Kim Sagoa and her family love everything about Sydney's northern beaches except the price of property.

After almost two decades of renting, she has made peace with the fact she'll never be able to afford a home where she wants to live.

"We love living in this area but we can't buy here," she said

"Every now and again I worry and think we should just buckle down and save for a deposit but then I look at the crazy property prices and wonder whether it's worth the stress. We've just resigned ourselves to the fact it won't happen for us."