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Suburb profile ·Greater Shepparton LGA · VIC ·3631

Kialla VIC 3631

Kialla is in Greater Shepparton LGA, VIC, postcode 3631, with population 8,667.

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.

$740K
+10.4% YoY
2014 → 2025 · 12 periods
ABS + state medians
$740K
$365K
2014 2025
Why it fits

Recent price movement shows visible market momentum. Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

Median house
$740K
House median, latest period
10.4%YoY D4 vs AU
Median rent
$470/wk
Income-stretched rent market
D10 vs AU
Gross yield
3.3%
Below investor band
D9 vs AU
Population
8,667
9K local footprint
D10 vs AU
Schools
2
Matched school context
D8 vs AU
Drive to city
2h 43m
187.3 km to Melbourne CBD · free-flow
Solar
3,486
254 added 12mo · 27MW

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-$376/wk (-$19,558/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-18% vs suburbs of similar SEIFA advantage (decile 7)

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 · 48/100 · top 52% of 3,604AU suburbs
Peer distributionstronger than 48% of AU suburbs
WeakerTypicalStronger
Capital growth38
Rental yield42
Stability91
Volatility-5.0ppCycle-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 Kialla

Owner-occupied 88%Rented 12%
Investor activityATO
Negatively geared7.4%
691 of 1,313 landlords
Avg rental loss$7,649/yr
Landlords (rental income)1,313
Reported capital gains813
The read

Owner-occupier stronghold

84% of homes here are owner-occupied and 12% rented, with 7% of landlords negatively geared.

Why it fits

84% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.3% is thin — returns here lean on capital growth, not cash flow.

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

Mortgage affordability

42%
of household income to service a new loan
9.5 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $3,626/mo vs median rent $2,037/mo (+78% · +$367/wk)

If rates move

At 4.2%: $2,895/mo (-731) · at 6.2% (current): $3,626/mo · at 8.2%: $4,427/mo (+801)

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
7.1x
median home price as a multiple of annual household income
Moderate
Renting
24%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,625/mo, while renters pay about $2,037/mo — renting runs $412/mo higher on these medians.

Median price
$740K
Household income · yr
$104K
Median rent · wk
$470
Owner mortgage · mo
$1,625
Gross yield
3.3%

Household income

$104K household · yr+26.2% vs VIC suburb median
Personal
$44K
Family
$114K
Household
$104K
Household income distribution (ABS Census 2021 · weekly)29% could service the median house
Under $300
70
$300-649
227
$650-999
305
$1,000-1,499
387
$1,500-1,999
339
$2,000-2,999
666
$3,000-3,999
352
$4,000+
306

Serviceability line: a household needs about $2,789/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 39% of households here would spend more than 30% of income on rent (rent stress line: $1,567/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$49K → $59K

Housing stock and tenure

Tenure (2,858 households)0.9% social housing
Owned outright
36%
Owned with mortgage
47%
Rented
12%
Dwelling structure4.6% of dwellings unoccupied on census night
Separate house
96%
Townhouse / semi
1%
Flat / apartment
0%

Getting to work: 86% drive, 0% public transport, 2% walk or cycle, 11% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total2
Avg ICSEA1015
Students559
Catholic1
Government1
  • Kialla Central Primary SchoolPrimary · Government · ICSEA 1008
  • St Anne's CollegeCombined · Catholic · ICSEA 1022

Livability

64/ 100 livability index

Top 36% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 64% of Australian suburbs
WeakerTypicalStronger
Everyday access56
Public transport (26 stops)63
Schools & hospitals56

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
10,357
14,737 per 100k
D10 vs AU

Crime

Rate · per 100k14,737
Total incidents10,357· Year ending Mar 2026
  • Assault91652%
  • Sexual Offences21112%
  • Robbery342%
  • Break And Enter60134%

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

91.1%

Suburb share of occupied private dwellings recorded as separate houses.

10.6 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

11.8%

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

10.4 pp below the state median

State median 22.2% · 693 valid suburbs

Mapped hazards

bushfire high · flood moderate

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: Kialla 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.

Kialla, VIC 3631 · 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

Severe broad-area context

About 91.0% 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 27.6% 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 ~91.0%
~91.0% 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 ~27.6%
~27.6% 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 55% Residential 26% Public / Open space 16% Other 1% Commercial / Mixed 1% Industrial 1%
Residential density: Low · 10% 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 · Greater Shepparton LGA

Dwellings
+19.6%
28,890 → 34,560
+5,670 dwellings
Population
+14.9%
68,520 → 78,730
Households
+21.9%
27,060 → 32,980

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

Population outlook

9,472 people · 202213,243 by 2032 (+39.8%)

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

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

Kialla (postcode 3631) is a moderately sized suburb in Victoria within the Greater Shepparton local government area. It is home to about 8,667 residents, with a settled mid-life population and a median age of 38. Households earn a median income of $104K per year, with an average household size of 2.9 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.6% 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, managers, technicians & trades. Employment in the area leans toward healthcare and construction. The top ancestries reported are Australian, English, Italian.

Median house prices in Kialla stand at $740,000, having jumped by 10.4% over the last twelve months. The current median weekly rent is $470. This gives a gross rental yield of approximately 3.3%. The median monthly mortgage repayment is $1,625.

Kialla is served by 2 schools, including 1 primary, 1 combined. The average ICSEA score is 1015, which is around the national average of 1,000. Public transport access includes 1 rail station, 25 bus stops. The crime rate in the Greater Shepparton LGA is higher than average at 14,737 incidents per 100,000 population.

On the investment side, Gross rental yield sits at around 3.3% (moderate yield). Property prices are near the state median ($740K/$850K). The price-to-income ratio of 7.1x is considered moderate. House prices have moved +10.4% year-on-year. Population growth of +0.6% 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 Yield3.3%· Moderate Yield
Price vs State$740K/$850K· Near Median
Affordability7.1x· Moderate
Price Momentum+10.4% Rising
Pop. Growth+0.6%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,625
Rent · wk(Census)$380
Market rent · wk(Sep 2025)$470
Gross yield2.7%
Price / income7.1x
Sales vol (latest Q)(2025-Q4)39
Population growth · Greater Shepparton LGAABS ERP
Population (2025)69,865
5-year growth+0.4% CAGR
YoY change+0.6%
20012025
Development · Greater Shepparton LGAABS Approvals
Approvals (2026)606
Houses 77%Units 23%
YoY change+0%
Employment · Greater Shepparton LGASALM
Unemployment (Dec-25)3.2%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 3631ATO
Negatively geared7.4%
691 of filers
Avg rental loss$7,649/yr
Landlords (rental income)1,313
Reported capital gains813
People & prosperity
DemographicsCensus 21
Population8,667
Median age38
Household size2.9
HH income · wk$1,998
Personal income · wk$846
Persons / bedroom0.8
IncomeATO 22-23
Median income$58,863
Mean income$68,987
Earners6,298
YoY change+5.1%
SEIFA indexABS
Advantage (IRSAD)7/10
Education (IEO)6/10
Economic (IER)8/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,679 → $1,998
Change+19%
vs VIC median-4.5 pp
Median rent+18.8%
stablevs VIC 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets1
Pharmacies1
GP / clinics0
Fuel stations5
Cafes & dining3
coles1
TransportGTFS
Rail stations1
Bus stops25
BP Service Station/8044 Goulburn Valley Hwy
Hospitals · Greater Shepparton LGAAIHW
Public2
Private1
Goulburn Valley Health [Shepparton]public
Goulburn Valley Health [Tatura]public
Shepparton Private Hospitalprivate
Aged care · Greater Shepparton LGAGEN
Facilities15
Residential places752
Maculata Place120 places
Mooroopna Place Residential Aged Care Service105 places
Mercy Place Shepparton96 places
Mercy Place Ave Maria91 places
Harmony Village Inc85 places
Banksia Lodge Residential Aged Care Service65 places · in suburb
+9 more in Greater Shepparton LGA
Childcare · Greater Shepparton LGAACECQA
Services65
Approved places3,941
Exceeding NQS6
Inspira Kids Early Learning Centre Archer Street154 places
Early Learning Victoria Shepparton130 places
Wyndham Early Learning128 places
Inspira Kids Early Learning Centre Shepparton122 places · in suburb
Community Kids Shepparton Early Education Centre114 places
Believe Early Learning Mooroopna110 places
+59 more in Greater Shepparton LGA
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Sources & freshness
Strong evidence

Kialla carries 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 · 2 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 · 26 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.

Kialla FAQ

Common questions
  1. What LGA is Kialla in?

    Kialla is in the Greater Shepparton Local Government Area, VIC, postcode 3631. Council-level context for Greater Shepparton LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Kialla?

    The current median house price in Kialla, VIC is $740K, 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 Kialla?

    The median weekly rent in Kialla is $470/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 Kialla?

    Income-stretched rent market: Weekly rent screens at about 42% 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 Kialla a good investment?

    QuickProperty's investment signals for Kialla 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 Kialla?

    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 Kialla 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.