post-portion: CPI-indexed cost base, 30% minimum tax floor.

Total Cash Flows (10 yrs)$-317,235Cash-on-Cash Return-12.5%Estimated IRR14.7%

Year-by-Year Summary

Year	Value	Equity	Total Cash Flow
1	$1,409,874	$415,177	$-31,723
2	$1,579,763	$597,733	$-63,447
3	$1,770,125	$801,569	$-95,170
4	$1,983,425	$1,029,203	$-126,894
5	$2,222,428	$1,283,454	$-158,617
6	$2,490,230	$1,567,478	$-190,341
7	$2,790,303	$1,884,806	$-222,064
8	$3,126,534	$2,239,394	$-253,788
9	$3,503,282	$2,635,669	$-285,511
10	$3,925,427	$3,078,588	$-317,235

Growth

11.2%

Investing in Capalaba, QLD

Capalaba (4157) is located in Queensland with a population of approximately 18,002 residents, growing at 1.5% per year. The suburb has a median house price of $1.26M and median weekly rent of $705, delivering a gross rental yield of 2.9%.

With a vacancy rate of just 1.0% and properties selling in an average of 19 days, Capalaba shows very high demand and moderate supply — factors that support continued price growth. Over the past 5 years, the suburb has delivered annualised capital growth of 12.0%.

Use the calculator above to model the full investment scenario for a property in Capalaba, including stamp duty, negative gearing benefits, depreciation, and the impact of proposed CGT changes on your after-tax return.