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Suburb profile ·Bass Coast LGA · VIC ·3995

St Clair VIC 3995

St Clair is in Bass Coast LGA, VIC, postcode 3995, with population 44.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

Why it fits

Population movement supports a growth-led read. Higher SEIFA context supports a stronger local-quality read.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
No local house series
Median rent
$480/wk
Rent context available
D10 vs AU
Gross yield
Need rent + price
Population
44,377
44K via Bass Coast LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
2,868
213 added 12mo · 18MW

Price history

No price history available

Price series isn't recorded for this suburb. Census housing data is shown instead.

Median mortgage · mth$1,571
Median rent · wk$150

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

Affordability

30%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,571/mo, while renters pay about $2,080/mo — renting runs $509/mo higher on these medians.

Household income · yr
$85K
Median rent · wk
$480
Owner mortgage · mo
$1,571

Household income

$85K household · yr+2.7% vs VIC suburb median
Personal
$43K
Family
$134K
Household
$85K
Crime Year ending Mar 2026
3,637
8,064 per 100k
D8 vs AU

Crime

Rate · per 100k8,064
Total incidents3,637· Year ending Mar 2026
  • Assault42251%
  • Sexual Offences12415%
  • Robbery40%
  • Break And Enter27133%

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

Moderate broad-area context

About 28.3% 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

Moderate exposure ~28.3%
~28.3% 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 Farming (FZ)
Rural / Green wedge 90% Residential 8% Public / Open space 2%
Residential density: Growth · 8% 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 · Bass Coast LGA

Dwellings
+27.2%
28,980 → 36,870
+7,890 dwellings
Population
+25.4%
40,640 → 50,960
Households
+29.7%
18,560 → 24,070

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

Population outlook

27,529 people · 202235,311 by 2032 (+28.3%)

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

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

Located in Victoria within the Bass Coast local government area, St Clair is a small, quiet locality (postcode 3995). The area has roughly 44 residents and a mix of young professionals and families, with a median age of 35. Households earn a median income of $85K per year, with an average household size of 3.1 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +2.1% 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 managers, technicians & trades, community & personal service. Employment in the area leans toward agriculture and retail trade. The top ancestries reported are English, Australian, Irish.

The current median weekly rent is $480. The median monthly mortgage repayment is $1,571.

The crime rate in the Bass Coast LGA is higher than average at 8,064 incidents per 100,000 population.

On the investment side, Population growth of +2.1% 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
Pop. Growth+2.1% Strong Growth
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,571
Rent · wk(Census)$150
Market rent · wk(Sep 2025)$480
Population growth · Bass Coast LGAABS ERP
Population (2025)44,377
5-year growth+2.6% CAGR
YoY change+2.1%
20012025
Development · Bass Coast LGAABS Approvals
Approvals (2026)335
Houses 96%Units 4%
YoY change+0%
Employment · Bass Coast LGASALM
Unemployment (Dec-25)3.3%
YoY change-0.6pp
Dec-10Dec-25
Property investors · Postcode 3995ATO
Negatively geared4.3%
285 of filers
Avg rental loss$7,067/yr
Landlords (rental income)703
Reported capital gains525
People & prosperity
DemographicsCensus 21
Population44
Median age35
Household size3.1
HH income · wk$1,625
Personal income · wk$833
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)9/10
Education (IEO)5/10
Economic (IER)9/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,142 → $1,625
Change+42.3%
vs VIC median+18.8 pp
Median rent-25.7%
gentrifyingvs VIC 2016–21
Area & amenity
Hospitals · Bass Coast LGAAIHW
Public1
Private0
Bass Coast Healthpublic
Aged care · Bass Coast LGAGEN
Facilities7
Residential places482
Inverloch Coast Care Community110 places
Banfields Aged Care98 places
Rose Lodge98 places
Phillip Island Care Community80 places
Melaleuca Aged Care37 places
Kirrak House30 places
+1 more in Bass Coast LGA
Childcare · Bass Coast LGAACECQA
Services26
Approved places1,655
Exceeding NQS4
Phillip Island Early Learning Centre178 places
Bass Valley Uniting Early Learning132 places
Inverloch Childcare104 places
Wonthaggi PS TheirCare100 places
Inverloch PS TheirCare80 places
Island Kids Early Learning Centre80 places
+20 more in Bass Coast LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
Add St Clair if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Usable evidence

St Clair is usable as a read, though it still needs cross-checking.

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 · 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
Missing
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 · 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 · 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.
Sparse locality note

This page stays indexable because St Clair is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches, hospital coverage, and transport stops.

Coverage is thinner on school matches, hospital coverage, and transport stops; lean less on this one page and confirm those gaps elsewhere.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Start here for context, then open compare, the state hub, or larger nearby suburbs before treating this as a complete market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

This page is useful for direction-setting, not closure. Use it to frame the locality, then confirm the story with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If St Clair feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Harmers Haven most similar
similar rent profile similar suburb scale

pop same · rent -$280/wk

Similar local read: useful for context, but still compare the actual market signals.

Archies Creek most similar
similar suburb scale

pop same · rent -$180/wk

Similar local read: useful for context, but still compare the actual market signals.

Almurta most similar
similar suburb scale

pop same · rent -$205/wk

Similar local read: useful for context, but still compare the actual market signals.

St Clair FAQ

Common questions
  1. What LGA is St Clair in?

    St Clair is in the Bass Coast Local Government Area, VIC, postcode 3995. Council-level context for Bass Coast LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the typical weekly rent in St Clair?

    The median weekly rent in St Clair is $480/wk, based on the current market rent dataset. The current rent signal is rent context available.

  3. What does the rent signal say about St Clair?

    Rent context available: St Clair 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.

  4. Is St Clair a good investment?

    QuickProperty's investment signals for St Clair show: Strong Growth, Steady. These are computed from price, rent, income, and population data — not an opaque score.

  5. Where does QuickProperty get its data for St Clair?

    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.

  6. How often is the St Clair 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.