VIC 3505 Census 2021 + Live DA Data

Merbein

At $300,000, Merbein's median house price sits well below the Victorian state median, making it one of the more affordable entry points along the Murray River corridor. The suburb of 2,770 residents spans 34.4 square kilometres in the Sunraysia region, with 89.8% separate-house stock and a household income at just the 21.6th percentile nationally. That affordability has a structural underpinning: employment participation is 47.8%, below average, and 11.1% of residents need daily assistance. What distinguishes Merbein is not rapid growth but stability, with 83.6% of residents staying put over the five-year period and house prices delivering a 5.6% CAGR over 14 years from a 2013 base of $140,500.

Merbein urban fabric map

Population

2,770

Median Age

44.0

Household IncomeiMedian weekly household income (ABS Census)

$1,147/wk

DAs (12 months)iDevelopment Applications lodged in the past year

2

Median House

$300K

Apr-Jun 2024

34.41 km²· 80.5 people/km²· Family income $1,477/wk

The median house price of $300,000 in the Apr-Jun 2024 quarter is significantly lower than Melbourne or regional Victoria averages, and monthly mortgage repayments average $1,025, giving a mortgage-to-income ratio of 20.6%, which is below the 30% stress threshold. Separate houses dominate at 89.8% of all dwellings, with three-bedroom homes the most common at 53.2% and four-plus bedroom homes at 23.1%. The price peak was $340,000 in Jan-Mar 2024, and the latest quarter sits 11.8% below that peak, suggesting buyers have a window before any recovery. Since 2013 the median has more than doubled from $140,500, a 113.5% total gain over 14 years. With 34.2% of dwellings owned outright and only 43.1% carrying a mortgage, the suburb carries relatively low debt compared to higher-growth markets.

For Buyers

The median house price of $300,000 in the Apr-Jun 2024 quarter is significantly lower than Melbourne or regional Victoria averages, and monthly mortgage repayments average $1,025, giving a mortgage-to-income ratio of 20.6%, which is below the 30% stress threshold. Separate houses dominate at 89.8% of all dwellings, with three-bedroom homes the most common at 53.2% and four-plus bedroom homes at 23.1%. The price peak was $340,000 in Jan-Mar 2024, and the latest quarter sits 11.8% below that peak, suggesting buyers have a window before any recovery. Since 2013 the median has more than doubled from $140,500, a 113.5% total gain over 14 years. With 34.2% of dwellings owned outright and only 43.1% carrying a mortgage, the suburb carries relatively low debt compared to higher-growth markets.

For Investors

The rental yield case is supported by a $210 weekly median rent against a $300,000 median purchase price, implying a gross yield around 3.6%, higher than most metropolitan Victorian suburbs. Rental penetration is 22.7% and vacancy runs at 9.8%, which is elevated compared to tight metro markets. Development activity is minimal with just 1 application in 12 months, meaning supply is not a near-term threat to rents. Net overseas migration averages 10 persons per year while internal migration averages minus 7, a broadly balanced position. Rent grew 37.5% over the decade while real incomes grew 27.0%, meaning rents have outpaced income growth. The IRSAD decile of 2 nationally indicates high relative disadvantage, which constrains rental pricing power but also signals that yields are supported by demand from lower-income households who cannot access ownership.

Development Activity

Total DAs

9

Last 12 Months

2

YoY ChangeiYear-over-year change in DA lodgements

-50.0%

Avg DA CostiAverage estimated cost per DA in the past year

N/A

Monthly DA Lodgements

DA Categories

Other
4
Subdivision
2

Schools in Merbein iICSEA: school advantage index. 1000 = national avg, higher = more advantaged

Our Lady of the Sacred Heart School

ICSEA 1006 Primary Catholic

Prep-6 · 153 students

Merbein P-10 College

ICSEA 944 Combined Government

Prep-10 · 644 students

Demographics

The median age of 44 is 4.0 years above the national figure, and the suburb is on an aging trajectory, with the senior share rising 4.6 points and the working-age share falling 1.1 points over the decade. By contrast, the overseas-born share at 6.9% sits 14.7 percentage points below the national average, reflecting a predominantly locally-born, Anglo-Celtic population: English ancestry accounts for 1,217 residents, followed by Scottish and Irish. University qualifications at 12.2% are 17.9 points below national, consistent with a trade and services workforce. Average household size of 2.3 is slightly below the national figure. The volunteering rate of 15.3% and the couples-with-children household structure (739 out of 1,986 families) suggest a community grounded in long-term residency rather than transient movement.

Age Distribution

0-14
18.8%
15-24
9.1%
25-44
22.3%
45-64
27.1%
65+
22.7%

Bedrooms

Studio/1br
5.4%
2 bed
18.3%
3 bed
53.2%
4+ bed
23.1%

Dwelling Structure

89.8%

Houses

5.9%

Townhouse

2.5%

Apartment

Tenure

Own 34.2% Mortgage 43.1% Rent 22.7%

The stock is overwhelmingly detached: 89.8% separate houses, 5.9% semi-detached and just 2.5% apartments. Three-bedroom dwellings account for 53.2% and four-plus bedrooms for 23.1%, giving the suburb a family-sized housing base. Ownership is strong, with 34.2% owning outright and 43.1% on a mortgage, while only 22.7% rent, lower than the national renter share. The median house price of $300,000 has grown 113.5% from the 2013 trough of $140,500, a 5.6% CAGR, which compares favourably to inflation but lags high-growth metro corridors. The peak of $340,000 in Jan-Mar 2024 and a subsequent pullback to $300,000 shows some price volatility over short periods. At the 21.6th household income percentile nationally, housing affordability is genuine: rent-to-income sits at 18.3% and mortgage-to-income at 20.6%, both below stress benchmarks.

Median House Price Trend

Source: State Valuer-General

Mortgage / mo

$1,025

Rent / wk

$210

HH Size

2.3

Personal Income / wk

$608

Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)

9.8%

Unoccupied

114

Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress

18.3%

Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress

20.6%

Community Profile

Ancestry

English
1,217
Scottish
278
Irish
269
Ancestry NS
261
German
156
Other
113

Household Composition

29.9%

Couples, no children

1,986

Total families

Economy & Employment

Healthcare is the dominant employer at 21.6% of the workforce (139 workers), followed by Education at 11.5% (74 workers) and Construction at 9.3% (60 workers). Agriculture employs 8.5% (55 workers), reflecting the Sunraysia irrigation district context. By occupation, Community and Personal Service Workers (162) and Labourers (160) are the two largest groups, consistent with the SEIFA IRSD decile 3 score nationally, indicating below-average socioeconomic resources. The unemployment rate is 5.6% and the participation rate is 47.8%, both reflecting the older age profile where 857 residents are not in the labour force. The IRSAD decile of 2 places Merbein among the more disadvantaged suburbs nationally, though the IER decile of 5 suggests moderate access to economic resources relative to population size.

Unemployment

1.3%

Labour Force

2,527

Unemployed

34

Quarterly Trend

Mar-24 Dec-25

Source: SALM Dec-25

Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)

Overall advantage
2
Disadvantage
3
Economic resources
5
Education & occupation
2

Full-time

61.0%

Part-time

33.4%

Participation

47.8%

Employed

1,012

Occupations

Community/Personal 162
Labourers 160
Professionals 133
Managers 128
Clerical/Admin 125
Sales 112
Machinery/Drivers 102

Top Industries

Healthcare 21.6%
Education 11.5%
Construction 9.3%
Agriculture 8.5%
Retail 7.0%

University

12.2%

Postgraduate

1.2%

Born Overseas

6.9%

Dwellings

1,050

Transport to Work

Car dependency is very high at 90.4% driving to work, compared to the national average, with only 0.3% using public transport, reflecting the rural-fringe location west of Mildura without rail connections. Cycling and walking account for 3.7% of commutes, above what many comparable rural towns record. No schools are recorded within the suburb boundary in this dataset. The crime rate of 83.8 per 1,000 residents is elevated, driven primarily by property and deception offences (108 incidents) and crimes against the person (60 incidents) from a total of 232 recorded offences. The IRSAD decile of 2 nationally indicates high relative disadvantage, meaning residents face above-average barriers to services and economic participation. Rent and mortgage stress are both below threshold at 18.3% and 20.6% respectively, so housing costs remain contained relative to local incomes despite the low income base.

Drive

90.4%

Public Transport

0.3%

Walk / Cycle

3.7%

Work from Home

N/A

Population Forecast

+0.24%/yr

(+12 people/yr)

Established

Population growth is slow at 0.24% per year (approximately 12 persons annually), with the medium forecast projecting the SA2 area population rising from 4,971 in 2025 to 5,029 by 2031. The 10-year population change of 7.2% is below the national average. Migration is balanced, with net overseas arrivals of 10 per year offset partly by a net internal outflow of 7 per year. The gentrification score of 53 puts the suburb in the Active stage under the shift model, with affordability improving from 37.5% in 2011 to 33.0% in 2021, which is a meaningful decline in housing cost burden. The aging trajectory is the dominant demographic shift, with the senior share gaining 4.6 points over the decade. Residential turnover is low at 16.4%, meaning the community is stable rather than in flux.

Historical + Forecast

Hamilton-Perry + Holt smoothing on ERP 2001-2025

Age Cohort Forecast

Primary Driver

Balanced

Net Overseas / yr

+10

Net Internal / yr

-7

0

Gentrification Signal

Not gentrifying

Safety & Crime

Total Offences

232

Year ending June 2024

Rate per 1,000 People

83.8

Offence Categories

Property and deception offences
108
Crimes against the person
60
Justice procedures offences
43
Public order and security offences
16

Source: Crime Statistics Agency Victoria / SA Police

National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs

How Merbein compares to ~15,000 Australian suburbs

Population
Top 18%
Household Income
Bottom 22%
Rent Level
Bottom 36%
Apartments
Bottom 40%
Renters
Top 44%
Uni Educated
Bottom 11%
Public Transport
Bottom 1%
Born Overseas
Bottom 14%
Density
Top 28%

Frequently Asked Questions

Is Merbein a good suburb to live in?

Merbein suits buyers and families prioritising affordability and stability. The median house price of $300,000 is well below state averages and mortgage-to-income sits at just 20.6%, below the 30% stress benchmark. The downside is a SEIFA IRSAD decile of 2, placing it among the more disadvantaged suburbs nationally, with limited public transport and a crime rate of 83.8 per 1,000 residents.

What is the median house price in Merbein?

The median house price is $300,000 (Apr-Jun 2024). It peaked at $340,000 in Jan-Mar 2024, a drop of 11.8% to the latest quarter. Since 2013, prices have risen 113.5% from $140,500, a 5.6% CAGR over 14 years. Weekly rent averages $210 and monthly mortgage repayments average $1,025.

What schools are in Merbein?

No schools are recorded inside the Merbein suburb boundary in this dataset. Families in Merbein typically access schools in nearby Mildura, approximately 10 km to the east. The local university qualification rate is 12.2%, which is 17.9 percentage points below the national average.

Is Merbein safe?

The recorded crime rate is 83.8 incidents per 1,000 residents, with 232 total offences in the reference period. Property and deception offences are the largest category at 108 incidents, followed by crimes against the person at 60. As context, the suburb scores IRSAD decile 2 nationally, indicating elevated disadvantage which is correlated with higher crime rates in comparable towns.

Is Merbein good for property investment?

The gross rental yield implied by $210 weekly rent against a $300,000 median is around 3.6%, higher than most Melbourne suburbs. Rent grew 37.5% over the decade, outpacing real income growth of 27.0%. Risks include a 9.8% vacancy rate, a low IRSAD decile of 2 constraining tenant income, and slow population growth of 0.24% per year.

How is Merbein's population changing?

Population growth is modest at 0.24% annually (roughly 12 persons per year). The SA2 area recorded 4,971 residents in 2025, growing 7.2% over 10 years, below the national rate. The medium forecast projects 5,029 residents by 2031. The main demographic shift is aging, with the senior share rising 4.6 points over the decade while the working-age share fell 1.1 points.

How to read these comparisons

Phrases like "above the national average" reference the unweighted median across Australian suburbs with more than 1,000 residents, not population-weighted national figures. Suburb-level medians are more useful for ranking suburbs against each other; ABS census headlines are population-weighted (so dominated by Sydney and Melbourne) and can read very differently.

Current baseline (refreshed 2026-05-10): median age 40, university-educated 30.1%, born overseas 21.6%, average household size 2.5 people.

Data sources: ABS 2021 Census (demographics, income, tenure), state Valuer-General (house prices), Department of Jobs SALM (unemployment), ACARA (school ICSEA), state Crime Statistics agencies (offences), council DA portals (development applications). Population forecasts use a Hamilton-Perry cohort model calibrated to ABS ERP.

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