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Suburb profile ·Colac Otway LGA · VIC ·3250

Colac VIC 3250

Colac is in Colac Otway LGA, VIC, postcode 3250, with population 9,243.

The read

Income-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.

$484K
+4.5% YoY
2014 → 2025 · 12 periods
ABS + state medians
$500K
$235K
2014 2025
Why it fits

Gross yield screens at about 4.8%. Entry price sits in the lower-cost range for a first-pass screen. School coverage gives the page a stronger family/livability signal.

Median house
$484K
House median, latest period
4.5%YoY D2 vs AU
Median rent
$450/wk
Income-stretched rent market
D10 vs AU
Gross yield
4.8%
Strong yield band
D10 vs AU
Population
9,243
9K local footprint
D10 vs AU
Schools
7
Matched school context
D10 vs AU
Drive to city
2h 23m
163.5 km to Melbourne CBD · free-flow
Solar
1,578
116 added 12mo · 10MW

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-$124/wk (-$6,456/yr) · interest-only @ 6.2%, 80% LVR
Value vs advantage+17% vs suburbs of similar SEIFA advantage (decile 1)

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 · 58/100 · top 42% of 3,605AU suburbs
Peer distributionstronger than 58% of AU suburbs
WeakerTypicalStronger
Capital growth46
Rental yield45
Stability95
Volatility-7.9ppCycle+2.0Affordability-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 Colac

Owner-occupied 69%Rented 31%
Investor activityATO
Negatively geared4.1%
317 of 725 landlords
Avg rental loss$5,759/yr
Landlords (rental income)725
Reported capital gains569
Investor exposure index(moderate vs national)53/100
The read

Mixed owner-renter market

66% of homes here are owner-occupied and 30% rented, with 4% of landlords negatively geared.

Why it fits

A balanced 66% owner-occupier / 30% renter mix.

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

Mortgage affordability

48%
of household income to service a new loan
11.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,321/mo vs median rent $1,950/mo (+19% · +$86/wk)

If rates move

At 4.0%: $1,849/mo (-473) · at 6.0% (current): $2,321/mo · at 8.0%: $2,841/mo (+520)

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
8.4x
median home price as a multiple of annual household income
Moderate
Renting
41%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,213/mo, while renters pay about $1,950/mo — renting runs $737/mo higher on these medians.

Median price
$484K
Household income · yr
$58K
Median rent · wk
$450
Owner mortgage · mo
$1,213
Gross yield
4.8%

Household income

$58K household · yr-30% vs VIC suburb median
Personal
$34K
Family
$80K
Household
$58K
Household income distribution (ABS Census 2021 · weekly)29% could service the median house
Under $300
199
$300-649
798
$650-999
658
$1,000-1,499
650
$1,500-1,999
421
$2,000-2,999
563
$3,000-3,999
187
$4,000+
119

Serviceability line: a household needs about $1,786/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 64% of households here would spend more than 30% of income on rent (rent stress line: $1,500/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$45K → $53K

Housing stock and tenure

Tenure (3,874 households)6.6% social housing
Owned outright
38%
Owned with mortgage
28%
Rented
30%
Dwelling structure9.0% of dwellings unoccupied on census night
Separate house
86%
Townhouse / semi
13%
Flat / apartment
0%

Getting to work: 84% drive, 0% public transport, 7% walk or cycle, 6% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total7
Avg ICSEA960
Students1,923
Catholic2
Government5
  • Colac Primary SchoolPrimary · Government · ICSEA 946
  • Colac West Primary SchoolPrimary · Government · ICSEA 899
  • Colac South West Primary SchoolPrimary · Government · ICSEA 948
  • Lake Colac SchoolSpecial · Government · ICSEA 933
  • Colac Secondary CollegeSecondary · Government · ICSEA 955
  • Trinity College ColacSecondary · Catholic · ICSEA 1015

Livability

94/ 100 livability index

Top 6% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 94% of Australian suburbs
WeakerTypicalStronger
Everyday access89
Public transport (57 stops)87
Schools & hospitals96

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
1,954
8,804 per 100k
D9 vs AU

Crime

Rate · per 100k8,804
Total incidents1,954· Year ending Mar 2026
  • Assault17150%
  • Sexual Offences7221%
  • Robbery21%
  • Break And Enter9829%

Bushfire-prone area

Partly designated ~14.6%
~14.6% 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

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.

Short-term rentals

10
active listings · ~1.1 per 1,000 residents
70%
entire homes (vs private rooms)
10%
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 Public Conservation & Resource (PCRZ)
Public / Open space 78% Residential 17% Commercial / Mixed 2% Industrial 2%
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.

Population outlook

5,610 people · 20225,790 by 2032 (+3.2%)

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

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

Colac is a moderately sized suburb in Victoria within the Colac Otway local government area (postcode 3250). With a population of 9,243, the suburb has a settled mid-life population with a median age of 44. Households earn a median income of $58K per year, with an average household size of 2.2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.0% year-on-year at the LGA level. VIC employment has moved +0.9% 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 labourers, technicians & trades, community & personal service. Employment in the area leans toward manufacturing and healthcare. The top ancestries reported are Australian, English, Irish.

The median house price in Colac is $484,000, having risen by 4.5% over the past year. Units have a median price of $495,000 (+12.5% YoY). The current median weekly rent is $450. This gives a gross rental yield of approximately 4.8%. The median monthly mortgage repayment is $1,213.

Colac is served by 7 schools, including 4 primary, 2 secondary, 1 special. The average ICSEA score is 960, which is around the national average of 1,000. Public transport access includes 3 rail stations, 54 bus stops. Healthcare facilities include 1 public hospital. The crime rate in the Colac Otway LGA is higher than average at 8,804 incidents per 100,000 population.

Looking at the investment signals, Gross rental yield sits at around 4.8% (moderate yield). Property prices sit below the state median ($484K/$850K), which can point to relative value. The price-to-income ratio of 8.4x is considered moderate. House prices have moved +4.5% year-on-year. Population growth of +0.0% 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 Yield4.8%· Moderate Yield
Price vs State$484K/$850K Below Median
Affordability8.4x· Moderate
Price Momentum+4.5%· Stable
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,213
Rent · wk(Census)$260
Market rent · wk(Sep 2025)$450
Gross yield2.8%
Price / income8.4x
Population growth · Colac Otway LGAABS ERP
Population (2025)22,209
5-year growth-0.1% CAGR
YoY change+0%
20012025
Development · Colac Otway LGAABS Approvals
Approvals (2026)160
Houses 86%Units 14%
YoY change+0%
Employment · Colac Otway LGASALM
Unemployment (Dec-25)2%
YoY change+0.1pp
Dec-10Dec-25
Property investors · Postcode 3250ATO
Negatively geared4.1%
317 of filers
Avg rental loss$5,759/yr
Landlords (rental income)725
Reported capital gains569
People & prosperity
DemographicsCensus 21
Population9,243
Median age44
Household size2.2
HH income · wk$1,108
Personal income · wk$661
Persons / bedroom0.7
IncomeATO 22-23
Median income$52,653
Mean income$60,356
Earners8,444
YoY change+4.7%
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)1/10
Economic (IER)1/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$964 → $1,108
Change+14.9%
vs VIC median-8.6 pp
Median rent+20.9%
softeningvs VIC 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets4
Pharmacies1
GP / clinics1
Fuel stations4
Cafes & dining17
aldi1
coles1
iga1
woolworths1
TransportGTFS
Rail stations3
Bus stops54
Colac Station
Colac Station/Gellibrand St
Hospitals · Colac Otway LGAAIHW
Public2
Private0
Colac Area Healthpublic · in suburb
Otway Health & Community Services [Apollo Bay]public
Aged care · Colac Otway LGAGEN
Facilities6
Residential places274
Mercy Place Colac109 places · in suburb
Corangamarah75 places · in suburb
Calvary Barongarook Gardens60 places · in suburb
Apollo Bay Multi-Purpose Service30 places
Otway HealthShort-Term Restorative Care (STRC)
Prompt Care STRC - Vic RuralShort-Term Restorative Care (STRC) · in suburb
Childcare · Colac Otway LGAACECQA
Services22
Approved places828
Exceeding NQS3
Nido Early School Colac91 places · in suburb
LITTLE TIKES EARLY LEARNING88 places
Millville Children's Centre85 places · in suburb
Apex Preschool69 places
Apollo Bay Kindergarten66 places
Wydinia Kindergarten48 places · in suburb
+16 more in Colac Otway LGA
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Current status
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Sources & freshness
Strong evidence

Colac 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 · 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 · 7 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 57 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.

Colac FAQ

Common questions
  1. What LGA is Colac in?

    Colac is in the Colac Otway Local Government Area, VIC, postcode 3250. Council-level context for Colac Otway LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Colac?

    The current median house price in Colac, VIC is $484K, 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 Colac?

    The median weekly rent in Colac is $450/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 Colac?

    Income-stretched rent market: Weekly rent screens at about 44% 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 Colac a good investment?

    QuickProperty's investment signals for Colac 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 Colac?

    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 Colac 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.