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Suburb profile ·Cardinia LGA · VIC ·3809

Officer VIC 3809

Officer is in Cardinia LGA, VIC, postcode 3809, with population 18,503.

The read

Growth-momentum

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.

$743K
+3.4% YoY
2014 → 2025 · 12 periods
ABS + state medians
$743K
$339K
2014 2025
Why it fits

Population scale is large enough to avoid reading this as a tiny locality only. Population movement supports a growth-led read. School coverage gives the page a stronger family/livability signal.

Median house
$743K
House median, latest period
3.4%YoY D4 vs AU
Median rent
$560/wk
Rent context available
D10 vs AU
Gross yield
3.9%
Below investor band
D10 vs AU
Population
18,503
19K local footprint
D10 vs AU
Schools
9
Matched school context
D10 vs AU
Drive to city
47 min
53.7 km to Melbourne CBD · free-flow
Transit to city
82 min
Public transport to Melbourne CBD · weekday 8am
Solar
4,077
593 added 12mo · 29MW

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-$311/wk (-$16,176/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-28% vs suburbs of similar SEIFA advantage (decile 8)

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

Dgrade · 35/100 · top 65% of 3,604AU suburbs
Peer distributionstronger than 35% of AU suburbs
WeakerTypicalStronger
Capital growth16
Rental yield46
Stability94
Volatility-5.9ppCycle-2.0

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 Officer

Owner-occupied 72%Rented 28%
Investor activityATO
Negatively geared8.3%
1,179 of 1,557 landlords
Avg rental loss$7,541/yr
Landlords (rental income)1,557
Reported capital gains745
Investor exposure index(moderate vs national)61/100
The read

Owner-occupier stronghold

70% of homes here are owner-occupied and 28% rented, with 8% of landlords negatively geared.

Why it fits

70% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

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

Mortgage affordability

40%
of household income to service a new loan
9.0 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,638/mo vs median rent $2,427/mo (+50% · +$280/wk)

If rates move

At 4.2%: $2,905/mo (-733) · at 6.2% (current): $3,638/mo · at 8.2%: $4,442/mo (+804)

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
6.7x
median home price as a multiple of annual household income
Moderate
Renting
26%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,000/mo, while renters pay about $2,427/mo — renting runs $427/mo higher on these medians.

Median price
$743K
Household income · yr
$111K
Median rent · wk
$560
Owner mortgage · mo
$2,000
Gross yield
3.9%

Household income

$111K household · yr+34.2% vs VIC suburb median
Personal
$50K
Family
$117K
Household
$111K
Household income distribution (ABS Census 2021 · weekly)29% could service the median house
Under $300
112
$300-649
305
$650-999
482
$1,000-1,499
851
$1,500-1,999
902
$2,000-2,999
1,801
$3,000-3,999
848
$4,000+
532

Serviceability line: a household needs about $2,799/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 41% of households here would spend more than 30% of income on rent (rent stress line: $1,867/wk income).

Housing stock and tenure

Tenure (6,144 households)
Owned outright
13%
Owned with mortgage
57%
Rented
28%
Dwelling structure3.4% of dwellings unoccupied on census night
Separate house
95%
Townhouse / semi
5%
Flat / apartment
0%

Getting to work: 68% drive, 2% public transport, 1% walk or cycle, 25% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total9
Avg ICSEA1031
Students3,810
Catholic2
Government7
  • Officer Primary SchoolPrimary · Government · ICSEA 1010
  • St Brigid's SchoolPrimary · Catholic · ICSEA 1082
  • Officer Specialist SchoolSpecial · Government · ICSEA 999Zoned
  • St Clare's Primary SchoolPrimary · Catholic · ICSEA 1040
  • Officer Secondary CollegeSecondary · Government · ICSEA 1012Zoned
  • Bridgewood Primary SchoolPrimary · Government · ICSEA 1054

2 of 9 schools here operate published enrolment zones (catchments). Zone boundaries set eligibility — check the official source for the exact catchment. Not enrolment advice.

Livability

95/ 100 livability index

Top 5% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 95% of Australian suburbs
WeakerTypicalStronger
Everyday access91
Public transport (48 stops)83
Schools & hospitals97

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 Mar 2026
9,409
6,888 per 100k
D8 vs AU

Crime

Rate · per 100k6,888
Total incidents9,409· Year ending Mar 2026
  • Assault86148%
  • Sexual Offences29216%
  • Robbery774%
  • Break And Enter55831%

Development screen

Could a secondary dwelling be worth investigating?

small second home screening context High broad constraint context

Policy position

Official source access limited

The official state policy page could not be reliably re-verified automatically in the latest review. Treat this screen as preliminary and confirm the current planning and building requirements with the state source and local council.

Rental use: Review against the official Planning Victoria guidance and local building requirements before use.

Open official policy source

Separate houses

91.5%

Suburb share of occupied private dwellings recorded as separate houses.

11.0 pp above the state median

State median 80.5% · 693 valid suburbs

Residential-zone context

0.0%

Broad suburb sampling only; the property zoning and overlays can differ.

Near the state median

State median 0.0% · 690 valid suburbs

Rental households

28.0%

Demand context only; it does not establish permission to rent a secondary dwelling.

5.8 pp above the state median

State median 22.2% · 693 valid suburbs

Mapped hazards

bushfire high · flood present

The staged suburb layer indicates a broad-area constraint that needs address-level checking. The staged suburb layer indicates a broad-area constraint that needs address-level checking.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Verify current source

    State policy position

    The current small second home position needs direct confirmation before relying on this screen.

  2. 02 Property dependent

    Planning pathway

    Confirm zoning, lot controls, overlays, setbacks, site coverage and whether planning approval is required.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: Officer unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Officer, VIC 3809 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

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

High broad-area context

About 69.6% 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

Low broad-area context

About 6.2% 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

Partly designated ~69.6%
~69.6% 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

Low exposure ~6.2%
~6.2% 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

27
active listings · ~1.5 per 1,000 residents
37%
entire homes (vs private rooms)
59%
run by multi-listing operators

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 Urban Growth (UGZ)
Residential 59% Rural / Green wedge 31% Public / Open space 10%
Residential density: Growth · 56% growth-zoned (RGZ/UGZ)

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 · Cardinia LGA

Dwellings
+51.5%
43,530 → 65,930
+22,400 dwellings
Population
+49.4%
119,520 → 178,610
Households
+52.3%
42,610 → 64,900

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

Population outlook

25,757 people · 202240,288 by 2032 (+56.4%)

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

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

Officer is a settled mid-to-large suburb in Victoria within the Cardinia local government area (postcode 3809). With a population of 18,503, the suburb has a predominantly early-career demographic with a median age of 31. Households earn a median income of $111K per year, with an average household size of 2.9 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +2.6% 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, technicians & trades, clerical & administrative. Employment in the area leans toward healthcare and construction. The top ancestries reported are English, Australian, Indian.

Median house prices in Officer stand at $743,000, having increased by 3.4% over the last twelve months. Units have a median price of $540,000 (-2.7% YoY). The current median weekly rent is $560. This gives a gross rental yield of approximately 3.9%. The median monthly mortgage repayment is $2,000.

Officer is served by 9 schools, including 7 primary, 1 secondary, 1 special. The average ICSEA score is 1031, which is around the national average of 1,000. Public transport access includes 3 rail stations, 45 bus stops. The crime rate in the Cardinia LGA is moderate at 6,888 incidents per 100,000 population.

On the investment side, Officer shows a gross rental yield of approximately 3.9%, rated as moderate yield. Property prices are near the state median ($743K/$850K). The price-to-income ratio of 6.7x is considered moderate. House prices have moved +3.4% year-on-year. Population growth of +2.6% year-on-year points to strong growth demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield3.9%· Moderate Yield
Price vs State$743K/$850K· Near Median
Affordability6.7x· Moderate
Price Momentum+3.4%· Stable
Pop. Growth+2.6% Strong Growth
Development+0%· Steady
InvestmentVIC
Mortgage · mth$2,000
Rent · wk(Census)$396
Market rent · wk(Sep 2025)$560
Gross yield2.8%
Price / income6.7x
Sales vol (latest Q)(2025-Q4)153
Population growth · Cardinia LGAABS ERP
Population (2025)133,472
5-year growth+2.8% CAGR
YoY change+2.6%
20012025
Development · Cardinia LGAABS Approvals
Approvals (2026)1,154
Houses 89%Units 11%
YoY change+0%
Employment · Cardinia LGASALM
Unemployment (Dec-25)4.2%
YoY change+0.6pp
Dec-10Dec-25
Property investors · Postcode 3809ATO
Negatively geared8.3%
1,179 of filers
Avg rental loss$7,541/yr
Landlords (rental income)1,557
Reported capital gains745
People & prosperity
DemographicsCensus 21
Population18,503
Median age31
Household size2.9
HH income · wk$2,125
Personal income · wk$970
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)8/10
Economic (IER)8/10
Disadvantage (IRSD)8/10
Income momentumCensus 16→21
HH income · wk$1,866 → $2,125
Change+13.9%
vs VIC median-9.6 pp
Median rent+9.7%
softeningvs VIC 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets3
Pharmacies0
GP / clinics6
Fuel stations7
Cafes & dining21
iga1
woolworths1
TransportGTFS
Rail stations3
Bus stops45
Officer Station
Station St/Princes Hwy
Hospitals · Cardinia LGAAIHW
Public1
Private0
Kooweerup Regional Health Servicepublic
Aged care · Cardinia LGAGEN
Facilities9
Residential places766
Cardinia Community Aged Care198 places · in suburb
Millhaven Lodge119 places
McGregor Gardens Aged Care91 places
Salisbury House Nursing Home90 places
Villa Maria Catholic Homes Shanagolden Aged Care Residence90 places
Lifeview Emerald Glades60 places
+3 more in Cardinia LGA
Childcare · Cardinia LGAACECQA
Services116
Approved places9,001
Exceeding NQS21
Little Beacons Learning Centre235 places
Ryan Road Childcare168 places
Great Beginnings Pakenham160 places
Camp Australia - Bridgewood Primary School OSHC150 places · in suburb
Pakenham Consolidated School Learn, Explore and Play140 places
Amiga Montessori Officer Fields135 places · in suburb
+110 more in Cardinia LGA
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Current status
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Sources & freshness
Strong evidence

Officer 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 · 9 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 · 48 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.

Officer FAQ

Common questions
  1. What LGA is Officer in?

    Officer is in the Cardinia Local Government Area, VIC, postcode 3809. Council-level context for Cardinia LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Officer?

    The current median house price in Officer, VIC is $743K, 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 Officer?

    The median weekly rent in Officer is $560/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Officer?

    Rent context available: Officer 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 Officer a good investment?

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

  6. Where does QuickProperty get its data for Officer?

    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 Officer 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.