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ABS 2021 Census · Updated 21 May 2026
Cargerie is a regional centre in Victoria, Australia, with a population of approximately 38, making it a boutique locality. Located approximately 89 km from the Melbourne CBD, Cargerie is a regional area in Victoria. The median household income is $110,500 per year.
Cargerie benefits from a high-income resident base, supporting premium property pricing. As a regional location, growth prospects depend on local economic conditions and infrastructure investment.
Official Australia Post postcode for Cargerie. 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 Cargerie on My School →Estimated 1 park 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.
Cargerie is a smaller community of 38 — about 1% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $110,500/year runs 16% above the Victoria suburb median of $95,160, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Cargerie is 89 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 100% of dwellings — 22 percentage points above the Victoria median of 78% — pointing to a family-oriented, land-rich market where value is concentrated in the underlying block.
How Cargerie stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Cargerie sits above the state median; negative means below.
| Metric | Cargerie | VIC median | Δ vs state |
|---|---|---|---|
| Population | 38 | 7,416 | -99% |
| Median household income | $110,500/yr | $95,160/yr | +16% |
| Median mortgage (monthly) | $1,984 | $1,950 | +2% |
| Distance to CBD | 89 km | 32 km | +178% |
| Separate houses | 100% | 78% | +22pp |
Pre-inspection briefing for Cargerie — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 38 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Median rental data was not captured for Cargerie. Use current realestate.com.au and Domain listings to triangulate a realistic weekly rent before committing, then feed that number into our rental yield calculator.
With 100% houses in a 38-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 Cargerie property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Cargerie are modest for 2026 — incomes 16% above the VIC median of $95,160 and a population of 38 suggest gains will lag headline metro markets. Rental fundamentals will need to be verified against live listings, as a clean median rent was not recorded for Cargerie. The EquitySight investment score of 50/100 places Cargerie in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
Lived in Cargerie? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
Cargerie scores 50/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 38, median household income of $110,500/year. 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 Cargerie are an above-state-median household income of $110,500/year, a dwelling mix that is 100% separate houses, roughly 1 schools and 1 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.
Cargerie has a usual resident population of approximately 38, 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.
Cargerie sits 89 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.
A reliable median rent was not captured for Cargerie. Benchmark expected weekly rent on realestate.com.au and Domain, or the state rental tribunal's rent dashboard. Most Australian investors target a 4–5% gross yield as a baseline.
The median monthly mortgage repayment in Cargerie is $1,984, or approximately $23,808/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.
Census data was not complete enough in Cargerie to compute a clean rent-to-mortgage coverage. Use current listings to benchmark weekly rent, then plug your expected purchase price into our rental yield calculator to see whether the investment runs cash-flow positive or negative.
The main risks are a thin buyer pool (38 residents), interest-rate sensitivity on the $1,984 median mortgage, 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.