PropDEV

Cost to build a house on the Northern Beaches

The Northern Beaches covers a wide cost spectrum — from the heritage-conservation pockets of Manly and Balgowlah, through the coastal premium markets at Freshwater, Curl Curl and Whale Beach, to the family-market suburbs around Dee Why, Beacon Hill, and Forestville. The dominant cost drivers are different from harbourside Sydney: bushfire attack level (BAL) construction requirements, coastal salt-air durability, sloped sites, and Northern Beaches Council's controls on tree removal and stormwater. Per-m² rates run $4,500–$8,500/m² for premium-to-luxury work in 2025–26 depending on suburb and site. This calculator is pre-configured for a Northern Beaches premium new build with elevated site difficulty.

Your inputs · Quick Assisted Mode

Deal basics

Enter the essentials. Everything else is assumed from our NSW rate library — you can drill in once the headline looks right.

What are you doing with this deal?
Realism (overrun buffer)5%
0% optimistic5% baseline25% stress test

Separate from contingency. Contingency = unknowns you haven't priced; overrun = things you HAVE priced that slip anyway (weather, scope creep, late deliveries, prices moving between estimate and order).

Builder, agent, rates & tax

Cost-plus margin, HBCF, buyer's agent (optional), council rates, GST. Defaults reflect Sydney 2025-26.

NSW Land Tax — many people don't know this exists

If your site's unimproved land value (council's UV figure) is above $1,075,000, you pay 1.6% per year on the amount above that — plus a flat $100. Above $6,571,000 the premium rate of 2% kicks in. On a typical $3M Sydney dev site that's about $31,000/year while you hold it.

Exemptions: your principal place of residence (PPR), active primary production, certain charities. Toggle below if exempt.

Building classification (NCC + NSW DBP)

Class 1a (single dwelling, own title) vs Class 2 (multi-unit, strata). Class 2 triggers NSW DBP Act 2020 — registered Design & Building Practitioners, regulated design declarations. ~$45k-$120k uplift + 1.5-4 months program impact.

Hold-mode inputs

Rental yield, hold period, and target net yield. Leave rent blank to infer from the NSW rental-yield rate library.

Affordability inputs

Owner-occupier mode — pick what you're doing, then fill in the numbers. NSW first-home-buyer concession applied automatically when eligible.

What are you doing?

Build cost is computed from the standard cost stack above (construction $/m² × dwelling area + soft costs + finance + contingency). Set dwelling size, quality, site difficulty in the main inputs to drive it.

Rate library NSW-2025.26 · last refreshed 2026-05-11
Results & analysis

Live as you type. Click any number to see the trace. Advanced analysis is collapsed by default — open the section near the bottom when you want scenarios, sensitivity, cash flow, and scale modelling.

Affordability — buy land + build

Land purchase, full build cost stack, construction loan. Stamp duty on land only; build costs roll into the mortgage.

Unaffordable on these inputs
Repayment exceeds serviceability cap or DTI is in regulator hot zone.
Upfront cash
$647,072
deposit + duty + LMI + legals
Monthly P&I
$31,358
@ 6.2% / 30y
Loan amount
$5,120,010
LVR 95.5% · DTI 23.3×
Serviceability
150%
of $4,917 cap
Project value composition
Land price: $3,200,000
Build cost: $2,160,010
Total project: $5,360,010

Stamp duty applies to the land purchase only. The build rolls into a construction loan that draws down progressively.

Upfront componentAUD
Cash deposit$240,000
Stamp duty$158,012
LMI(Applied (LVR > 80%))$245,760
Legals + inspection$3,300
Total upfront cash$647,072
Total interest paid over term
$6,169,040
If you hold the full term
Total cost of ownership
$11,936,123
Price + duty + LMI + legals + interest

Indicative only. Lenders apply their own serviceability formula with a stressed-rate buffer (typically +3pp on the actual rate). Stamp duty uses the NSW 2025-26 schedule with First Home Buyer Assistance Scheme thresholds. LMI is estimated against public premium tables — actual LMI varies by lender, postcode, and policy.

What this deal is telling you

1 critical2 warning

Plain-English read on the current numbers — risks, opportunities, and what to verify next. Sorted most-urgent first.

  • Not feasible at current inputs (-57.3% margin on cost)

    verdict

    Total revenue of $2,400,000 doesn't cover total cost of $5,616,868 with target margin. You'd lose $3,216,868.

    Next step: Try the What-if Solver on purchase price or sale price to see what the deal needs.

  • Build rate $4,485/m² is 55% above the Sydney median for house_and_land

    construction

    Sydney-metro 2025 median for house_and_land is roughly $2,900/m²/m². You're at $4,485/m² — that's a 55% premium.

    Next step: Sanity-check with a builder before commit — premium spec, difficult site, or just optimistic?

  • Contingency at 2.7% is thin for an early-feasibility project

    contingency

    At feasibility stage, ~10% contingency on construction + design is conventional. You're below that, so a single unpriced item (eg geotech surprise, demo cost, services upgrade) can knock the deal.

    Next step: Bump the project stage if the design's more advanced, or increase contingency in Pro Mode.

Here's how the numbers were built

Updates live as you edit

Revenue

  • Revenue of $2,400,000 comes from 1 house-and-land package selling at an average of $2,400,000 each.

Construction cost

  • Construction lands at $1,309,755290 m² of gross floor area × $4,485/m².
  • That rate is a Sydney metro high-end house-and-land build on a difficult site (rate library, medium confidence). Plausible range: $3,456/m² – $6,250/m².
  • Difficult sites carry higher siteworks risk — verify excavation, rock, services, and access before committing.

Acquisition

  • Land acquisition totals $3,372,512 — the $3,200,000 purchase plus $172,512 of NSW stamp duty, legal, due diligence, and settlement adjustments.
  • Stamp duty alone runs against the current Revenue NSW schedule (1 July 2025 – 30 June 2026). The thresholds re-index every July.

Soft costs, finance & contingency

  • Planning & design — architect, engineers, planners, certifier, plus council/authority contributions — adds $106,585. Contributions vary wildly by council; this line carries low confidence and should be verified.
  • Project management, QS, insurance, and other professional fees add $39,293. Marketing, sales commission, and legal on sale add $83,100.
  • Finance — interest plus establishment and line fees — adds $379,657 at an indicative 9.5% rate and 65% loan-to-cost. Replace with a real lender quote before relying on this.
  • Holding costs — rates, NSW land tax, utilities while you develop — add $84,700 over the project life.
  • Contingency of $153,873 reflects the early feasibility stage. Earlier stages carry more contingency because more is unknown — it shrinks as the project matures and the builder quotes harden.

The bottom line

  • Total development cost is $5,616,868. Against revenue of $2,400,000, the deal yields -$3,216,868 of profit — a -57.3% margin on cost.
  • That's 75.3% below your 18% target — material rework needed (lower land price, higher sale prices, smaller spec, or all three).
  • Required equity is $1,935,316 with peak debt of $3,594,159 (simplified — a cash-flow-driven peak comes in the next phase). Return on equity comes in at -166.2%.

What would change the answer

  • Break-even sale price is $5,616,868 per house-and-land package — sale prices can drop by -134% before the deal loses money.

Cost breakdown

Every line is editable in Pro Mode (Phase G)
Total development cost$5,616,868
Advanced analysis
Scenarios · sensitivity · monthly cash flow & IRR · scale recommender
▸ open

Scenarios — how resilient is this deal?

Conservative stress-tests; optimistic gives it tailwinds.
ConservativeNot feasible
0%
net yield on cost
+0.0pp vs base
Annual cash
$0
Entry cost
$660,686
BaseNot feasible
0%
net yield on cost
Annual cash
$0
Entry cost
$647,072
OptimisticNot feasible
0%
net yield on cost
+0.0pp vs base
Annual cash
$0
Entry cost
$640,146

Conservative: -5% sale price, +7.5% build cost, +5pp overrun, +20% duration. Optimistic: +5% sale price, -5% build cost, -2pp overrun, -10% duration.

Sensitivity — which levers move the needle

Target: 3.5% net yield on cost
Lever-10%-5%Base+5%+10%
Sale price0%0%0%0%0%
Build cost0%0%0%0%0%
Duration0%0%0%0%0%
Overrun buffer0%0%0%0%0%
Meets targetWithin 15% of targetBelow target

What scale does this site need?

Target: 18.0% margin on cost

You're proposing 1 dwelling × 290 m² (290 m² total GFA) → 0.0% margin on cost.

No configuration in the search range meets your 18.0% target. The deal is fundamentally constrained — land is too expensive, sale prices too low, or costs too high. Consider revisiting the inputs before tuning scale.

Dwelling size (m²)3803603403203002802602402202001801601401201001234567891011121314151617181920Yield (dwellings)1 dwellings × 380 m² → 0.0% margin on cost (fail)2 dwellings × 380 m² → 0.0% margin on cost (fail)3 dwellings × 380 m² → 0.0% margin on cost (fail)4 dwellings × 380 m² → 0.0% margin on cost (fail)5 dwellings × 380 m² → 0.0% margin on cost (fail)6 dwellings × 380 m² → 0.0% margin on cost (fail)7 dwellings × 380 m² → 0.0% margin on cost (fail)8 dwellings × 380 m² → 0.0% margin on cost (fail)9 dwellings × 380 m² → 0.0% margin on cost (fail)10 dwellings × 380 m² → 0.0% margin on cost (fail)11 dwellings × 380 m² → 0.0% margin on cost (fail)12 dwellings × 380 m² → 0.0% margin on cost (fail)13 dwellings × 380 m² → 0.0% margin on cost (fail)14 dwellings × 380 m² → 0.0% margin on cost (fail)15 dwellings × 380 m² → 0.0% margin on cost (fail)16 dwellings × 380 m² → 0.0% margin on cost (fail)17 dwellings × 380 m² → 0.0% margin on cost (fail)18 dwellings × 380 m² → 0.0% margin on cost (fail)19 dwellings × 380 m² → 0.0% margin on cost (fail)20 dwellings × 380 m² → 0.0% margin on cost (fail)1 dwellings × 360 m² → 0.0% margin on cost (fail)2 dwellings × 360 m² → 0.0% margin on cost (fail)3 dwellings × 360 m² → 0.0% margin on cost (fail)4 dwellings × 360 m² → 0.0% margin on cost (fail)5 dwellings × 360 m² → 0.0% margin on cost (fail)6 dwellings × 360 m² → 0.0% margin on cost (fail)7 dwellings × 360 m² → 0.0% margin on cost (fail)8 dwellings × 360 m² → 0.0% margin on cost (fail)9 dwellings × 360 m² → 0.0% margin on cost (fail)10 dwellings × 360 m² → 0.0% margin on cost (fail)11 dwellings × 360 m² → 0.0% margin on cost (fail)12 dwellings × 360 m² → 0.0% margin on cost (fail)13 dwellings × 360 m² → 0.0% margin on cost (fail)14 dwellings × 360 m² → 0.0% margin on cost (fail)15 dwellings × 360 m² → 0.0% margin on cost (fail)16 dwellings × 360 m² → 0.0% margin on cost (fail)17 dwellings × 360 m² → 0.0% margin on cost (fail)18 dwellings × 360 m² → 0.0% margin on cost (fail)19 dwellings × 360 m² → 0.0% margin on cost (fail)20 dwellings × 360 m² → 0.0% margin on cost (fail)1 dwellings × 340 m² → 0.0% margin on cost (fail)2 dwellings × 340 m² → 0.0% margin on cost (fail)3 dwellings × 340 m² → 0.0% margin on cost (fail)4 dwellings × 340 m² → 0.0% margin on cost (fail)5 dwellings × 340 m² → 0.0% margin on cost (fail)6 dwellings × 340 m² → 0.0% margin on cost (fail)7 dwellings × 340 m² → 0.0% margin on cost (fail)8 dwellings × 340 m² → 0.0% margin on cost (fail)9 dwellings × 340 m² → 0.0% margin on cost (fail)10 dwellings × 340 m² → 0.0% margin on cost (fail)11 dwellings × 340 m² → 0.0% margin on cost (fail)12 dwellings × 340 m² → 0.0% margin on cost (fail)13 dwellings × 340 m² → 0.0% margin on cost (fail)14 dwellings × 340 m² → 0.0% margin on cost (fail)15 dwellings × 340 m² → 0.0% margin on cost (fail)16 dwellings × 340 m² → 0.0% margin on cost (fail)17 dwellings × 340 m² → 0.0% margin on cost (fail)18 dwellings × 340 m² → 0.0% margin on cost (fail)19 dwellings × 340 m² → 0.0% margin on cost (fail)20 dwellings × 340 m² → 0.0% margin on cost (fail)1 dwellings × 320 m² → 0.0% margin on cost (fail)2 dwellings × 320 m² → 0.0% margin on cost (fail)3 dwellings × 320 m² → 0.0% margin on cost (fail)4 dwellings × 320 m² → 0.0% margin on cost (fail)5 dwellings × 320 m² → 0.0% margin on cost (fail)6 dwellings × 320 m² → 0.0% margin on cost (fail)7 dwellings × 320 m² → 0.0% margin on cost (fail)8 dwellings × 320 m² → 0.0% margin on cost (fail)9 dwellings × 320 m² → 0.0% margin on cost (fail)10 dwellings × 320 m² → 0.0% margin on cost (fail)11 dwellings × 320 m² → 0.0% margin on cost (fail)12 dwellings × 320 m² → 0.0% margin on cost (fail)13 dwellings × 320 m² → 0.0% margin on cost (fail)14 dwellings × 320 m² → 0.0% margin on cost (fail)15 dwellings × 320 m² → 0.0% margin on cost (fail)16 dwellings × 320 m² → 0.0% margin on cost (fail)17 dwellings × 320 m² → 0.0% margin on cost (fail)18 dwellings × 320 m² → 0.0% margin on cost (fail)19 dwellings × 320 m² → 0.0% margin on cost (fail)20 dwellings × 320 m² → 0.0% margin on cost (fail)1 dwellings × 300 m² → 0.0% margin on cost (fail)2 dwellings × 300 m² → 0.0% margin on cost (fail)3 dwellings × 300 m² → 0.0% margin on cost (fail)4 dwellings × 300 m² → 0.0% margin on cost (fail)5 dwellings × 300 m² → 0.0% margin on cost (fail)6 dwellings × 300 m² → 0.0% margin on cost (fail)7 dwellings × 300 m² → 0.0% margin on cost (fail)8 dwellings × 300 m² → 0.0% margin on cost (fail)9 dwellings × 300 m² → 0.0% margin on cost (fail)10 dwellings × 300 m² → 0.0% margin on cost (fail)11 dwellings × 300 m² → 0.0% margin on cost (fail)12 dwellings × 300 m² → 0.0% margin on cost (fail)13 dwellings × 300 m² → 0.0% margin on cost (fail)14 dwellings × 300 m² → 0.0% margin on cost (fail)15 dwellings × 300 m² → 0.0% margin on cost (fail)16 dwellings × 300 m² → 0.0% margin on cost (fail)17 dwellings × 300 m² → 0.0% margin on cost (fail)18 dwellings × 300 m² → 0.0% margin on cost (fail)19 dwellings × 300 m² → 0.0% margin on cost (fail)20 dwellings × 300 m² → 0.0% margin on cost (fail)1 dwellings × 280 m² → 0.0% margin on cost (fail)2 dwellings × 280 m² → 0.0% margin on cost (fail)3 dwellings × 280 m² → 0.0% margin on cost (fail)4 dwellings × 280 m² → 0.0% margin on cost (fail)5 dwellings × 280 m² → 0.0% margin on cost (fail)6 dwellings × 280 m² → 0.0% margin on cost (fail)7 dwellings × 280 m² → 0.0% margin on cost (fail)8 dwellings × 280 m² → 0.0% margin on cost (fail)9 dwellings × 280 m² → 0.0% margin on cost (fail)10 dwellings × 280 m² → 0.0% margin on cost (fail)11 dwellings × 280 m² → 0.0% margin on cost (fail)12 dwellings × 280 m² → 0.0% margin on cost (fail)13 dwellings × 280 m² → 0.0% margin on cost (fail)14 dwellings × 280 m² → 0.0% margin on cost (fail)15 dwellings × 280 m² → 0.0% margin on cost (fail)16 dwellings × 280 m² → 0.0% margin on cost (fail)17 dwellings × 280 m² → 0.0% margin on cost (fail)18 dwellings × 280 m² → 0.0% margin on cost (fail)19 dwellings × 280 m² → 0.0% margin on cost (fail)20 dwellings × 280 m² → 0.0% margin on cost (fail)1 dwellings × 260 m² → 0.0% margin on cost (fail)2 dwellings × 260 m² → 0.0% margin on cost (fail)3 dwellings × 260 m² → 0.0% margin on cost (fail)4 dwellings × 260 m² → 0.0% margin on cost (fail)5 dwellings × 260 m² → 0.0% margin on cost (fail)6 dwellings × 260 m² → 0.0% margin on cost (fail)7 dwellings × 260 m² → 0.0% margin on cost (fail)8 dwellings × 260 m² → 0.0% margin on cost (fail)9 dwellings × 260 m² → 0.0% margin on cost (fail)10 dwellings × 260 m² → 0.0% margin on cost (fail)11 dwellings × 260 m² → 0.0% margin on cost (fail)12 dwellings × 260 m² → 0.0% margin on cost (fail)13 dwellings × 260 m² → 0.0% margin on cost (fail)14 dwellings × 260 m² → 0.0% margin on cost (fail)15 dwellings × 260 m² → 0.0% margin on cost (fail)16 dwellings × 260 m² → 0.0% margin on cost (fail)17 dwellings × 260 m² → 0.0% margin on cost (fail)18 dwellings × 260 m² → 0.0% margin on cost (fail)19 dwellings × 260 m² → 0.0% margin on cost (fail)20 dwellings × 260 m² → 0.0% margin on cost (fail)1 dwellings × 240 m² → 0.0% margin on cost (fail)2 dwellings × 240 m² → 0.0% margin on cost (fail)3 dwellings × 240 m² → 0.0% margin on cost (fail)4 dwellings × 240 m² → 0.0% margin on cost (fail)5 dwellings × 240 m² → 0.0% margin on cost (fail)6 dwellings × 240 m² → 0.0% margin on cost (fail)7 dwellings × 240 m² → 0.0% margin on cost (fail)8 dwellings × 240 m² → 0.0% margin on cost (fail)9 dwellings × 240 m² → 0.0% margin on cost (fail)10 dwellings × 240 m² → 0.0% margin on cost (fail)11 dwellings × 240 m² → 0.0% margin on cost (fail)12 dwellings × 240 m² → 0.0% margin on cost (fail)13 dwellings × 240 m² → 0.0% margin on cost (fail)14 dwellings × 240 m² → 0.0% margin on cost (fail)15 dwellings × 240 m² → 0.0% margin on cost (fail)16 dwellings × 240 m² → 0.0% margin on cost (fail)17 dwellings × 240 m² → 0.0% margin on cost (fail)18 dwellings × 240 m² → 0.0% margin on cost (fail)19 dwellings × 240 m² → 0.0% margin on cost (fail)20 dwellings × 240 m² → 0.0% margin on cost (fail)1 dwellings × 220 m² → 0.0% margin on cost (fail)2 dwellings × 220 m² → 0.0% margin on cost (fail)3 dwellings × 220 m² → 0.0% margin on cost (fail)4 dwellings × 220 m² → 0.0% margin on cost (fail)5 dwellings × 220 m² → 0.0% margin on cost (fail)6 dwellings × 220 m² → 0.0% margin on cost (fail)7 dwellings × 220 m² → 0.0% margin on cost (fail)8 dwellings × 220 m² → 0.0% margin on cost (fail)9 dwellings × 220 m² → 0.0% margin on cost (fail)10 dwellings × 220 m² → 0.0% margin on cost (fail)11 dwellings × 220 m² → 0.0% margin on cost (fail)12 dwellings × 220 m² → 0.0% margin on cost (fail)13 dwellings × 220 m² → 0.0% margin on cost (fail)14 dwellings × 220 m² → 0.0% margin on cost (fail)15 dwellings × 220 m² → 0.0% margin on cost (fail)16 dwellings × 220 m² → 0.0% margin on cost (fail)17 dwellings × 220 m² → 0.0% margin on cost (fail)18 dwellings × 220 m² → 0.0% margin on cost (fail)19 dwellings × 220 m² → 0.0% margin on cost (fail)20 dwellings × 220 m² → 0.0% margin on cost (fail)1 dwellings × 200 m² → 0.0% margin on cost (fail)2 dwellings × 200 m² → 0.0% margin on cost (fail)3 dwellings × 200 m² → 0.0% margin on cost (fail)4 dwellings × 200 m² → 0.0% margin on cost (fail)5 dwellings × 200 m² → 0.0% margin on cost (fail)6 dwellings × 200 m² → 0.0% margin on cost (fail)7 dwellings × 200 m² → 0.0% margin on cost (fail)8 dwellings × 200 m² → 0.0% margin on cost (fail)9 dwellings × 200 m² → 0.0% margin on cost (fail)10 dwellings × 200 m² → 0.0% margin on cost (fail)11 dwellings × 200 m² → 0.0% margin on cost (fail)12 dwellings × 200 m² → 0.0% margin on cost (fail)13 dwellings × 200 m² → 0.0% margin on cost (fail)14 dwellings × 200 m² → 0.0% margin on cost (fail)15 dwellings × 200 m² → 0.0% margin on cost (fail)16 dwellings × 200 m² → 0.0% margin on cost (fail)17 dwellings × 200 m² → 0.0% margin on cost (fail)18 dwellings × 200 m² → 0.0% margin on cost (fail)19 dwellings × 200 m² → 0.0% margin on cost (fail)20 dwellings × 200 m² → 0.0% margin on cost (fail)1 dwellings × 180 m² → 0.0% margin on cost (fail)2 dwellings × 180 m² → 0.0% margin on cost (fail)3 dwellings × 180 m² → 0.0% margin on cost (fail)4 dwellings × 180 m² → 0.0% margin on cost (fail)5 dwellings × 180 m² → 0.0% margin on cost (fail)6 dwellings × 180 m² → 0.0% margin on cost (fail)7 dwellings × 180 m² → 0.0% margin on cost (fail)8 dwellings × 180 m² → 0.0% margin on cost (fail)9 dwellings × 180 m² → 0.0% margin on cost (fail)10 dwellings × 180 m² → 0.0% margin on cost (fail)11 dwellings × 180 m² → 0.0% margin on cost (fail)12 dwellings × 180 m² → 0.0% margin on cost (fail)13 dwellings × 180 m² → 0.0% margin on cost (fail)14 dwellings × 180 m² → 0.0% margin on cost (fail)15 dwellings × 180 m² → 0.0% margin on cost (fail)16 dwellings × 180 m² → 0.0% margin on cost (fail)17 dwellings × 180 m² → 0.0% margin on cost (fail)18 dwellings × 180 m² → 0.0% margin on cost (fail)19 dwellings × 180 m² → 0.0% margin on cost (fail)20 dwellings × 180 m² → 0.0% margin on cost (fail)1 dwellings × 160 m² → 0.0% margin on cost (fail)2 dwellings × 160 m² → 0.0% margin on cost (fail)3 dwellings × 160 m² → 0.0% margin on cost (fail)4 dwellings × 160 m² → 0.0% margin on cost (fail)5 dwellings × 160 m² → 0.0% margin on cost (fail)6 dwellings × 160 m² → 0.0% margin on cost (fail)7 dwellings × 160 m² → 0.0% margin on cost (fail)8 dwellings × 160 m² → 0.0% margin on cost (fail)9 dwellings × 160 m² → 0.0% margin on cost (fail)10 dwellings × 160 m² → 0.0% margin on cost (fail)11 dwellings × 160 m² → 0.0% margin on cost (fail)12 dwellings × 160 m² → 0.0% margin on cost (fail)13 dwellings × 160 m² → 0.0% margin on cost (fail)14 dwellings × 160 m² → 0.0% margin on cost (fail)15 dwellings × 160 m² → 0.0% margin on cost (fail)16 dwellings × 160 m² → 0.0% margin on cost (fail)17 dwellings × 160 m² → 0.0% margin on cost (fail)18 dwellings × 160 m² → 0.0% margin on cost (fail)19 dwellings × 160 m² → 0.0% margin on cost (fail)20 dwellings × 160 m² → 0.0% margin on cost (fail)1 dwellings × 140 m² → 0.0% margin on cost (fail)2 dwellings × 140 m² → 0.0% margin on cost (fail)3 dwellings × 140 m² → 0.0% margin on cost (fail)4 dwellings × 140 m² → 0.0% margin on cost (fail)5 dwellings × 140 m² → 0.0% margin on cost (fail)6 dwellings × 140 m² → 0.0% margin on cost (fail)7 dwellings × 140 m² → 0.0% margin on cost (fail)8 dwellings × 140 m² → 0.0% margin on cost (fail)9 dwellings × 140 m² → 0.0% margin on cost (fail)10 dwellings × 140 m² → 0.0% margin on cost (fail)11 dwellings × 140 m² → 0.0% margin on cost (fail)12 dwellings × 140 m² → 0.0% margin on cost (fail)13 dwellings × 140 m² → 0.0% margin on cost (fail)14 dwellings × 140 m² → 0.0% margin on cost (fail)15 dwellings × 140 m² → 0.0% margin on cost (fail)16 dwellings × 140 m² → 0.0% margin on cost (fail)17 dwellings × 140 m² → 0.0% margin on cost (fail)18 dwellings × 140 m² → 0.0% margin on cost (fail)19 dwellings × 140 m² → 0.0% margin on cost (fail)20 dwellings × 140 m² → 0.0% margin on cost (fail)1 dwellings × 120 m² → 0.0% margin on cost (fail)2 dwellings × 120 m² → 0.0% margin on cost (fail)3 dwellings × 120 m² → 0.0% margin on cost (fail)4 dwellings × 120 m² → 0.0% margin on cost (fail)5 dwellings × 120 m² → 0.0% margin on cost (fail)6 dwellings × 120 m² → 0.0% margin on cost (fail)7 dwellings × 120 m² → 0.0% margin on cost (fail)8 dwellings × 120 m² → 0.0% margin on cost (fail)9 dwellings × 120 m² → 0.0% margin on cost (fail)10 dwellings × 120 m² → 0.0% margin on cost (fail)11 dwellings × 120 m² → 0.0% margin on cost (fail)12 dwellings × 120 m² → 0.0% margin on cost (fail)13 dwellings × 120 m² → 0.0% margin on cost (fail)14 dwellings × 120 m² → 0.0% margin on cost (fail)15 dwellings × 120 m² → 0.0% margin on cost (fail)16 dwellings × 120 m² → 0.0% margin on cost (fail)17 dwellings × 120 m² → 0.0% margin on cost (fail)18 dwellings × 120 m² → 0.0% margin on cost (fail)19 dwellings × 120 m² → 0.0% margin on cost (fail)20 dwellings × 120 m² → 0.0% margin on cost (fail)1 dwellings × 100 m² → 0.0% margin on cost (fail)2 dwellings × 100 m² → 0.0% margin on cost (fail)3 dwellings × 100 m² → 0.0% margin on cost (fail)4 dwellings × 100 m² → 0.0% margin on cost (fail)5 dwellings × 100 m² → 0.0% margin on cost (fail)6 dwellings × 100 m² → 0.0% margin on cost (fail)7 dwellings × 100 m² → 0.0% margin on cost (fail)8 dwellings × 100 m² → 0.0% margin on cost (fail)9 dwellings × 100 m² → 0.0% margin on cost (fail)10 dwellings × 100 m² → 0.0% margin on cost (fail)11 dwellings × 100 m² → 0.0% margin on cost (fail)12 dwellings × 100 m² → 0.0% margin on cost (fail)13 dwellings × 100 m² → 0.0% margin on cost (fail)14 dwellings × 100 m² → 0.0% margin on cost (fail)15 dwellings × 100 m² → 0.0% margin on cost (fail)16 dwellings × 100 m² → 0.0% margin on cost (fail)17 dwellings × 100 m² → 0.0% margin on cost (fail)18 dwellings × 100 m² → 0.0% margin on cost (fail)19 dwellings × 100 m² → 0.0% margin on cost (fail)20 dwellings × 100 m² → 0.0% margin on cost (fail)
Meets 18.0% targetWithin 15% of targetBelow targetYour current scaleSmallest passing
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① Cost overrides — override any rate-library cell

Pro Mode — override anything (optional)

Pin a cell to a value you've quoted, modelled, or know from experience. Leave every cell blank to use the Quick number unchanged — this whole panel is optional. Quick and Pro share one engine, so any override you do set flows through to every headline metric, scenario, sensitivity, and cash flow row above.

Underlying rates

RateQuick (library)Your overrideActive value
Construction rate (AUD/m²)$4,485/m²$4,485/m²
Interest rate (decimal, e.g. 0.085)9.5%9.5%
Loan-to-cost ratio (decimal, e.g. 0.65)65%65%

Cost buckets

BucketQuick (derived)Your overrideActive value
Acquisition (land, stamp duty, legals)$3,372,512$3,372,512
Planning & design$106,585$106,585
Construction$1,309,755$1,309,755
Professional fees$39,293$39,293
Finance$379,657$379,657
Holding$84,700$84,700
Marketing & selling$83,100$83,100
Contingency$153,873$153,873
Taxes & duties$0$0
Total development cost (reconciled)$5,529,475$5,529,475

Overridden cells flip their trust badge to Overridden · High confidence and replace the rate-library lookup. Click any number on the dashboard above to see the full trace, including which fields are now user-pinned.

② Construction BoQ — trade-by-trade drill-down

Construction BoQ — trade-level drill-down (optional)

The Quick construction number (rate × GFA) seeded across 9 trade categories so you can drill in. Leave every cell untouched to use the Quick number unchanged — this panel only activates when you edit a qty, rate, or label. Once touched, the BoQ total replaces the Quick construction figure in the override layer above.

Seed (Quick)
$1,309,755
BoQ total
$1,309,755
Δ vs seed
+$0
Untouched seed — the Quick construction number is still in effect. Edit any cell below to activate the BoQ as a construction-cost override.
Construction total$1,309,755
③ Assemblies catalogue — bathrooms, kitchens, slabs

Takeoff & assemblies — bottom-up line items (optional)

Pick an assembly (bathroom, kitchen, slab, roof…), set how many driver units (e.g. 8 bathrooms = 4 dwellings × 2), and pop it into the construction BoQ as editable line items. Each line carries qty × rate × waste, with MOQ where it applies.
Skip this panel entirely if you don't want to specify beds, baths, slabs, etc. Nothing here is required — the Quick construction number stays in effect until you actually click Apply and Pop into BoQ.

Catalogue

Standard bathroom
~5 m² bathroom: waterproofing, tiling, vanity, tapware, drain, door, exhaust.
Trade: Fitout (kitchen, bathroom, joinery)Driver: bathroom8 sub-items
per bathroom
$10,360
Premium ensuite
~7 m² ensuite with double vanity, freestanding shower, premium tile + tapware.
Trade: Fitout (kitchen, bathroom, joinery)Driver: ensuite8 sub-items
per ensuite
$20,803
Standard kitchen
Mid-range kitchen: stone benches, joinery, appliances, splashback, tapware.
Trade: Fitout (kitchen, bathroom, joinery)Driver: kitchen7 sub-items
per kitchen
$19,724
Premium kitchen
Premium joinery, integrated appliances, butler's pantry, stone island.
Trade: Fitout (kitchen, bathroom, joinery)Driver: kitchen7 sub-items
per kitchen
$49,857
Suspended concrete slab
Reinforced suspended slab — formwork, reo, concrete, finishing.
Trade: SubstructureDriver: 4 sub-items
per
$3,462
Colorbond roof
Pitched Colorbond sheet roof with sarking, battens, gutters & downpipes.
Trade: External envelopeDriver: m² of roof4 sub-items
per m² of roof
$169
Basement carpark bay
Per-bay all-in: slab share, ventilation, lighting, paint, line-marking.
Trade: SubstructureDriver: bay4 sub-items
per bay
$14,108
Concrete driveway
Reinforced concrete driveway with sub-base prep and finish.
Trade: External works & landscapingDriver: 3 sub-items
per
$5,012

Applied (0)

No assemblies applied yet. Pick one from the catalogue, set the driver qty, and click Apply.

Pop into BoQ imports the assembly's line items into the construction breakdown as concrete editable rows. Once imported, they're normal BoQ lines — re-applying the same assembly later appends new lines, it doesn't update old ones.

Export & share

Download a branded PDF summary, export the cost & cash flow tables as CSV, or copy a share link that re-opens this exact feasibility for someone else (lender, partner, accountant). Everything stays client-side — nothing is uploaded.

PDF includes verdict, headline stats, cost breakdown, insights, and key derived assumptions. Share link encodes the project state — anyone who opens it sees the same numbers.

Indicative feasibility only. Not financial, legal, tax, or planning advice. Verify all assumptions with your professional advisers before relying on any number here.

Bushfire attack level (BAL) — the hidden cost driver

Large portions of the Northern Beaches — especially elevated lots near bushland reserves at Beacon Hill, Forestville, Allambie Heights, Bilgola Plateau, and Avalon — are mapped under NSW bushfire planning controls. Lots are assigned a BAL rating (BAL-12.5, 19, 29, 40, or Flame Zone) which dictates construction standards under AS 3959. BAL-29 adds roughly 4–8% to the build cost. BAL-40 and Flame Zone (FZ) can add 10–25% — bushfire shutters, non-combustible cladding, ember-proof seals, sprinkler systems, and reinforced glazing all stack. Get the BAL assessment done before you finalise the design budget, not after.

Coastal salt-air, sand sites, and material durability

Coastal Northern Beaches sites — anywhere within ~2km of the ocean — need marine-grade specification for fixings (Grade 316 stainless minimum), powder-coated aluminium with marine warranty, careful detailing of weatherings and overhangs, and durable timber selection or substitution. Sand-based ground conditions at the coastal foredune lots (parts of Curl Curl, Dee Why, Long Reef, Collaroy) require deeper foundations and sometimes piled solutions. A roof and façade specified for inland Sydney will visibly fail within 5–10 years on a Curl Curl or Freshwater oceanfront — the cost saving at build time is borrowed against rebuild later.

Northern Beaches Council — tree, stormwater, and DCP controls

Northern Beaches Council operates a single LEP and DCP across the former Manly, Warringah and Pittwater council areas (each with regional variation). Significant trees are protected and removal requires application, arborist report, and often replacement planting. Stormwater controls are strict on coastal and steep sites — Council frequently requires on-site detention (OSD) tanks, infiltration trenches, or in some cases a hydrology report. DA assessment timelines run 4–9 months for typical residential scopes; CDC pathways exist for some Class 1a single-dwelling work meeting setbacks, FSR, and height controls.

Sloped sites and view-driven design premiums

Many Northern Beaches premium lots — Bilgola Plateau, Whale Beach escarpment, Newport, Avalon, Clontarf, Manly Heights — slope toward views. Sloped-site cost premiums in the calculator below reflect engineered retaining, piers or piles, suspended slabs over retaining structures, and the carry-down of services. View-driven design also tends to specify large glazing spans, structural steel, and cantilevered terraces — all of which raise per-m² cost meaningfully above an equivalent flat-site build.

Frequently asked questions

How much does it cost to build a house on the Northern Beaches?

Northern Beaches build rates in 2025–26 run $4,500–$8,500 per m² depending on suburb tier, BAL rating, slope, and coastal exposure. Family-market suburbs (Beacon Hill, Forestville, Allambie) tend to fall in the lower end of that range; coastal premium suburbs (Freshwater, Curl Curl, Whale Beach, Avalon) and heritage areas (Manly, Balgowlah) tend to fall in the upper end.

How does BAL affect my Northern Beaches build cost?

Bushfire Attack Level adds construction requirements under AS 3959. BAL-12.5 and 19 add modest cost (≤2%). BAL-29 adds 4–8%. BAL-40 and Flame Zone can add 10–25% with shutters, non-combustible cladding, ember-proof seals, and reinforced glazing. Confirm the BAL with a qualified bushfire consultant before committing to a design or budget.

What is on-site detention (OSD) and do I need it?

OSD is a stormwater management requirement where rainwater from your site is captured in a tank or basin and released slowly to the public stormwater system, to prevent downstream flooding. Northern Beaches Council requires OSD on many residential redevelopments, especially in catchments with known flooding. Add $15–35k to the cost stack if OSD applies.

Does Varloch build on the Northern Beaches?

Yes. The Northern Beaches is part of Varloch's core service area and we have completed multiple projects across Bilgola Plateau, Manly, Whale Beach, and elsewhere. See /projects for recent work. Tanking, coastal detailing, and BAL-rated construction are within our standing capability.

How long does Northern Beaches Council take to assess a DA?

Typical residential DA assessment timelines run 4–9 months for standard scope, longer for heritage, BAL-40+, contested view sharing, or stormwater-sensitive sites. CDC pathways can reduce that to 4–6 weeks for compliant Class 1a single-dwelling work.

Disclaimer

PropDEV is a feasibility-modelling tool by Varloch Studio. The numbers it produces are indicative estimates based on user-entered inputs and assumed rates from a rate library that is updated periodically. PropDEV does not provide financial, legal, tax, planning, valuation, or construction advice, and its output should not be used as a substitute for professional advice from a qualified accountant, lawyer, town planner, quantity surveyor, valuer, lender, or builder. Stamp duty, council contributions, GST treatment, finance terms, and construction rates change frequently and vary by location, lender, council, and project — every figure in a report must be verified independently before any acquisition, finance, or planning decision is made. Use at your own risk.

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