Best Suburbs for First Home Buyers in St George
Expert shortlist of the most affordable, liveable, and growth-oriented suburbs for first home buyers in Sydney's St George district.
$480K
Lowest Entry Price
6
Suburbs Analysed
+4.2%
Avg Annual Growth
25 min
Avg CBD Commute
Top 6 Suburbs for First Home Buyers
Ranked by affordability, growth potential, and liveability
Hurstville
Entry Price
$520,000
Unit Median
$680,000
12M Growth
+4.2%
Train to CBD
25 mins
Top pick for first home buyers seeking urban lifestyle with excellent public transport. Entry-level units offer great value.
Kogarah
Entry Price
$550,000
Unit Median
$720,000
12M Growth
+3.8%
Train to CBD
22 mins
Excellent long-term investment with hospital precinct driving demand. Strong rental yields if plans change.
Penshurst
Entry Price
$480,000
Unit Median
$620,000
12M Growth
+5.1%
Train to CBD
28 mins
Hidden gem with lower entry prices and strong growth. Great stepping stone suburb.
Allawah
Entry Price
$490,000
Unit Median
$630,000
12M Growth
+4.5%
Train to CBD
24 mins
One of the most affordable suburbs with a train station. Benefits from Hurstville's amenities next door.
Carlton
Entry Price
$510,000
Unit Median
$650,000
12M Growth
+4.0%
Train to CBD
26 mins
Solid family suburb with room to grow. Good mix of houses and units available.
Rockdale
Entry Price
$530,000
Unit Median
$670,000
12M Growth
+3.5%
Train to CBD
20 mins
Excellent transport links and improving streetscape. Good capital growth potential.
First Home Buyer Incentives
Government schemes that can help you get into the market sooner
First Home Owner Grant (FHOG)
NSW offers $10,000 for new homes under $600,000. Check eligibility at revenue.nsw.gov.au.
Stamp Duty Exemptions
Full exemption for existing homes under $800,000. Concessions up to $1,000,000. New homes have different thresholds.
First Home Guarantee
Federal scheme allowing 5% deposit with no LMI. Limited places available each year.
First Home Super Saver
Withdraw voluntary super contributions (up to $50,000) for your first home deposit.
* Eligibility criteria apply. Visit revenue.nsw.gov.au or consult a mortgage broker for current details.
Smart Buying Tips
What I tell every first home buyer client
Budget Realistically
- •Factor in stamp duty, legal fees, inspections ($15-20k on top of purchase)
- •Keep 3-6 months expenses as emergency buffer
- •Consider ongoing costs: rates, strata, maintenance
Location vs Size
- •A smaller property in a better location often grows faster
- •Train line access adds 5-10% to property values
- •Walk the suburb at night before committing
Unit vs House
- •Units are more affordable but check strata costs
- •Townhouses offer middle ground with less maintenance
- •Consider future resale - who's your buyer?
Growth Potential
- •Look for infrastructure projects in pipeline
- •Suburbs "next to" established areas often perform well
- •Check development applications in the area
Plan Your Purchase
Use our free calculators to understand your position
Ready to Find Your First Home?
I've helped hundreds of first home buyers navigate the St George market. Let me help you find the right property at the right price.
Cite This Guide
Journalists and content creators are welcome to reference this guide with attribution.
Kalinovski, M. (2026). Best Suburbs for First Home Buyers in St George Sydney. michaelkalinovski.com. Retrieved from https://michaelkalinovski.com/guides/best-suburbs-first-home-buyers