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Suburb profile ·Ballarat LGA · VIC ·3350

Nerrina VIC 3350

Nerrina is in Ballarat LGA, VIC, postcode 3350, with population 970.

The read

Livability-led

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$733K
+7.0% YoY
2015 → 2024 · 10 periods
ABS + state medians
$795K
$518K
2015 2024
Why it fits

Higher SEIFA context supports a stronger local-quality read.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$733K
House median, latest period
7.0%YoY D4 vs AU
Median rent
$420/wk
Rent context available
D9 vs AU
Gross yield
3.0%
Low yield band
D9 vs AU
Population
970
970 local footprint
D8 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
8,291
605 added 12mo · 56MW

Price history

Rental vacancy rate

Rental vacancy rate · Regional Victoria
1.9%
Tight (landlord) market

Official vacancy is published at the Regional Victoria 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-$407/wk (-$21,150/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-45% 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).

Investment grade

Cgrade · 50/100 · top 50% of 3,604AU suburbs
Peer distributionstronger than 50% of AU suburbs
WeakerTypicalStronger
Capital growth49
Rental yield43
Stability63
Volatility-13.5ppCycle+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.

Investor profile

Who invests in Nerrina

Owner-occupied 92%Rented 8%
Investor activityATO
Negatively geared7.2%
2,898 of 5,063 landlords
Avg rental loss$8,333/yr
Landlords (rental income)5,063
Reported capital gains3,669
The read

Owner-occupier stronghold

91% of homes here are owner-occupied and 8% rented, with 7% of landlords negatively geared.

Why it fits

91% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.0% is thin — returns here lean on capital growth, not cash flow.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

34%
of household income to service a new loan
7.8 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,592/mo vs median rent $1,820/mo (+97% · +$409/wk)

If rates move

At 4.2%: $2,868/mo (-724) · at 6.2% (current): $3,592/mo · at 8.2%: $4,385/mo (+793)

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
5.9x
median home price as a multiple of annual household income
Affordable
Renting
17%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,717/mo, while renters pay about $1,820/mo — renting runs $103/mo higher on these medians.

Median price
$733K
Household income · yr
$125K
Median rent · wk
$420
Owner mortgage · mo
$1,717
Gross yield
3.0%

Household income

$125K household · yr+51.9% vs VIC suburb median
Personal
$54K
Family
$147K
Household
$125K
Household income distribution (ABS Census 2021 · weekly)42% could service the median house
Under $300
12
$300-649
24
$650-999
25
$1,000-1,499
33
$1,500-1,999
43
$2,000-2,999
73
$3,000-3,999
50
$4,000+
74

Serviceability line: a household needs about $2,763/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 26% of households here would spend more than 30% of income on rent (rent stress line: $1,400/wk income).

Housing stock and tenure

Tenure (349 households)
Owned outright
42%
Owned with mortgage
49%
Rented
8%
Dwelling structure4.1% of dwellings unoccupied on census night
Separate house
99%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 70% drive, 1% public transport, 1% walk or cycle, 25% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA986
Students84
Government1
  • Little Bendigo Primary SchoolPrimary · Government · ICSEA 986
Crime Year ending Mar 2026
14,859
11,856 per 100k
D9 vs AU

Crime

Rate · per 100k11,856
Total incidents14,859· Year ending Mar 2026
  • Assault1,22051%
  • Sexual Offences25611%
  • Robbery572%
  • Break And Enter86436%

Building due diligence

Construction requirements can change by location.

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone designation

Severe broad-area context

About 100.0% of the suburb is within Victoria's mapped Bushfire Prone Area.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Flood and moisture context

No mapped flood exposure

About 0.0% of the suburb intersects VIC LSIO.

May affect: Floor levels and drainage · Water-resistant assemblies · Material durability

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire-prone area

Designated ~100.0%
~100.0% 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 ~0.0%
~0.0% 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.

Planning zones

Dominant zone Public Conservation & Resource (PCRZ)
Public / Open space 55% Residential 38% Rural / Green wedge 7%
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 · Ballarat LGA

Dwellings
+36%
50,350 → 68,480
+18,130 dwellings
Population
+27.5%
113,480 → 144,730
Households
+33%
47,470 → 63,140

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

Population outlook

14,886 people · 202216,184 by 2032 (+8.7%)

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

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

Located in Victoria within the Ballarat local government area, Nerrina is a close-knit residential community (postcode 3350). The area has roughly 970 residents and a settled mid-life population, with a median age of 42. Households earn a median income of $125K per year, with an average household size of 2.7 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.7% year-on-year at the LGA level. VIC employment has moved +0.8% 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 healthcare and education. The top ancestries reported are English, Australian, Irish.

Median house prices in Nerrina stand at $733,000, having posted strong gains by 7% over the last twelve months. The current median weekly rent is $420. This gives a gross rental yield of approximately 3.0%. The median monthly mortgage repayment is $1,717.

Nerrina is served by 1 school, including 1 primary. The average ICSEA score is 986, which is around the national average of 1,000. The crime rate in the Ballarat LGA is higher than average at 11,856 incidents per 100,000 population.

From an investment perspective, The gross rental yield works out to roughly 3.0%, which reads as low yield. Property prices are near the state median ($733K/$850K). The price-to-income ratio of 5.9x is considered affordable. House prices have moved +7.0% year-on-year. Population growth of +1.7% 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 Yield3.0% Low Yield
Price vs State$733K/$850K· Near Median
Affordability5.9x Affordable
Price Momentum+7.0% Rising
Pop. Growth+1.7%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,717
Rent · wk(Census)$380
Market rent · wk(Sep 2025)$420
Gross yield2.7%
Price / income5.9x
Sales vol (latest Q)(2025-Q4)3
Population growth · Ballarat LGAABS ERP
Population (2025)122,661
5-year growth+1.9% CAGR
YoY change+1.7%
20012025
Development · Ballarat LGAABS Approvals
Approvals (2026)1,071
Houses 89%Units 11%
YoY change+0%
Employment · Ballarat LGASALM
Unemployment (Dec-25)4.1%
YoY change-0.2pp
Dec-10Dec-25
Property investors · Postcode 3350ATO
Negatively geared7.2%
2,898 of filers
Avg rental loss$8,333/yr
Landlords (rental income)5,063
Reported capital gains3,669
People & prosperity
DemographicsCensus 21
Population970
Median age42
Household size2.7
HH income · wk$2,405
Personal income · wk$1,033
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)9/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,057 → $2,405
Change+16.9%
vs VIC median-6.6 pp
Median rent+46.2%
softeningvs VIC 2016–21
Area & amenity
Hospitals · Ballarat LGAAIHW
Public2
Private2
Ballarat Health Services [Base Hospital]public
Ballarat Health Services [Queen Elizabeth Campus]public
Ballarat Day Procedure Centreprivate
St John of God Ballarat Hospitalprivate
Aged care · Ballarat LGAGEN
Facilities19
Residential places1,260
Nazareth House Ballarat145 places
Bupa Ballarat144 places
Estia Health Mount Clear120 places
Mercy Place Ballarat114 places
Calvary Kirralee113 places
Calvary Kelaston90 places
+13 more in Ballarat LGA
Childcare · Ballarat LGAACECQA
Services87
Approved places6,503
Exceeding NQS7
Centre for Early Education171 places
Goodstart Early Learning Delacombe145 places
Delacombe Primary School135 places
BEGINNINGS EARLY LEARNERS130 places
Sesame Kids Early Learning Centre130 places
Great Beginnings Mt Clear126 places
+81 more in Ballarat LGA
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Current status
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Sources & freshness
Strong evidence

Nerrina has 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 · 2025-Q4 · 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 Mar 2026 · Area-level release dataset
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · No matched local transport stops
medium stability · manual file · snapshot · mixed
Missing
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.

Nerrina FAQ

Common questions
  1. What LGA is Nerrina in?

    Nerrina is in the Ballarat Local Government Area, VIC, postcode 3350. Council-level context for Ballarat LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Nerrina?

    The current median house price in Nerrina, VIC is $733K, 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 Nerrina?

    The median weekly rent in Nerrina is $420/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Nerrina?

    Rent context available: Nerrina has usable rent context. 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 Nerrina a good investment?

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

  6. Where does QuickProperty get its data for Nerrina?

    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 Nerrina 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.