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ABS 2021 Census · Updated 21 May 2026
Bell Post Hill is a coastal suburb in Victoria, Australia, with a population of approximately 5,083, making it a smaller community. Located approximately 64 km from the Melbourne CBD, Bell Post Hill is a coastal area in Victoria. The median household income is $71,136 per year.
Bell Post Hill's income profile suggests a value-oriented market with competitive purchase prices. Seaside positioning attracts both owner-occupiers and holiday rental demand.
Official Australia Post postcode for Bell Post Hill. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Bell Post Hill on My School →Estimated 2 parks and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Bell Post Hill is a smaller community of 5,083 — about 69% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Bell Post Hill's median household income of $71,136/year is 25% below the Victoria suburb median ($95,160) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Median weekly rent of $350 equates to $1,517/month — about 95% of the median mortgage repayment of $1,600/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Bell Post Hill is 64 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. Local rents consume roughly 26% of household income — a useful sanity check on tenant affordability.
How Bell Post Hill stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Bell Post Hill sits above the state median; negative means below.
| Metric | Bell Post Hill | VIC median | Δ vs state |
|---|---|---|---|
| Population | 5,083 | 7,416 | -31% |
| Median household income | $71,136/yr | $95,160/yr | -25% |
| Median rent (weekly) | $350 | $380 | -8% |
| Median mortgage (monthly) | $1,600 | $1,950 | -18% |
| Distance to CBD | 64 km | 32 km | +100% |
| Separate houses | 87% | 78% | +9pp |
Pre-inspection briefing for Bell Post Hill — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 25% below the VIC median ($71,136 vs $95,160) means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Strong rental coverage: $350/week (~$1,517/month) covers 95% of the $1,600/month median mortgage repayment, so the shortfall sits at just $83/month. Investors targeting positive cash flow should shortlist this suburb.
With 87% houses in a 5,083-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Run the numbers on a Bell Post Hill property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Bell Post Hill are modest for 2026 — incomes 25% below the VIC median of $95,160 suggest gains will lag headline metro markets. Rental coverage runs at ~95% of the typical mortgage ($1,517/month rent vs $1,600/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 50/100 places Bell Post Hill in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Bell Post Hill scores 50/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 5,083, median household income of $71,136/year and median weekly rent of $350. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Bell Post Hill are a median household income of $71,136/year, a dwelling mix that is 87% separate houses, roughly 1 schools and 2 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Bell Post Hill has a usual resident population of approximately 5,083, compared with a Victoria suburb median of 7,416 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
Bell Post Hill sits 64 km straight-line from the Melbourne CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
The most recent census recorded a median weekly rent of $350 in Bell Post Hill, equating to approximately $18,200/year in gross rental income (state median $380/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
The median monthly mortgage repayment in Bell Post Hill is $1,600, or approximately $19,200/year (vs $1,950/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
A median weekly rent of $350 works out to $1,517/month, covering 95% of the median mortgage repayment of $1,600/month. That leaves a $83/month shortfall (around $996/year before tax benefits), so a typical owner-occupier-priced property here is negatively geared. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
The main risks are interest-rate sensitivity on the $1,600 median mortgage, below-median household incomes ($71,136 vs $95,160 state median), the broader Victoria market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.