NDIS property investment can bring great rewards, both financially and socially. But, as with any investment, location matters. Choosing the right state can have a major impact on your returns and how successful your investment will be. From rental yields to government incentives, each state offers unique opportunities for investors.
In this guide, AxJ Finance Brokers will explore NDIS property investment opportunities across different states—what makes each state stand out, how to maximise returns, and where demand for Specialist Disability Accommodation (SDA) is highest. By the end, you’ll have a clearer understanding of which state aligns with your goals, and how our Melbourne mortgage brokers can guide you through every step of the investment process.
Why State Matters in NDIS Property Investment
Where your NDIS property is located really matters for how well your investment will do. Every state in Australia has different market conditions, government incentives, and tenant demand for Specialist Disability Accommodation (SDA). What works in one area might not bring the same results in another.
For instance, you might be attracted to a state with high demand for NDIS housing, but it’s important to also consider local infrastructure, support services, and overall accessibility for tenants. The right state can mean higher rental yields, longer tenant stays, and lower vacancy rates.
You’re probably asking yourself, “Which state is the best for my NDIS property investment?” Let’s break down the key advantages and challenges in each state, so you can make an informed decision.
NDIS Housing Investment in Queensland (QLD)
Why Invest in Queensland?
Queensland has become a hotspot for NDIS property investment, thanks to its rapidly growing population and a high number of NDIS participants. With many people relocating to QLD for its relaxed lifestyle and affordability, there’s an increasing need for accessible housing, particularly for individuals with disabilities who require homes near healthcare, support services, and community networks.
In addition, Queensland’s focus on building inclusive communities has made it a leader in developing NDIS housing solutions that prioritise accessibility and quality of life. This has positioned QLD as one of the most promising states for SDA property investment.
Rental Yields and Demand in QLD
Queensland stands out for offering strong rental yields in the NDIS market, driven by consistently high demand for SDA properties. With ongoing support from both federal and state governments, including grants and incentives to encourage accessible housing development, investors are well-positioned to see competitive returns on their investments.
In places like Gold Coast and Brisbane, rental yields for SDA properties have been particularly strong, often outperforming traditional rentals. The high demand means these properties remain occupied longer, offering investors a reliable income stream.
For example, in Brisbane, the surge in demand for NDIS-compliant homes has led to long-term leases, often lasting 5 years or more. Investors in these areas are seeing rental returns that surpass standard residential properties by a large margin, with some reporting yields of up to 10%. This makes Queensland a prime choice for those seeking steady, long-term returns.
Ready to take advantage of the growing NDIS market in Queensland? Reach out to our team today to explore your options.
NDIS Housing Investment in New South Wales (NSW)
Market Trends in NSW
New South Wales, especially Sydney, is one of Australia’s most competitive property markets. With its dense population, there’s significant demand for Specialist Disability Accommodation (SDA) homes, as many residents rely on NDIS services.
However, the high property prices in Sydney pose a challenge for investors. Buying property in urban areas of NSW requires a larger initial investment than in other states. Still, the strong demand for well-placed, NDIS-compliant housing often rewards investors who are willing to make that upfront investment with substantial long-term returns.
Additionally, regions beyond the city—like Western Sydney and regional areas—are seeing growing demand for SDA properties, where entry costs are more manageable while still offering strong investment potential.
Rental Yields and Government Support
Despite the higher initial investment in NSW, NDIS property investment can still deliver excellent returns due to government-backed rental payments and high tenant demand. These payments ensure a more reliable income stream, giving investors confidence in long-term financial returns.
The NSW government also offers various grants and subsidies aimed at encouraging the construction or modification of SDA properties. These programs help reduce some of the higher initial costs, and as demand grows in well-located areas, investors can also enjoy significant rental yield growth.
For example, investors in Western Sydney have experienced solid rental yields due to the rising demand for NDIS accommodation. In areas like Penrith and Blacktown, rental yields for SDA properties can reach up to 8-10%, and property values have seen consistent growth over recent years. While the initial investment may be higher, these returns make it a highly lucrative market for those who can handle the upfront costs.
NDIS Housing Investment in Victoria (VIC)
Property Growth in VIC
Victoria stands out as one of the top states for NDIS property investment, particularly in cities like Melbourne. With a fast-growing population and strong government efforts to create more accessible housing, the need for SDA properties keeps increasing. The Victorian government has launched several programs to increase the number of NDIS-compliant homes, further boosting investment opportunities.
Beyond Melbourne’s urban core, outer suburbs and regional areas are seeing increasing interest from investors. These areas offer lower entry prices while still benefiting from Victoria’s overall growth in property demand. As a result, SDA properties in these locations are poised for significant capital growth over the coming years, making VIC a smart choice for those looking to enter or expand in the NDIS property market.
Financial Benefits of Investing in VIC
Victoria’s accessible housing sector is experiencing a steady rise in property values and rental yields, which is great news for NDIS investors. While property prices in parts of Melbourne can be higher than in other states, the consistent demand for SDA properties ensures solid rental income and long-term appreciation.
Investors in VIC can also take advantage of government financial incentives aimed at encouraging the development of NDIS-compliant homes. These incentives help offset higher property prices, making it more financially viable to invest in SDA properties. Additionally, properties in Melbourne’s outer suburbs are usually cheaper than those in the city centre, giving investors better rental returns and growth potential.
For example, in Melbourne’s outer suburbs—areas like Werribee and Sunshine—there has been a sharp increase in demand for NDIS-compliant homes. Investors who entered the market early are seeing rental yields of up to 8-10%, along with capital growth as property values steadily increase. These suburbs are attracting tenants looking for long-term, accessible housing, and the lower property prices compared to inner Melbourne offer better affordability for investors while still delivering strong returns.
NDIS Housing Investment in South Australia (SA)
Why Consider South Australia?
South Australia, particularly Adelaide, is gaining attention as an emerging market for NDIS property investment. One of the main draws for investors is the lower property prices compared to states like NSW and VIC, which makes SA an attractive and affordable entry point into the NDIS market.
With Adelaide’s steady population growth and an increasing focus on creating accessible housing, the demand for SDA properties is on the rise. Investors can enter this growing market with a lower initial investment, while still benefiting from government-backed rental income and strong demand from NDIS participants seeking long-term housing solutions.
Local Market Insights and Case Studies
In Adelaide and nearby suburbs, investors are enjoying strong rental returns from SDA properties due to the increasing demand for housing that suits the needs of NDIS participants. While property prices in Adelaide remain more affordable compared to other capitals, demand for NDIS-compliant housing has surged, allowing investors to secure long-term tenants and stable rental income.
Recent case studies show that investors are seeing great results. Many report finding long-term tenants quickly after getting SDA certification, leading to shorter vacancy periods and dependable income from government-backed rents.
For example, investors in Adelaide’s outer suburbs—like Salisbury and Mawson Lakes—are experiencing high occupancy rates and solid rental returns. With SDA properties in these areas offering rental yields of 7-9%, and long-term tenant agreements being common, the combination of affordability and reliable income makes South Australia an appealing option for investors looking for strong returns with a lower upfront cost.
Comparing NDIS Investments Across States
Not sure which state to invest in? Here’s a quick breakdown of the key strengths and what each state is ideal for:
Queensland (QLD)
✅ Affordable Entry
✅ Strong Demand for SDA
✅ Consistent Rental Yields
Best for: Investors seeking steady returns with lower upfront costs.
Key Areas: Brisbane, Gold Coast
New South Wales (NSW)
✅ High Growth Potential
✅ Strong Rental Yields
✅ Government Support
Best for: Investors with bigger budgets seeking high returns and capital growth.
Key Areas: Sydney, Western Sydney (Penrith, Blacktown)
Victoria (VIC)
✅ Capital Growth
✅ Solid Rental Yields
✅ Expanding SDA Market
Best for: Investors looking for a balance of rental income and long-term growth.
Key Areas: Melbourne, Outer Suburbs (Werribee, Sunshine)
South Australia (SA)
✅ Budget-Friendly Investment
✅ Growing Demand
✅ Reliable Rental Yields
Best for: Investors wanting affordable entry points with reliable returns.
Key Areas: Adelaide, Outer Suburbs (Salisbury, Mawson Lakes)
Need help deciding? Contact us today, and we’ll guide you to the right state for your NDIS property investment strategy!
Conclusion: How to Choose the Best State for Your NDIS Property Investment
Choosing where to invest in NDIS properties comes down to your budget, how much risk you’re comfortable with, and your long-term goals. If you’re looking for affordable entry points, Queensland and South Australia offer excellent opportunities with steady returns. For those seeking capital growth and higher rental yields, New South Wales and Victoria provide strong markets, particularly in urban and suburban areas.
Ultimately, each state has something unique to offer. If you’re ready to check out your options, get in touch with us today! AxJ Finance Brokers will help you navigate the NDIS housing market and find the right state that matches your investment strategy.
FAQs for NDIS Property Investment by State
To make the best choice, think about your budget, local property prices, and the demand for NDIS properties in each state. States like Queensland and South Australia have more affordable options, while New South Wales and Victoria usually offer higher returns but require a bigger upfront investment. It's important to look at how much demand there is for SDA housing, what government incentives are available, and what the market trends are in each area.
Yes, you can. However, making a property meet SDA standards involves specific changes, like adding wider doorways, ramps, and accessible bathrooms. How much these upgrades cost and how hard they are to complete will depend on local building expenses and rules, which differ across states.
Each state offers a range of financial incentives and grants for NDIS property investments. These can include government-backed rental payments, tax benefits, and financial help for modifying or building SDA-compliant properties. The specific incentives vary by state, but they can significantly improve your investment's profitability.
Managing an NDIS property involves ensuring ongoing compliance with SDA standards, finding and managing tenants, and maintaining the property. Many investors choose to work with NDIS-accredited property managers who specialise in handling these unique requirements and ensuring the property remains fully compliant and profitable.
Rental yields vary by state and location. In states like Queensland and South Australia, yields can range from 7-10%, especially in high-demand areas. In New South Wales and Victoria, rental yields may be higher, but upfront property costs are also greater. Rental yields are often supported by government payments, making your income more secure and steady compared to regular rentals.