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Suburb profile ·Mornington Peninsula LGA · VIC ·3941

St Andrews Beach VIC 3941

St Andrews Beach is in Mornington Peninsula LGA, VIC, postcode 3941, with population 974.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$1.5M
+1.0% YoY
2014 → 2024 · 11 periods
ABS + state medians
$1.7M
$495K
2014 2024
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.5M
House median, latest period
1.0%YoY D9 vs AU
Median rent
$360/wk
Market rent signal
D8 vs AU
Gross yield
1.2%
Low yield band
D2 vs AU
Population
974
974 local footprint
D8 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
2,632
151 added 12mo · 16MW

Price history

Rental vacancy rate

Rental vacancy rate · Greater Melbourne
2.5%
Balanced market

Official vacancy is published at the Greater Melbourne 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-$1,247/wk (-$64,859/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage+16% vs suburbs of similar SEIFA advantage (decile 10)

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

Dgrade · 20/100 · top 80% of 3,604AU suburbs
Peer distributionstronger than 20% of AU suburbs
WeakerTypicalStronger
Capital growth58
Rental yield3
Stability42
Volatility-16.0ppCycle+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 St Andrews Beach

Owner-occupied 88%Rented 12%
Investor activityATO
Negatively geared5.6%
435 of 1,045 landlords
Avg rental loss$9,987/yr
Landlords (rental income)1,045
Reported capital gains796
Investor exposure index(moderate vs national)53.2/100
The read

Owner-occupier stronghold

87% of homes here are owner-occupied and 11% rented, with 6% of landlords negatively geared.

Why it fits

87% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.2% 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

90%
of household income to service a new loan
20.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $7,551/mo vs median rent $1,560/mo (+384% · +$1382/wk)

If rates move

At 4.2%: $6,029/mo (-1,522) · at 6.2% (current): $7,551/mo · at 8.2%: $9,218/mo (+1,668)

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
15.3x
median home price as a multiple of annual household income
Stretched
Renting
19%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,000/mo, while renters pay about $1,560/mo — owning runs $440/mo higher on these medians.

Median price
$1.54M
Household income · yr
$100K
Median rent · wk
$360
Owner mortgage · mo
$2,000
Gross yield
1.2%

Household income

$100K household · yr+22% vs VIC suburb median
Personal
$45K
Family
$117K
Household
$100K
Household income distribution (ABS Census 2021 · weekly)fewer than 14% could service the median house
Under $300
8
$300-649
36
$650-999
34
$1,000-1,499
47
$1,500-1,999
38
$2,000-2,999
64
$3,000-3,999
37
$4,000+
42

Serviceability line: a household needs about $5,808/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 33% of households here would spend more than 30% of income on rent (rent stress line: $1,200/wk income).

Housing stock and tenure

Tenure (343 households)
Owned outright
37%
Owned with mortgage
50%
Rented
11%
Dwelling structure44.7% of dwellings unoccupied on census night
Separate house
99%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 66% drive, 1% public transport, 1% walk or cycle, 31% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

7/ 100 livability index

Top 93% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 7% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (7 stops)27
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
11,588
6,718 per 100k
D8 vs AU

Crime

Rate · per 100k6,718
Total incidents11,588· Year ending Mar 2026
  • Assault98642%
  • Sexual Offences32114%
  • Robbery432%
  • Break And Enter1,00543%

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 100.0% 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

No mapped flood exposure

About 0.0% 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

Designated ~100.0%
~100.0% 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

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

97
active listings · ~99.6 per 1,000 residents
99%
entire homes (vs private rooms)
46%
run by multi-listing operators
Investment view Estimated
$454
median nightly (entire home)
12%
estimated occupancy
$19,544
estimated annual revenue (gross)

Estimated short-let income is 1.0× the $18,720/yr a long-term let would earn at the median rent — before management fees, cleaning, vacancy beyond the occupancy model, and short-stay regulation.

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)
Residential 60% Public / Open space 40%
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 · Mornington Peninsula LGA

Dwellings
+11.7%
93,600 → 104,550
+10,950 dwellings
Population
+10.1%
170,390 → 187,540
Households
+14.5%
71,000 → 81,300

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

Population outlook

19,933 people · 202221,404 by 2032 (+7.4%)

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

Full data detail Census · ATO · ABS · state datasets
St Andrews Beach VIC — Property Data and Demographics

St Andrews Beach (postcode 3941) is a small community in Victoria within the Mornington Peninsula local government area. With a population of 974, the suburb has an established family demographic with a median age of 44. Households earn a median income of $100K per year, with an average household size of 2.6 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.8% 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, technicians & trades, managers. Employment in the area leans toward construction and professional services. The top ancestries reported are English, Australian, Irish.

The median house price in St Andrews Beach is $1.5 million, having edged higher by 1% over the past year. The median weekly rent is $360 (Census 2021). This gives a gross rental yield of approximately 1.2%. The median monthly mortgage repayment is $2,000.

Public transport access includes 7 bus stops. The crime rate in the Mornington Peninsula LGA is moderate at 6,718 incidents per 100,000 population.

From an investment perspective, The gross rental yield works out to roughly 1.2%, which reads as low yield. Property prices are above the state median ($1.5M/$850K), placing it in the premium segment. The price-to-income ratio of 15.3x is considered stretched. House prices have moved +1.0% year-on-year. Population growth of +0.8% 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 Yield1.2% Low Yield
Price vs State$1.5M/$850K Above Median
Affordability15.3x Stretched
Price Momentum+1.0%· Stable
Pop. Growth+0.8%· Stable
Development+0%· Steady
InvestmentVIC
Mortgage · mth$2,000
Rent · wk(Census)$360
Gross yield1.2%
Price / income15.3x
Sales vol (latest Q)(2025-Q4)7
Population growth · Mornington Peninsula LGAABS ERP
Population (2025)172,217
5-year growth+0.2% CAGR
YoY change+0.8%
20012025
Development · Mornington Peninsula LGAABS Approvals
Approvals (2026)742
Houses 61%Units 39%
YoY change+0%
Employment · Mornington Peninsula LGASALM
Unemployment (Dec-25)3.4%
YoY change-0.3pp
Dec-10Dec-25
Property investors · Postcode 3941ATO
Negatively geared5.6%
435 of filers
Avg rental loss$9,987/yr
Landlords (rental income)1,045
Reported capital gains796
People & prosperity
DemographicsCensus 21
Population974
Median age44
Household size2.6
HH income · wk$1,931
Personal income · wk$871
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)9/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,652 → $1,931
Change+16.9%
vs VIC median-6.6 pp
Median rent+22.4%
softeningvs VIC 2016–21
Area & amenity
TransportGTFS
Bus stops7
Hospitals · Mornington Peninsula LGAAIHW
Public2
Private2
Rosebud Hospitalpublic
The Mornington Centrepublic
Beleura Private Hospitalprivate
The Bays Hospitalprivate
Aged care · Mornington Peninsula LGAGEN
Facilities26
Residential places2,568
Bentons Lodge - Residential Aged Service170 places
Regis Capel Sound170 places
Mt Eliza Gardens Aged Care150 places
Mornington Bay Care Community140 places
Somerville Gardens Care Community130 places
Racecourse Grange Residential Care129 places
+20 more in Mornington Peninsula LGA
Childcare · Mornington Peninsula LGAACECQA
Services110
Approved places6,704
Exceeding NQS31
Explorers Early Learning - Mornington153 places
Toorak College Preschool132 places
Westernport Child Care Centre130 places
Pelican Childcare Mount Martha124 places
Mt Eliza House Child Care and Early Learning Centre123 places
Story House Early Learning Mornington122 places
+104 more in Mornington Peninsula LGA
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Sources & freshness
Strong evidence

St Andrews Beach 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 falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

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
ABS Census 2021 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
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 · 7 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.

St Andrews Beach FAQ

Common questions
  1. What LGA is St Andrews Beach in?

    St Andrews Beach is in the Mornington Peninsula Local Government Area, VIC, postcode 3941. Council-level context for Mornington Peninsula LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in St Andrews Beach?

    The current median house price in St Andrews Beach, VIC is $1.5M, 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 St Andrews Beach?

    The median weekly rent in St Andrews Beach is $360/wk, based on ABS Census 2021 rent fallback.

  4. Is St Andrews Beach a good investment?

    QuickProperty's investment signals for St Andrews Beach show: Low Yield, Above Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  5. Where does QuickProperty get its data for St Andrews Beach?

    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 St Andrews Beach 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.