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Ranking · VIC · 50 suburbs

Least Affordable Suburbs (Mortgage) — VIC

Top 50 suburbs by share of median household income needed to service a new mortgage in VIC.

Leading suburb
ToorakVIC
Leading value
271%
Runner-up
DeepdeneVIC
Updated
12 July 2026
Ranking

Least Affordable Suburbs (Mortgage)

Top 50 suburbs by share of median household income needed to service a new mortgage — VIC

50 results
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How to read this ranking
Use least affordable suburbs (mortgage) to find cheaper entry points before checking whether they are actually usable.
BEST FOR
Finding lower-cost suburbs quickly.

This list is useful when price is the first constraint and you want a fast screen in VIC.

READ IT AS
Cheap does not automatically mean attractive.

Low prices can reflect weaker demand, thin markets, low incomes, remote location, or missing amenity coverage. Treat this as a first filter only.

NEXT STEP
Check rents, incomes, and basics before shortlisting.

Open the suburb pages or compare tool next so you can see whether a cheap suburb is simply low priced or genuinely competitive.

AVAILABLE evidence
Direct market-data ranking

This list is strongest as a market screen. Use suburb detail to verify rent, services, population, and local context.

CHEAP ENTRY
Top candidates are affordability-first ideas.

Use compare to separate genuinely usable cheap suburbs from places that are cheap because evidence or services are weak.

Shortlist flow
Use #1 Toorak and #2 Deepdene as the first compare pair.

Rankings are strongest when they hand you a shortlist quickly. Compare the top two first, then open suburb detail if the head-to-head result still feels narrow.

Compare top 2Open #1 detailOpen #2 detail
Distribution
50 suburbs · midpoint ≈ 112%
Leader: Toorak · 271%
FAQ

Australian least affordable suburbs (mortgage) FAQ

  1. What does Least Affordable Suburbs (Mortgage) rank?

    Least Affordable Suburbs (Mortgage) ranks suburbs in VIC using QuickProperty's processed property and locality datasets. Top 50 suburbs by share of median household income needed to service a new mortgage

  2. How should I use this ranking for property research?

    Use the ranking as a screening step for VIC. Save realistic suburbs to your shortlist, compare the strongest two or three, then use suburb detail pages or the calculator to test the final candidate.

  3. Does the top ranked suburb mean it is the best choice?

    No. Rankings are a shortlist input, not a final recommendation. Check price history, rent, income, population, local services, source freshness, and current listings before making a decision.

  4. How current is the ranking data?

    QuickProperty uses processed public-source datasets and refreshes automated sources where available. Use the suburb detail page source panels to see which signals are current, estimated, or missing for a specific suburb.