Market update JANUARY - MARCH 2026 Courtesy of Coco Cui Roskam Ray White Upper North Shore
As we move through April 2026, the Upper North Shore property market is transitioning into a more strategic and segmented environment, shaped largely by economic conditions rather than any change in underlying demand. Over the past 12 months, we’ve seen a moderate adjustment in pricing, with many homes now trading approximately 4–8% below peak levels. This shift is consistent with broader Sydney trends, where higher interest rates have reduced borrowing capacity by an estimated 10–15% for many buyers, directly influencing how they participate in the market. Importantly, this is not a demand issue. The fundamentals of the Upper North Shore remain exceptionally strong, supported by leading schools, transport infrastructure and long-term owner-occupier appeal. We are now seeing demand concentrate at specific price points. Research shows that lower and mid-priced segments are currently outperforming premium markets, with more affordable homes experiencing stronger competition due to constrained borrowing capacity. This is creating a clear divide across the Upper North Shore. Homes that are well-located, well-presented and priced in line with current expectations continue to generate strong engagement, often attracting multiple buyers early in a campaign. In contrast, properties positioned above market expectations or requiring significant improvement are taking longer to transact. Inflationary pressures and rising global energy costs are increasing the likelihood of interest rates remaining higher for longer, which will continue to shape buyer confidence and borrowing power throughout 2026. We are expecting a gradual increase in stock levels as some households and investors respond to higher holding costs. More supply will create greater choice for buyers and reinforce the importance of strategy for sellers. Last quarter I continued to deliver premium outcomes for homeowners across the Upper North Shore through strategic marketing, tireless negotiation, and an unmatched local network. My highlights included: Properties Sold: 9 Total Sales Volume: $33,913,000 New Benchmarks: One street record broken In a changing market, the difference between a “sold” sticker and a record-breaking result comes down to experience. With nearly $34 million in property exchanged this quarter alone, I ensure that every home is positioned to attract the right buyers and the highest possible price. When properties are aligned with conditions and launched with a clear strategy, buyers remain ready to act decisively. Understanding where your property sits within this more selective landscape is key to achieving a premium outcome. If you’re considering a move this year, a tailored approach to pricing, presentation and timing will make all the difference. Coco Cui Roskam 0422 683 409 coco.roskam@raywhite.com A MORE STRATEGIC MARKET EMERGING
FAST FACTS Source: Pricefinder 2026 1. NUMBER OF SALES HOUSES Q3 FY26 Q3 FY25 ST IVES 39 49 ST IVES CHASE 8 6 3. AVERAGE SALE PRICE HOUSES Q3 FY26 Q3 FY25 ST IVES $3,214,718 $3,622,222 ST IVES CHASE $2,808,125 $3,044,167 4. HIGHEST SALE PRICE HOUSES Q3 FY26 Q3 FY25 ST IVES $6,318,888 $6,680,000 ST IVES CHASE $4,050,000 $3,560,000 HOUSES Q3 FY26 Q3 FY25 ST IVES $3,060,000 $3,252,000 ST IVES CHASE $2,660,000 $3,050,000 2. MEDIAN SALE PRICE
HIGHLIGHT SALES BY COCO CUI ROSKAM 5 Mawson Street, St Ives 20 Kenthurst Road, St Ives 93 Warrimoo Avenue, St Ives Chase 27 Willis Avenue, St Ives 11 Willis Avenue, St Ives 4 Massey Place, St Ives Chase 42 Toolang Road, St Ives 55 Stanley Street, St Ives 4 2 2 6 4 2 4 3 2 5 2.5 2 5 3.5 4 5 5 2 4 1.5 2 5 4 2
WHY MORE OWNERS TRUST RAY WHITE UPPER NORTH SHORE Sales Volume Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 0 200 400 600 800 1000 Sales Value Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 $0 $500,000,000 $1,000,000,000 $1,500,000,000 $2,000,000,000 $2,500,000,000 WHY MORE OWNERS TRUST RAY WHITE UPPER NORTH SHORE Source: CoreLogic Market Scorecard 1/1/25-31/12/25 Our team continues to lead from the front, combining local knowledge, premium marketing and deep buyer networks to achieve outstanding outcomes across all price points. No one connects more buyers with homes than Ray White. With over 1,000 offices and a powerful national and international presence, we bring the full strength of our network and our entire team to every campaign, ensuring your property reaches the most qualified buyers across Australia and beyond. 140+ team members working for your sale 10 offices with connected databases on the Upper North Shore & Northern Beaches >$1B more in sales than our nearest competitor Sales Volume Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 0 200 400 600 800 1000 Sales Value Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 $0 $500,000,000 $1,000,000,000 $1,500,000,000 $2,000,000,000 $2,500,000,000 WHY MORE OWNERS TRUST RAY WHITE UPPER NORTH SHORE Source: CoreLogic Market Scorecard 1/1/25-31/12/25 Our team continues to lead from the front, combining local knowledge, premium marketing and deep buyer networks to achieve outstanding outcomes across all price points. No one connects more buyers with homes than Ray White. With over 1,000 offices and a powerful national and international presence, we bring the full strength of our network and our entire team to every campaign, ensuring your property reaches the most qualified buyers across Australia and beyond. 140+ team members working for your sale 10 offices with connected databases on the Upper North Shore & Northern Beaches >$1B more in sales than our nearest competitor Sales Volume Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 0 200 400 600 800 1000 Sales Value Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 $0 $500,000,000 $1,000,000,000 $1,500,000,000 $2,000,000,000 $2,500,000,000 WHY MORE OWNERS TRUST RAY WHITE UPPER NORTH SHORE Source: CoreLogic Market Scorecard 1/1/25-31/12/25 Our team continues to lead from the front, combining local knowledge, premium marketing and deep buyer networks to achieve outstanding outcomes across all price points. No one connects more buyers with homes than Ray White. With over 1,000 offices and a powerful national and international presence, we bring the full strength of our network and our entire team to every campaign, ensuring your property reaches the most qualified buyers across Australia and beyond. 140+ team members working for your sale 10 offices with connected databases on the Upper North Shore & Northern Beaches >$1B more in sales than our nearest competitor Sales Volume Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 0 200 400 600 800 1000 Sales Value Ray White Competitor 1 Competitor 2 Competitor 3 Competitor 4 $0 $500,000,000 $1,000,000,000 $1,500,000,000 $2,000,000,000 $2,500,000,000 WHY MORE OWNERS TRUST RAY WHITE UPPER NORTH SHORE Source: CoreLogic Market Scorecard 1/1/25-31/12/25 Our team continues to lead from the front, combining local knowledge, premium marketing and deep buyer networks to achieve outstanding outcomes across all price points. No one connects more buyers with homes than Ray White. With over 1,000 offices and a powerful national and international presence, we bring the full strength of our network and our entire team to every campaign, ensuring your property reaches the most qualified buyers across Australia and beyond. 140+ team members working for your sale 10 offices with connected databases on the Upper North Shore & Northern Beaches >$1B more in sales than our nearest competitor
A WORD FROM MY CLIENTS Best possible result “We recently sold our long-standing family home with the help of Coco, and the experience exceeded all expectations. Throughout the process, her regular and honest communication ensured we always felt informed and supported. Coco offered expert advice at every turn, consistently striving for the best possible result. Both Coco and Edward approached the sale with vigour. We are truly grateful and would highly recommend them to anyone considering selling.” VENDOR - ST IVES Smooth, organised & transparent process “I recently sold my home with the help of Coco and was very impressed by her professionalism and dedication. Throughout the entire campaign, she remained fully committed, stayed in touch with me every day, and promptly shared buyer feedback and inspection results so I always felt informed. The whole process was smooth, well organised and transparent, which gave me a lot of confidence and peace of mind. I am truly grateful for her hard work and would be very happy to recommend Coco.” VENDOR - ST IVES Exceptional database, relentless execution Coco’s unique appeal is her unparalleled buyer reach. She worked relentlessly to introduce qualified buyers early, including generating pre-market interest and offers, creating early momentum and real competitive tension. Her market access and negotiation capability made a tangible difference, and we always felt she was in control of the process from start to finish. She extracted honest, useful feedback from real buyers and used it to guide the strategy throughout the campaign. In a market where guessing can be expensive, her ability to validate buyer sentiment and keep buyers actively engaged was invaluable. VENDOR - ST IVES CHASE Coco Cui Roskam 0422 683 409 coco.roskam@raywhite.com Roseville 39 Hill Street Wahroonga 18 Railway Avenue St Ives 237 Mona Vale Road Hornsby 45-47 Hunter Street Pennant Hills 1 Hillcrest Road Ray White Upper North Shore Head Office: 2 Turramurra Avenue, Turramurra raywhiteuppernorthshore.com.au
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