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Suburb profile ·Moorabool LGA · VIC ·3340

Maddingley VIC 3340

Maddingley is in Moorabool LGA, VIC, postcode 3340, with population 5,491.

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.

$590K
-4.8% YoY
2014 → 2025 · 12 periods
ABS + state medians
$633K
$320K
2014 2025
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

Median house
$590K
House median, latest period
4.8%YoY D3 vs AU
Median rent
$480/wk
Rent-led investor candidate
D10 vs AU
Gross yield
4.2%
Moderate yield band
D10 vs AU
Population
5,491
5K local footprint
D10 vs AU
Schools
No matched school data
Drive to city
58 min
60.2 km to Melbourne CBD · free-flow
Solar
4,074
288 added 12mo · 26MW

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-$203/wk (-$10,544/yr) · interest-only @ 6.2%, 80% LVR
Value vs advantage-15% vs suburbs of similar SEIFA advantage (decile 5)

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 · 56/100 · top 44% of 3,605AU suburbs
Peer distributionstronger than 56% of AU suburbs
WeakerTypicalStronger
Capital growth22
Rental yield60
Stability100
Volatility-6.3ppCycle+2.0

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 Maddingley

Owner-occupied 76%Rented 24%
Investor activityATO
Negatively geared7.1%
1,109 of 1,781 landlords
Avg rental loss$7,199/yr
Landlords (rental income)1,781
Reported capital gains893
The read

Owner-occupier stronghold

74% of homes here are owner-occupied and 24% rented, with 7% 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

34%
of household income to service a new loan
7.9 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,830/mo vs median rent $2,080/mo (+36% · +$173/wk)

If rates move

At 4.0%: $2,253/mo (-576) · at 6.0% (current): $2,830/mo · at 8.0%: $3,463/mo (+633)

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
5.9x
median home price as a multiple of annual household income
Affordable
Renting
25%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,766/mo, while renters pay about $2,080/mo — renting runs $314/mo higher on these medians.

Median price
$590K
Household income · yr
$100K
Median rent · wk
$480
Owner mortgage · mo
$1,766
Gross yield
4.2%

Household income

$100K household · yr+21.5% vs VIC suburb median
Personal
$47K
Family
$112K
Household
$100K
Household income distribution (ABS Census 2021 · weekly)42% could service the median house
Under $300
60
$300-649
189
$650-999
167
$1,000-1,499
292
$1,500-1,999
244
$2,000-2,999
476
$3,000-3,999
241
$4,000+
157

Serviceability line: a household needs about $2,177/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 41% of households here would spend more than 30% of income on rent (rent stress line: $1,600/wk income).

Housing stock and tenure

Tenure (1,925 households)2.6% social housing
Owned outright
19%
Owned with mortgage
55%
Rented
24%
Dwelling structure3.7% of dwellings unoccupied on census night
Separate house
92%
Townhouse / semi
8%
Flat / apartment
0%

Getting to work: 71% drive, 3% public transport, 2% walk or cycle, 22% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

28/ 100 livability index

Top 72% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 28% of Australian suburbs
WeakerTypicalStronger
Everyday access36
Public transport (23 stops)59
Schools & hospitals0

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
3,436
8,361 per 100k
D9 vs AU

Crime

Rate · per 100k8,361
Total incidents3,436· Year ending Mar 2026
  • Assault30650%
  • Sexual Offences8013%
  • Robbery71%
  • Break And Enter21435%

Bushfire-prone area

Partly designated ~87.8%
~87.8% 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

Low exposure ~8.3%
~8.3% 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 43% Other 23% Residential 14% Industrial 10% Public / Open space 9% Commercial / Mixed 1%
Residential density: Standard · 1% 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 · Moorabool LGA

Dwellings
+51.3%
15,470 → 23,400
+7,930 dwellings
Population
+49.8%
37,890 → 56,750
Households
+55.8%
14,470 → 22,540

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

Population outlook

25,615 people · 202235,614 by 2032 (+39.0%)

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

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

Maddingley (postcode 3340) is a moderately sized suburb in Victoria within the Moorabool local government area. With a population of 5,491, the suburb has a blend of families and working-age professionals with a median age of 33. Households earn a median income of $100K per year, with an average household size of 2.7 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +1.9% 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 professionals, technicians & trades, clerical & administrative. Employment in the area leans toward construction and healthcare. The top ancestries reported are Australian, English, Scottish.

The median house price in Maddingley is $590,000, having declined by 4.8% over the past year. The current median weekly rent is $480. This gives a gross rental yield of approximately 4.2%. The median monthly mortgage repayment is $1,766.

Public transport access includes 5 rail stations, 18 bus stops. The crime rate in the Moorabool LGA is higher than average at 8,361 incidents per 100,000 population.

Looking at the investment signals, Maddingley shows a gross rental yield of approximately 4.2%, rated as moderate yield. Property prices sit below the state median ($590K/$850K), which can point to relative value. The price-to-income ratio of 5.9x is considered affordable. House prices have moved -4.8% year-on-year. Population growth of +1.9% 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 Yield4.2%· Moderate Yield
Price vs State$590K/$850K Below Median
Affordability5.9x Affordable
Price Momentum-4.8% Falling
Pop. Growth+1.9%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$1,766
Rent · wk(Census)$366
Market rent · wk(Sep 2025)$480
Gross yield3.2%
Price / income5.9x
Population growth · Moorabool LGAABS ERP
Population (2025)40,472
5-year growth+1.8% CAGR
YoY change+1.9%
20012025
Development · Moorabool LGAABS Approvals
Approvals (2026)265
Houses 74%Units 26%
YoY change+0%
Employment · Moorabool LGASALM
Unemployment (Dec-25)3.7%
YoY change+0.4pp
Dec-10Dec-25
Property investors · Postcode 3340ATO
Negatively geared7.1%
1,109 of filers
Avg rental loss$7,199/yr
Landlords (rental income)1,781
Reported capital gains893
People & prosperity
DemographicsCensus 21
Population5,491
Median age33
Household size2.7
HH income · wk$1,923
Personal income · wk$895
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)6/10
Economic (IER)6/10
Disadvantage (IRSD)6/10
Income momentumCensus 16→21
HH income · wk$1,407 → $1,923
Change+36.7%
vs VIC median+13.2 pp
Median rent+22%
gentrifyingvs VIC 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics1
Fuel stations1
Cafes & dining1
TransportGTFS
Rail stations5
Bus stops18
Bacchus Marsh Station
Bacchus Marsh Station/Station St
Hospitals · Moorabool LGAAIHW
Public1
Private1
Djerriwarrh Health Service [Bacchus Marsh]public
Ballan District Health & Careprivate
Aged care · Moorabool LGAGEN
Facilities4
Residential places324
mecwacare Susan Barton House144 places
Villa Maria Catholic Homes Providence Aged Care Residence99 places · in suburb
mecwacare Ballan Aged Care Facility51 places
Grant Lodge Aged Care Facility30 places
Childcare · Moorabool LGAACECQA
Services34
Approved places2,572
Exceeding NQS2
YMCA Ballarat - Bacchus Marsh Grammar180 places · in suburb
AMIGA Montessori Maddingley132 places · in suburb
West Maddingley Early Years Hub132 places · in suburb
Journey Early Learning Centre - Bacchus Marsh122 places
Eden Academy Maddingley110 places · in suburb
Maddingley Montessori Centre110 places · in suburb
+28 more in Moorabool LGA
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Sources & freshness
Strong evidence

Maddingley 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 · 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 · 23 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.

Maddingley FAQ

Common questions
  1. What LGA is Maddingley in?

    Maddingley is in the Moorabool Local Government Area, VIC, postcode 3340. Council-level context for Moorabool LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Maddingley?

    The current median house price in Maddingley, VIC is $590K, 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 Maddingley?

    The median weekly rent in Maddingley is $480/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Maddingley?

    Rent-led investor candidate: Gross rent yield screens at about 4.2%. 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 Maddingley a good investment?

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

  6. Where does QuickProperty get its data for Maddingley?

    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 Maddingley 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.