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Suburb profile ·Moira LGA · VIC ·3730

Yarrawonga VIC 3730

Yarrawonga is in Moira LGA, VIC, postcode 3730, with population 8,661.

The read

Affordability-first

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.

$534K
-17.3% YoY
2014 → 2025 · 11 periods
ABS + state medians
$670K
$297K
2014 2025
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. School coverage gives the page a stronger family/livability signal. Transport coverage adds a practical access signal.

Read full evidence → Compare suburb Run calculator
Median house
$534K
House median, latest period
↓17.3%YoY D2 vs AU
Median rent
$460/wk
Income-stretched rent market
D10 vs AU
Gross yield
4.5%
Moderate yield band
D10 vs AU
Population
8,661
9K local footprint
D10 vs AU
Schools
3
Matched school context
D9 vs AU
Drive to city
3h 25m
269.1 km to Melbourne CBD · free-flow
Solar
2,891
230 added 12mo · 19MW

Price history

House, unit and vacant land medians · ABS + state datasets

Rental vacancy rate

Official Homes Victoria (DFFH) figure · Regional Victoria grain
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

Derived from this suburb's own price, rent and income history
Indicative cashflow-$180/wk (-$9,375/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-0% vs suburbs of similar SEIFA advantage (decile 3)

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

Composite · growth · yield · stability
Fgrade · 17/100 · top 83% of 3,604AU suburbs
Peer distributionstronger than 17% of AU suburbs
WeakerTypicalStronger
Capital growth11
Rental yield48
Stability20
Volatility-16.9ppCycle-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.

Investor profile

Who invests in Yarrawonga

Owner-occupied 76%Rented 24%
Investor activityATO
Negatively geared4.7%
267 of 634 landlords
Avg rental loss$8,515/yr
Landlords (rental income)634
Reported capital gains517
The read

Owner-occupier stronghold

74% of homes here are owner-occupied and 23% rented, with 5% of landlords negatively geared.

Why it fits

74% 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

RBA rate · ABS Census 2021 household income
53%
of household income to service a new loan
11.9 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,614/mo vs median rent $1,993/mo (+31% · +$143/wk)

If rates move

At 4.2%: $2,087/mo (-527) · at 6.2% (current): $2,614/mo · at 8.2%: $3,191/mo (+577)

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

Similar-priced suburbs in other council areas that rate higher on a metric.

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 & renting · ABS Census + state data
Buying
8.9x
median home price as a multiple of annual household income
Moderate
Renting
40%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,430/mo, while renters pay about $1,993/mo — renting runs $563/mo higher on these medians.

Median price
$534K
Household income · yr
$60K
Median rent · wk
$460
Owner mortgage · mo
$1,430
Gross yield
4.5%

Household income

ABS Census · ATO
$60K household · yr-27.4% vs VIC suburb median
Personal
$33K
Family
$75K
Household
$60K
Household income distribution (ABS Census 2021 · weekly)28% could service the median house
Under $300
145
$300-649
604
$650-999
672
$1,000-1,499
565
$1,500-1,999
308
$2,000-2,999
517
$3,000-3,999
209
$4,000+
170

Serviceability line: a household needs about $2,011/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 63% of households here would spend more than 30% of income on rent (rent stress line: $1,533/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$40K → $49K

Housing stock and tenure

ABS Census 2021
Tenure (3,462 households)3.1% social housing
Owned outright
46%
Owned with mortgage
28%
Rented
23%
Dwelling structure17.1% of dwellings unoccupied on census night
Separate house
84%
Townhouse / semi
14%
Flat / apartment
0%

Getting to work: 83% drive, 0% public transport, 5% walk or cycle, 9% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

ACARA 2025
Total3
Avg ICSEA1010
Students1,687
Catholic2
Government1
  • Yarrawonga College P-12Combined · Government · ICSEA 964
  • Sacred Heart Primary SchoolPrimary · Catholic · ICSEA 1046
  • Sacred Heart CollegeSecondary · Catholic · ICSEA 1021

Livability

OSM · GTFS · schools + hospitals
74/ 100 livability index

Top 26% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 74% of Australian suburbs
WeakerTypicalStronger
Everyday access81
Public transport (6 stops)25
Schools & hospitals81

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
2,798
8,992 per 100k
D9 vs AU

Crime

lga
Rate · per 100k8,992
Total incidents2,798· Year ending Mar 2026
  • Assault31456%
  • Sexual Offences7814%
  • Robbery51%
  • Break And Enter16629%

Development screen

Could a secondary dwelling be worth investigating?

Policy review required
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

69.9%

Suburb share of occupied private dwellings recorded as separate houses.

10.6 pp below 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

23.2%

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

Near 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: Yarrawonga 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.

Yarrawonga, VIC 3730 · 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.

2 broad-area layers staged

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 91.3% 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 6.9% 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

Vicmap Bushfire Prone Area
Partly designated ~91.3%
~91.3% 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

VIC LSIO
Low exposure ~6.9%
~6.9% 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

Vicmap Planning
Dominant zone Farming (FZ)
Rural / Green wedge 74% Residential 13% Public / Open space 10% Industrial 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 · Moira LGA

Victoria in Future 2023 · projection 2021–2036
Dwellings
+14.2%
14,950 → 17,070
+2,120 dwellings
Population
+8.2%
30,350 → 32,840
Households
+14%
13,070 → 14,900

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

Population outlook

ABS projection · Yarrawonga SA2 area · 2022 base
8,723 people · 202211,052 by 2032 (+26.7%)

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

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

Yarrawonga is a medium-sized suburb in Victoria within the Moira local government area (postcode 3730). The area has roughly 8,661 residents and a settled, mature resident base, with a median age of 52. Households earn a median income of $60K per year, with an average household size of 2.3 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.7% 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 technicians & trades, professionals, community & personal service. Employment in the area leans toward healthcare and construction. The top ancestries reported are English, Australian, Irish.

The median house price in Yarrawonga is $534,000, having declined steeply by 17.3% over the past year. Units have a median price of $485,000 (+7.3% YoY). The current median weekly rent is $460. This gives a gross rental yield of approximately 4.5%. The median monthly mortgage repayment is $1,430.

Yarrawonga is served by 3 schools, including 1 primary, 1 secondary, 1 combined. The average ICSEA score is 1010, which is around the national average of 1,000. Public transport access includes 6 bus stops. Healthcare facilities include 1 public hospital. The crime rate in the Moira LGA is higher than average at 8,992 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 4.5%, which reads as moderate yield. Property prices sit below the state median ($534K/$850K), which can point to relative value. The price-to-income ratio of 8.9x is considered moderate. House prices have moved -17.3% year-on-year. Population growth of +0.7% 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 Yield4.5%· Moderate Yield
Price vs State$534K/$850K↑ Below Median
Affordability8.9x· Moderate
Price Momentum-17.3%↓ Falling
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,430
Rent · wk(Census)$290
Market rent · wk(Sep 2025)$460
Gross yield2.8%
Price / income8.9x
Sales vol (latest Q)(2025-Q4)74
Population growth · Moira LGAABS ERP
Population (2025)30,866
5-year growth+0.4% CAGR
YoY change+0.7%
20012025
Development · Moira LGAABS Approvals
Approvals (2026)358
Houses 88%Units 12%
YoY change+0%
Employment · Moira LGASALM
Unemployment (Dec-25)2.4%
YoY change+0.7pp
Dec-10Dec-25
Property investors · Postcode 3730ATO
Negatively geared4.7%
267 of filers
Avg rental loss$8,515/yr
Landlords (rental income)634
Reported capital gains517
People & prosperity
DemographicsCensus 21
Population8,661
Median age52
Household size2.3
HH income · wk$1,149
Personal income · wk$625
Persons / bedroom0.7
IncomeATO 22-23
Median income$48,921
Mean income$57,950
Earners5,184
YoY change+7.1%
SEIFA indexABS
Advantage (IRSAD)3/10
Education (IEO)3/10
Economic (IER)3/10
Disadvantage (IRSD)3/10
Income momentumCensus 16→21
HH income · wk$962 → $1,149
Change+19.4%
vs VIC median-4.1 pp
Median rent+20.8%
stablevs VIC 2016–21
Top occupationsCensus
Technicians & Trades589Professionals518Community & Personal Service474Labourers471Managers429
Top industriesCensus
Healthcare479Construction444Accommodation & Food434Retail Trade367Manufacturing366
Top ancestryCensus
English3,820Australian3,560Irish1,235Scottish1,044German304
Area & amenity
Local amenitiesOSM
Supermarkets2
Pharmacies1
GP / clinics1
Fuel stations4
Cafes & dining14
iga1
woolworths1
TransportGTFS
Bus stops6
Hospitals · Moira LGAAIHW
Public4
Private0
Cobram District Healthpublic
Nathalia District Hospitalpublic
Numurkah & District Health Servicepublic
Yarrawonga Healthpublic · in suburb
Aged care · Moira LGAGEN
Facilities9
Residential places435
Mercy Place Yarrawonga Woods Point130 places · in suburb
Ottrey Lodge101 places
Numurkah Pioneers Memorial Lodge36 places
Allawah Special Care Hostel30 places · in suburb
Irvin House30 places
Karana30 places · in suburb
+3 more in Moira LGA
Childcare · Moira LGAACECQA
Services29
Approved places1,520
Exceeding NQS4
Trikki Kidz Yarrawonga125 places · in suburb
Country Buddies119 places · in suburb
Trikki Kidz Cobram110 places
Country Buddies Woods Road108 places · in suburb
Early Learning Victoria Numurkah102 places
Punt Road Kindergarten and Childcare Centre88 places
+23 more in Moira LGA
Nearby in Moira LGA12
Cobram$464K · 6,148Numurkah$425K · 4,604Nathalia$398K · 1,982Strathmerton$330K · 1,072Bundalong$968K · 512Katunga · 1,025Burramine South · 24Bundalong South · 42Telford · 21Yielima · 93Muckatah · 170Cobram East · 232
Tax calculatorsaustax.tools
Stamp Duty CalculatorVIC ↗Land Tax CalculatorVIC ↗Capital Gains Tax↗Depreciation Calculator↗Investment Property Tax↗
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Sources & freshness
Strong evidence

There is enough direct local evidence on Yarrawonga 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 · 3 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 6 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.

Yarrawonga FAQ

Common questions
  1. What LGA is Yarrawonga in?

    Yarrawonga is in the Moira Local Government Area, VIC, postcode 3730. Council-level context for Moira LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Yarrawonga?

    The current median house price in Yarrawonga, VIC is $534K, 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 Yarrawonga?

    The median weekly rent in Yarrawonga is $460/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 Yarrawonga?

    Income-stretched rent market: Weekly rent screens at about 49% 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 Yarrawonga a good investment?

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

  6. Where does QuickProperty get its data for Yarrawonga?

    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 Yarrawonga 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.