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Suburb profile ·Mornington Peninsula LGA · VIC ·3929

Flinders VIC 3929

Flinders is in Mornington Peninsula LGA, VIC, postcode 3929, with population 1,130.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$580/wk
Rising
+5.5% YoY
Dec 2020 → Sep 2025 · 20 periods
Homes Victoria · Sep 2025
$580
$420
Dec 2020Sep 2025
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case.

Median house
$2.5M
House median, latest period
10.7%YoY D10 vs AU
Median rent
$580/wk
Income-stretched rent market
5.5%YoY D10 vs AU
Gross yield
1.2%
Low yield band
D2 vs AU
Population
1,130
1K local footprint
D8 vs AU
Schools
No matched school data
Solar
438
20 added 12mo · 4MW

Price history

Rental vacancy rate

Rental vacancy rate · Greater Melbourne
2.5%
Balanced market

Official vacancy is published at the Greater Melbourne level, not per suburb. Shaded band marks a balanced market (2.5–3.5%).

Source: Homes Victoria Rental Report (DFFH) · Latest: Sep 2025

Trend & investor depth

Indicative cashflow-$1,950/wk (-$101,380/yr) · interest-only @ 6.2%, 80% LVR
Investor exposure53/100 — moderate (12% privately rented · 63.7 STR/1k)
Rent stabilitytypical — rents vary ±7.4% around trend
Value vs advantage+88% vs suburbs of similar SEIFA advantage (decile 10)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size). Investor exposure blends private-rental share, turnover and short-stay density into a single national percentile (estimated).

Investment grade

Fgrade · 7/100 · top 93% of 3,608AU suburbs
Peer distributionstronger than 7% of AU suburbs
WeakerTypicalStronger
Capital growth33
Rental yield3
Stability16
Volatility-18.6ppCycle-1.0Affordability-1.5

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Mortgage affordability

132%
of household income to service a new loan
30.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $11,991/mo vs median rent $2,513/mo (+377% · +$2187/wk)

If rates move

At 4.0%: $9,548/mo (-2,443) · at 6.0% (current): $11,991/mo · at 8.0%: $14,675/mo (+2,684)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Higher yield

similar price · cross-LGA

Stronger 5-yr growth

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying
22.9x
median home price as a multiple of annual household income
Stretched
Renting
28%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,500/mo, while renters pay about $2,513/mo — renting runs $13/mo higher on these medians.

Median price
$2.50M
Household income · yr
$109K
Median rent · wk
$580
Owner mortgage · mo
$2,500
Gross yield
1.2%

Household income

$109K household · yr+32.9% vs VIC suburb median
Personal
$58K
Family
$148K
Household
$109K
Household income distribution (ABS Census 2021 · weekly)fewer than 26% could service the median house
Under $300
21
$300-649
36
$650-999
31
$1,000-1,499
50
$1,500-1,999
49
$2,000-2,999
65
$3,000-3,999
41
$4,000+
101

Serviceability line: a household needs about $9,224/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 46% of households here would spend more than 30% of income on rent (rent stress line: $1,933/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$46K → $54K

Housing stock and tenure

Tenure (428 households)
Owned outright
66%
Owned with mortgage
21%
Rented
12%
Dwelling structure52.6% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
0%
Flat / apartment
3%

Getting to work: 48% drive, 0% public transport, 8% walk or cycle, 41% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

17/ 100 livability index

Top 83% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 17% of Australian suburbs
WeakerTypicalStronger
Everyday access58
Public transport (5 stops)24
Schools & hospitals0

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Crime Year ending Dec 2025
12,194
7,089 per 100k
D8 vs AU

Crime

Rate · per 100k7,089
Total incidents12,194· Year ending Dec 2025
  • Assault98938%
  • Sexual Offences31112%
  • Robbery512%
  • Break And Enter1,22848%

Bushfire-prone area

Partly designated ~97.3%
~97.3% of the suburb is within Victoria's designated Bushfire Prone Area

Share of the suburb within Victoria's gazetted Bushfire Prone Area (Vicmap, CC BY), point-sampled across the suburb. A Bushfire Prone Area is a planning designation that triggers the building code's bushfire construction provisions — it is not a graduated hazard rating or a property-level Bushfire Attack Level (BAL) assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Flood exposure

No mapped exposure ~0.5%
~0.5% of the suburb sits within a mapped flood-hazard area

Estimated exposure to the official flood-hazard layer (VIC LSIO), point-sampled across the suburb. This shows how much of the suburb sits within mapped flood-planning areas — it is not a property-level flood certificate. Areas without a completed flood study may be unmapped. Check the local council's flood maps for an individual property.

Short-term rentals

72
active listings · ~63.7 per 1,000 residents
100%
entire homes (vs private rooms)
58%
run by multi-listing operators
Investment view Estimated
$582
median nightly (entire home)
5%
estimated occupancy
$7,659
estimated annual revenue (gross)

Estimated short-let income is 0.3× the $30,160/yr a long-term let would earn at the median rent — before management fees, cleaning, vacancy beyond the occupancy model, and short-stay regulation.

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Green Wedge (GWZ)
Rural / Green wedge 91% Public / Open space 5% Residential 3% Other 1%
Residential density: Standard

Land-use mix estimated by point-sampling the suburb against Vicmap Planning scheme-zone polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Growth outlook · Mornington Peninsula LGA

Dwellings
+11.7%
93,600 → 104,550
+10,950 dwellings
Population
+10.1%
170,390 → 187,540
Households
+14.5%
71,000 → 81,300

LGA-level official projection (Victoria in Future 2023, DTP). Indicative of the wider council area, not a suburb-level forecast.

Population outlook

6,045 people · 20226,011 by 2032 (-0.6%)

ABS population projection (2022 base) for the Flinders SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
Flinders VIC — Property Data and Demographics

Located in Victoria within the Mornington Peninsula local government area, Flinders is a close-knit residential community (postcode 3929). It is home to about 1,130 residents, with a more retirement-aged population and a median age of 63. Households earn a median income of $109K per year, with an average household size of 2.1 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.8% year-on-year at the LGA level. VIC employment has moved +0.9% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. VIC also had 41 Commonwealth-backed major projects under construction, 18 underway, and 24 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are professionals, managers, technicians & trades. Employment in the area leans toward professional services and healthcare. The top ancestries reported are English, Australian, Irish.

Median house prices in Flinders stand at $2.5 million, having declined steeply by 10.7% over the last twelve months. The current median weekly rent is $580. This gives a gross rental yield of approximately 1.2%. The median monthly mortgage repayment is $2,500.

Public transport access includes 5 bus stops. The crime rate in the Mornington Peninsula LGA is moderate at 7,089 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 1.2%, which reads as low yield. Property prices are above the state median ($2.5M/$850K), placing it in the premium segment. The price-to-income ratio of 22.9x is considered stretched. House prices have moved -10.7% year-on-year. Population growth of +0.8% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield1.2% Low Yield
Price vs State$2.5M/$850K Above Median
Affordability22.9x Stretched
Price Momentum-10.7% Falling
Pop. Growth+0.8%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$2,500
Rent · wk(Census)$451
Market rent · wk(Sep 2025)$580
Gross yield0.9%
Price / income22.9x
Population growth · Mornington Peninsula LGAABS ERP
Population (2025)172,217
5-year growth+0.2% CAGR
YoY change+0.8%
20012025
Development · Mornington Peninsula LGAABS Approvals
Approvals (2026)692
Houses 59%Units 41%
YoY change+0%
Employment · Mornington Peninsula LGASALM
Unemployment (Dec-25)3.4%
YoY change-0.3pp
Dec-10Dec-25
Property investors · Postcode 3929ATO
Negatively geared5.5%
43 of filers
Avg rental loss$17,971/yr
Landlords (rental income)114
Reported capital gains199
People & prosperity
DemographicsCensus 21
Population1,130
Median age63
Household size2.1
HH income · wk$2,104
Personal income · wk$1,118
Persons / bedroom0.6
IncomeATO 22-23
Median income$53,908
Mean income$117,485
Earners4,210
YoY change+4.2%
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)10/10
Economic (IER)9/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$1,632 → $2,104
Change+28.9%
vs VIC median+5.4 pp
Median rent+19%
stablevs VIC 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies1
GP / clinics0
Fuel stations0
Cafes & dining4
TransportGTFS
Bus stops5
Hospitals · Mornington Peninsula LGAAIHW
Public2
Private2
Rosebud Hospitalpublic
The Mornington Centrepublic
Beleura Private Hospitalprivate
The Bays Hospitalprivate
Aged care · Mornington Peninsula LGAGEN
Facilities26
Residential places2,568
Bentons Lodge - Residential Aged Service170 places
Regis Capel Sound170 places
Mt Eliza Gardens Aged Care150 places
Mornington Bay Care Community140 places
Somerville Gardens Care Community130 places
Racecourse Grange Residential Care129 places
+20 more in Mornington Peninsula LGA
Childcare · Mornington Peninsula LGAACECQA
Services110
Approved places6,704
Exceeding NQS31
Explorers Early Learning - Mornington153 places
Toorak College Preschool132 places
Westernport Child Care Centre130 places
Pelican Childcare Mount Martha124 places
Mt Eliza House Child Care and Early Learning Centre123 places
Story House Early Learning Mornington122 places
+104 more in Mornington Peninsula LGA
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Sources & freshness
Strong evidence

Flinders carries enough direct local evidence for a first-pass decision.

QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.

PRICE POSTURE
Manual release files still matter here.

DataVic-discovered annual suburb price workbooks parsed into suburb prices. Quarterly VIC resources are discovered and cached, but not yet used as current-price anchors.

RENT POSTURE
Rent is using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
VIC Property Sales Report · 2024 · DataVic-discovered annual suburb price workbooks parsed into suburb prices. Quarterly VIC resources are discovered and cached, but not yet used as current-price anchors.
medium stability · mixed acquisition · every update · quarterly
Available
Market rent
Homes Victoria · Sep 2025 · State market dataset
medium stability · automated · every update · quarterly
Available
Crime
VIC Crime Statistics Agency · Year ending Dec 2025 · Area-level release dataset
Available
Schools
ACARA 2025 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 5 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

Flinders FAQ

Common questions
  1. What LGA is Flinders in?

    Flinders is in the Mornington Peninsula Local Government Area, VIC, postcode 3929. Council-level context for Mornington Peninsula LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Flinders?

    The current median house price in Flinders, VIC is $2.5M, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in Flinders?

    The median weekly rent in Flinders is $580/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Flinders?

    Income-stretched rent market: Weekly rent screens at about 56% of annual income. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  5. Is Flinders a good investment?

    QuickProperty's investment signals for Flinders show: Low Yield, Above Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Flinders?

    Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.

  7. How often is the Flinders data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.