Collaroy, NSW 2097
Northern Beaches Council, New South Wales
Good to Know
Collaroy, NSW 2097 is a high-value house market in the Northern Beaches Council area, currently positioned as a long-hold capital growth submarket. Located on Sydney's Northern Beaches north-east of the CBD, it is home to roughly 7,944 residents across 3,690 dwellings, with a vacancy rate of 1.46%.
According to HtAG Analytics, Collaroy is exhibiting a tight-supply, rent-supportive profile. Stock on Market sits at 0.32% and Inventory at 3.66 months — slightly above the ~3-month balanced-market threshold — driving +2.5% YoY price growth and +3.6% YoY rent growth.
What the market data is signalling
Price growth in Collaroy (+2.5% over 12 months) is modest while rents are running a touch stronger (+3.6%), a pattern consistent with rental-led momentum in a high-price, low-yield area. Low Stock on Market (0.32%) provides upside support for capital values even though gross yield (2.38%) is below the recommended 3% threshold, which constrains cashflow-focused strategies. See the Markets in the Moment (MiM™) heatmap for how Collaroy compares to other local pockets.
Who lives in Collaroy — and why it matters for investors
Collaroy posts an IRSAD of 1100, comfortably above the HtAG baseline, signalling relative affluence and demand from higher-income buyers. That socio-economic profile tends to lower downside volatility for capital values but also correlates with lower rental yields. Renter/Owner sits at 30.0% (neutral), while the Units/Houses ratio is 69.0% (unfavourable for buyers targeting houses), both of which shape tenant demand and liquidity. Read more in our IRSAD Crossover study.
Why suburb-level data matters for Collaroy
Suburb-level metrics tell a different story than a council average can. Collaroy's typical house price is $3,488,425 with a median rent of $1,595, producing a gross yield of 2.38%. Supply signals show Stock on Market at 0.32%, Inventory at 3.66 months and median days on market at 56 days — all critical inputs for underwriting. For a deeper methodology read, see LGA vs Suburb research.
For a downloadable breakdown, get the full Collaroy, NSW 2097 data guide.
What's behind the RCS™ score of 47
HtAG's RCS™ (Rating Composite Score) bundles three independent dimensions — risk minimisation, capital-growth potential and cashflow resilience — into a single composite so you can match markets to strategies. A score of 47 flags moderate overall prospects with trade-offs between capital upside and cashflow; reviewing the sub-score breakdown helps align Collaroy to either growth or income-led plans. Learn how the RCS™ is built.
Forward signals to watch
vacancy rate — currently 1.46%: sustained sub-2% vacancies typically support rent growth and put downward pressure on yield-sensitive sellers over 12–24 months.
building approvals ratio — currently 1.27%: a neutral reading that suggests new supply is not flooding the market, so approvals are unlikely to rapidly loosen fundamentals in the near term.
Sydney cycle phase: any city-wide shift in the Sydney cycle (e.g. stronger growth or a deeper correction) would amplify local momentum in Collaroy; watch broader cycle signals to time entry or risk management.
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RCS Breakdown
Collaroy's RCS™ headline is an overall signal — but it doesn't tell you why. The three sub-scores below reveal whether that score is earned through risk minimisation, capital growth, or cashflow — and which portfolio brief it fits.
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Critical to know
Market Trends
Collaroy's headline values — $3,488K to buy and $1,597PW to rent, a 2.38% gross yield. Over the past decade, prices have moved 51.40% and rents 40.16% — the Yield series shows whether that gap is widening (price outpacing rent, yield compressing) or closing.
$3,488K is today. The 10-year trajectory reveals whether that's the top of a run, the start of a new leg, or somewhere mid-cycle. Sign up to unlock the entire trend line.
$1,597PW today, with rent growth at (+3.57% YoY) compared to price growth (+2.54%). That spread determines yield is expanding or compressing across the next cycle. Sign up to unlock the entire trend line.
Where is Collaroy in its cycle - and is the 2.38% yield holding?
Cycle phase tells you whether you're buying near the bottom (room to run) or top (compression ahead). Yield trajectory tells you whether cashflow is durable or being eroded — the single most important question for a long-hold thesis.
Cycle Phase
Cycle Position
Yield Trajectory
Rent vs Price Spread
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Area Risks
Property data alone won't flag the structural risks that can erode a long-hold position. Bushfire overlays, flood-zone exposure, and economic concentration sit outside the price feed but determine whether your capital is insurable, defensible, and structurally protected. Unlock to see.
Are there hidden structural risks shaping Collaroy's long-hold story?
Beyond the headline price, Collaroy carries risk signals a median can't show — hazard exposure from bushfire and flood overlays, and how narrowly local employment leans on a handful of sectors (the concentration the EDI score quantifies). Together these separate insurable, defensible long-holds from those carrying tail-risk that never surfaces in the headline number.
MADI Risk
EDI Risk
Bushfire
Flood
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Critical to know
Supply & Demand
Collaroy's headline numbers show where the market is today. The two cards below answer where it's heading. Direction is what separates a buy from a wait.
Is housing supply tightening or building up?
Stock on Market is one number — the trend is what matters. SoM, inventory, building approvals and hold period together reveal whether the market is starving for stock (price pressure up) or quietly building a pipeline (pressure down).
Stock on Market
Inventory
Building Approvals
Hold Period
Is buyer and renter demand heating up or cooling off?
Vacancy is one signal — the real question is whether demand is still building or quietly peaking. Days on market, vacancy, search index and clearance rate are the four pulse-points — when they diverge, they signal a turning point.
Days on Market
Vacancy Rate
Search Index
Clearance Rate
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Fundamentals
Collaroy can look solid on the surface — but the three layers below separate markets that genuinely hold value from ones that only look like they do.
Is Collaroy genuinely stable - or just expensive?
IRSAD hints at affluence, but socio-economic strength alone doesn't guarantee resilience. Combined with the renter-to-owner balance and unit-to-house ratio, you get the three signals that separate a tightly-held submarket from one carrying hidden volatility.
IRSAD
Renter to Owner
Units to Houses
Where do Collaroy prices go over the next 12 months?
Today's headline price is just a snapshot. Projected ROI and the volatility index tell you whether to commit capital now, wait for a softer entry, or rotate into a steadie submarket.
Projected Annual ROI
Volatility Index
Can you actually buy into Collaroy - and exit cleanly?
Tightly-held areas reward long-hold investors but punish anyone who needs liquidity. Annual sales and rental volume reveal whether your capital can reposition — or sits structurally locked in.
Annual Sales Volume
Annual Rental Volume
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Important to know
Education & Infrastructure
Collaroy looks tightly-held and stable on the surface — but the three layers below separate areas that genuinely hold value from ones that only look like they do.
Does Collaroy's school catchment + infrastructure pipeline justify the price?
School ranks anchor family demand and tenant quality. The active infrastructure pipeline shifts a suburb's price ceiling over the next 5–10 years. Together they tell you whether Collaroy has structural support for the next leg of capital growth.
School Rank
Hospitals & Employment
Infrastructure Spend
Transport Projects
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Full HtAG Intelligence
Collaroy shows potential. The platform tells you whether it's the best fit for your portfolio.
Price and yield are only the surface. HtAG reads the forces underneath — supply tightening or loosening, demand heating or cooling, and the risks that move slowly but decide long-term growth. Together they show whether Collaroy has the structural support for its next leg — or whether the numbers are running ahead of the fundamentals.
The total adult population (15 years or older) of Collaroy 2097 NSW is 6,744, with a median age of 43. Of those, 46.32% are married, 11.80% are divorced or separated, 36.03% are single and 5.83% are widowed.
The average household size is 2.5 people per dwelling, and the median household monthly income is estimated to be $11,628. The median monthly mortgage repayment for households in this suburb is $2,800 which is 24.08% of their earnings.
Source: ABS Census Data (2021)