Investment snapshot

Morayfield, QLD 4506

Property investment analysis for Morayfield, Queensland

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

Morayfield investment property metrics

Median Price

$1.09M

House

Median Rent

$614/wk

Gross Yield

2.9%

Vacancy Rate

1.6%

Days on Market

Population

24,898

+2.6%/yr

Capital Growth

1 Year

18.8%

3 Year (annualised)

16.1%

5 Year (annualised)

16.2%

HTAG RCS Scores

Growth 4/10 — Fair

Cashflow 9/10 — Strong

Overall 7/10 — Good

Market Context

Demand

Moderate

Supply

Moderate

Days on Market

35 days

Population Trend

+2.6%/yr

24,898 residents

Run the numbers for Morayfield

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

Property Details

StatePurchase Price

Deposit

20%

$217,739 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

$535/wk

$2,318/mo · $27,819/yr

Negatively geared — tax benefit of $13,503/yr reduces your out-of-pocket

PAYG Withholding Variation

Apply to the ATO to get $519 extra per fortnight in your pay, instead of waiting for your tax refund.

Acquisition Summary

Stamp Duty (QLD)$43,125LMI PremiumN/ALoan Amount$870,956Total Upfront Cash$263,264

Cash Flow Analysis

Gross Rental Yield2.9%Net Rental Yield2.1%Annual Rental Income$30,700Total Annual Expenses-$8,010Annual Loan Repayment (P&I)-$64,012Pre-Tax Cash Flow$-41,322Tax Benefit (neg. gearing)+$13,503After-Tax Cash Flow$-27,819/yr

Depreciation claimed: $10,887/yr (Building: $10,887 + 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$4,877,755Capital Gain$3,852,405CGT Payable (50% discount)-$1,487,437Net Proceeds (after CGT & costs)$3,292,763

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%)$416,102 gain → $86,973 taxPost-Jul 2027 (89.2%)$3,436,303 gain → $1,400,464 tax

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

Total Cash Flows (10 yrs)$-278,189Cash-on-Cash Return-12.6%Estimated IRR20.4%

Year-by-Year Summary

Year	Value	Equity	Total Cash Flow
1	$1,264,846	$404,192	$-27,819
2	$1,469,498	$619,804	$-55,638
3	$1,707,263	$869,227	$-83,457
4	$1,983,498	$1,157,864	$-111,276
5	$2,304,428	$1,491,988	$-139,094
6	$2,677,284	$1,878,879	$-166,913
7	$3,110,469	$2,326,994	$-194,732
8	$3,613,743	$2,846,151	$-222,551
9	$4,198,446	$3,447,751	$-250,370
10	$4,877,755	$4,145,033	$-278,189

Growth

14.1%

Investing in Morayfield, QLD

Morayfield (4506) is located in Queensland with a population of approximately 24,898 residents, growing at 2.6% per year. The suburb has a median house price of $1.09M and median weekly rent of $614, delivering a gross rental yield of 2.9%.

With a vacancy rate of just 1.6% and properties selling in an average of 35 days, Morayfield shows moderate demand and moderate supply — factors that support continued price growth. Over the past 5 years, the suburb has delivered annualised capital growth of 16.2%.

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