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Suburb profile ·Cardinia LGA · VIC ·3978

Cardinia VIC 3978

Cardinia is in Cardinia LGA, VIC, postcode 3978, with population 342.

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.

Why it fits

Population movement supports a growth-led read.

What to check

Small local population makes the signal set more fragile.

Median house
No local house series
Median rent
$560/wk
Rent context available
D10 vs AU
Gross yield
Need rent + price
Population
133,472
133K via Cardinia LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Solar
11,601
1,715 added 12mo · 81MW

Price history

No price history available

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

Median mortgage · mth$1,950
Median rent · wk$390

Affordability

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

Owners with a mortgage repay a median of $1,950/mo, while renters pay about $2,427/mo — renting runs $477/mo higher on these medians.

Household income · yr
$98K
Median rent · wk
$560
Owner mortgage · mo
$1,950

Household income

$98K household · yr+18.4% vs VIC suburb median
Personal
$36K
Family
$106K
Household
$98K

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.

Schools

Total1
Avg ICSEA976
Students189
Government1
  • Cardinia Primary SchoolPrimary · Government · ICSEA 976
Crime Year ending Dec 2025
9,665
7,195 per 100k
D8 vs AU

Crime

Rate · per 100k7,195
Total incidents9,665· Year ending Dec 2025
  • Assault87147%
  • Sexual Offences29416%
  • Robbery764%
  • Break And Enter60733%

Full data detail

Cardinia VIC — Property Data and Demographics

Cardinia is a sparsely populated locality in Victoria within the Cardinia local government area (postcode 3978). The area has roughly 342 residents and a settled mid-life population, with a median age of 44. Households earn a median income of $98K 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 +0.9% year-on-year in the official Jobs and Skills Australia NERO series, which provides the broader jobs backdrop for this suburb. VIC also had 45 Commonwealth-backed major projects under construction, 17 underway, and 27 in planning as at 2 October 2024, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are technicians & trades, professionals, managers. Employment in the area leans toward construction and retail trade. The top ancestries reported are Australian, English, Scottish.

The current median weekly rent is $560. The median monthly mortgage repayment is $1,950.

Cardinia is served by 1 school, including 1 primary. The average ICSEA score is 976, which is around the national average of 1,000. The crime rate in the Cardinia LGA is moderate at 7,195 incidents per 100,000 population.

On the investment side, 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
Pop. Growth+2.6% Strong Growth
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,950
Rent · wk(Census)$390
Market rent · wk(Sep 2025)$560
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)980
Houses863
Units117
YoY change+0%
Employment · Cardinia LGASALM
Unemployment (Dec-25)4.2%
YoY change+0.6pp
Dec-10Dec-25
Property investors · Postcode 3978ATO
Negatively geared3,207 (9.6% of filers)
Avg rental loss$7,759/yr
Landlords (rental income)3,896
Reported capital gains1,320
People & prosperity
DemographicsCensus 21
Population342
Median age44
Household size2.9
HH income · wk$1,875
Personal income · wk$693
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)5/10
Economic (IER)7/10
Disadvantage (IRSD)6/10
Shortlist workspace

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Current status
Add Cardinia if it deserves a shortlist slot.

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EMPTY SET

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Sources & freshness
Strong evidence

There is enough direct local evidence on Cardinia 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 · 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 · manual file · 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 Dec 2025 · 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.

Cardinia FAQ

Common questions
  1. What LGA is Cardinia in?

    Cardinia is in the Cardinia Local Government Area, VIC, postcode 3978. Council-level context for Cardinia LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the typical weekly rent in Cardinia?

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

  3. What does the rent signal say about Cardinia?

    Rent context available: Cardinia 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 Cardinia a good investment?

    QuickProperty's investment signals for Cardinia 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 Cardinia?

    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 Cardinia 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.