Franchise opportunities in Pennant Hills - Cheltenham, NSW
Geography: this report covers the Pennant Hills - Cheltenham area (ABS SA2). Demographics from the ABS Census 2021.
How this opportunity score works
The score is a weighted 0–100 research signal, not a site-selection decision. It combines, per category:
- Demand (category fit for the population) — 30%
- Competition gap (trade-area model, more room scores higher) — 25%
- Demographic fit (income vs the category) — 20%
- 5-year population growth (percentile) — 15%
- Franchise availability (systems recruiting here) — 10%
Inputs: ABS Census 2021 (population, income, growth) and a trade-area competition model using OpenStreetMap / ABS business data where available. It doesn’t model rent, site specifics or local trading conditions, treat it as a starting point for research, then confirm on the ground and with the franchisor. See our methodology.
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For sale & open territories in Pennant Hills - Cheltenham
263 franchise systems are recruiting new territories that cover Pennant Hills - Cheltenham:
Amcal Pharmacy
Australian Skin Clinics
ABS Auto
Battery World
Belle Property
Century 21 Australia
Pennant Hills - Cheltenham on the map
Where Pennant Hills - Cheltenham sits and the real local businesses around its centre, the operators a new franchise would compete with. Tap a pin for the business name and type.
Loading nearby operators in Pennant Hills - Cheltenham…
Top 3 recommended franchise categories
1. Health & Medical
802. Automotive
793. Real Estate
79What it costs to start in Pennant Hills - Cheltenham
Franchise fees don’t change by suburb, but the categories that fit Pennant Hills - Cheltenham best sit in these all-in investment ranges (Q2 2026 Fee Index, national medians).
| Category | Total investment | Initial fee | Royalty | Pennant Hills - Cheltenham fit |
|---|---|---|---|---|
| Health & Medical | $180K–$650K | $48,000 | 6.0% | 80 |
| Automotive | $120K–$500K | $45,000 | 7.5% | 79 |
| Real Estate | $80K–$300K | $35,000 | 8.0% | 79 |
| Quick-Service Food | $350K–$900K | $50,000 | 7.0% | 78 |
| Food & Beverage | $250K–$750K | $50,000 | 7.0% | 76 |
| Coffee & Café | $118K–$450K | $45,000 | 6.5% | 75 |
Fees: Q2 2026 Fee Index. The fit score blendsPennant Hills - Cheltenham’s demand, competition, demographics and growth, see methodology.
Pennant Hills - Cheltenham snapshot
| Metric | Pennant Hills - Cheltenham | State avg | Difference |
|---|---|---|---|
| Population | 21,819 | 20,009 | +9% |
| Median household income | $144,800 | $100,267 | +44% |
| 5-year population growth | 3.0% | 13.0% | -10.0 pts |
Community & demographics
Who lives in Pennant Hills - Cheltenham, and what it means for a franchise. Every figure below is a real ABS Census 2021 median for this area, not an estimate.
| Measure | Pennant Hills - Cheltenham | What it signals for franchising |
|---|---|---|
| Median age | 43 years | Broad working-age and family customer base |
| Average household size | 2.9 people | Family-heavy, favours food, education and household services |
| Median household income | $2,784/wk | Overall spending power of the local market |
| Median family income | $3,187/wk | Discretionary spend of family households |
| Median personal income | $1,045/wk | Individual earnings, a labour-cost and spend signal |
| Median rent | $530/wk | Cost of living and a proxy for commercial rents |
| Median mortgage | $3,000/mo | Homeowner cost base in the area |
| People per bedroom | 0.8 | More space per resident, established housing |
Source: ABS Census 2021 (G02/G35/G36/G37/G46) + ERP 2016→2021 · SA2 Pennant Hills - Cheltenham (126011496). Incomes are median weekly (household income is also shown annualised in the headline stats).
Housing, tenure & households
How Pennant Hills - Cheltenham lives, works and is housed, and what each signal means for siting a franchise here. All figures are real ABS Census 2021 counts for this area.
| Measure | Pennant Hills - Cheltenham | What it signals for franchising |
|---|---|---|
| Renting | 19.2% | Owner-heavy, settled households with steadier local spend |
| Owned with a mortgage | 37.8% | Working homeowners, family services and home categories |
| Owned outright | 40.3% | Older, established, lower-debt households |
| Separate houses | 79.8% | Suburban, car-based, drive-to trade area |
| Flats & apartments | 11.2% | Low density, destination retail and services |
| Family households | 81.8% | Family-led demand, education, food and household services |
| Lone-person households | 16.7% | Fewer single-person homes |
| Unemployment rate | 4.4% | Around the national average |
Source: ABS Census 2021, Pennant Hills - Cheltenham, tenure (G37), dwelling structure (G36), household composition (G35) and labour force (G46).
Survival & viability analysis
Health & Medical viability: High
The health & medical opportunity in Pennant Hills - Cheltenham scores 80 out of 100. With a population of 21,819, there is a solid customer base, enough to sustain about 1 health & medical outlet. At about 1 existing health & medical operator, competition sits below typical metro density, an opening for a well-run entrant. Median household income ($144,800) runs above the state average ($100,267), supporting discretionary spend.
Nearby competition by category
| Category | Est. operators | Competition | Status |
|---|---|---|---|
| Health & Medical | 1 | Low | Gap |
| Automotive | 1 | Low | Gap |
| Real Estate | 1 | Low | Gap |
| Food & Beverage | 2 | Low | Gap |
| Education & Tutoring | 1 | Low | Gap |
| Coffee & Café | 3 | Low | Gap |
Operator counts are a trade-area model derived from ABS population, not a live business census. Richer POI data (OpenStreetMap / Google Places) is ingested per methodology.
How Pennant Hills - Cheltenham compares to nearby areas
| Location | Population | Median income | 5-yr growth | Top category | Score |
|---|---|---|---|---|---|
| Pennant Hills - Cheltenham | 21,819 | $144,800 | 3.0% | Health & Medical | 80 |
| Baulkham Hills (West) - Bella Vista | 21,801 | $148,000 | 4.5% | Health & Medical | 82 |
| Mascot | 21,843 | $117,200 | 41.5% | Health & Medical | 85 |
| St Ives | 21,780 | $154,200 | 2.8% | Health & Medical | 81 |
| Wentworthville - Westmead | 21,769 | $113,200 | 34.5% | Health & Medical | 84 |
| Lethbridge Park - Tregear | 21,873 | $73,400 | 2.8% | Health & Medical | 66 |
| Nelson Bay Peninsula | 21,921 | $65,900 | 1.4% | Automotive | 62 |
Keep exploring Pennant Hills - Cheltenham & New South Wales
By category in Pennant Hills - Cheltenham
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Frequently asked questions
What franchise is best for Pennant Hills - Cheltenham?
Based on population, income, growth and competition data, Health & Medical scores highest for Pennant Hills - Cheltenham at 80/100, competition sits below typical metro density. The next best are Automotive and Real Estate.
How much does a franchise cost in Pennant Hills - Cheltenham?
Fees don't vary by suburb, Health & Medical franchises run $180,000–$650,000 all-in nationally (Q2 2026 Fee Index, n=47). See the Fee Index for the full breakdown.
Is Pennant Hills - Cheltenham good for a coffee franchise?
It's promising: a coffee & café franchise scores 75/100 in Pennant Hills - Cheltenham, with about 3 existing operators in the trade area (Strong suitability).
Demographics: ABS Census 2021 & Regional Population. Category scores combine ABS demographics with a trade-area competition model and live franchise availability, see methodology. Fees: Q2 2026 Fee Index.
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