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ABS 2021 Census · Updated 21 May 2026
Gellibrand Lower is a regional centre in Victoria, Australia, with a population of approximately 19, making it a boutique locality. Located approximately 182 km from the Melbourne CBD, Gellibrand Lower is a regional area in Victoria. The median household income is $46,800 per year.
Lower income levels in Gellibrand Lower typically translate to more affordable entry points for investors. As a regional location, growth prospects depend on local economic conditions and infrastructure investment.
Official Australia Post postcode for Gellibrand Lower. 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 Gellibrand Lower 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.
Gellibrand Lower is a smaller community of 19 — about 0% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Gellibrand Lower's median household income of $46,800/year is 51% 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 $438 equates to $1,898/month — about 190% of the median mortgage repayment of $997/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Gellibrand Lower is 182 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 115% of dwellings — 37 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 Gellibrand Lower stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Gellibrand Lower sits above the state median; negative means below.
| Metric | Gellibrand Lower | VIC median | Δ vs state |
|---|---|---|---|
| Population | 19 | 7,416 | -100% |
| Median household income | $46,800/yr | $95,160/yr | -51% |
| Median rent (weekly) | $438 | $380 | +15% |
| Median mortgage (monthly) | $997 | $1,950 | -49% |
| Distance to CBD | 182 km | 32 km | +469% |
| Separate houses | 115% | 78% | +37pp |
Pre-inspection briefing for Gellibrand Lower — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 19 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Strong rental coverage: $438/week (~$1,898/month) covers 190% of the $997/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.
With 115% houses in a 19-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 Gellibrand Lower property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Gellibrand Lower are modest for 2026 — incomes 51% below the VIC median of $95,160 and a population of 19 suggest gains will lag headline metro markets. Rental coverage runs at ~190% of the typical mortgage ($1,898/month rent vs $997/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 30/100 places Gellibrand Lower in the lower tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Gellibrand Lower scores 30/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 19, median household income of $46,800/year and median weekly rent of $438. 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 Gellibrand Lower are a median household income of $46,800/year, a dwelling mix that is 115% 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.
Gellibrand Lower has a usual resident population of approximately 19, 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.
Gellibrand Lower sits 182 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 $438 in Gellibrand Lower, equating to approximately $22,776/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 Gellibrand Lower is $997, or approximately $11,964/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 $438 works out to $1,898/month, covering 190% of the median mortgage repayment of $997/month. That means rent exceeds the median repayment by roughly $901/month, so on these numbers Gellibrand Lower leans cash-flow-positive before accounting for strata, council rates, insurance and maintenance. 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 a thin buyer pool (19 residents), interest-rate sensitivity on the $997 median mortgage, below-median household incomes ($46,800 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.