Free full calculator →
Suburb Insights · VIC 3920

Hmas Cerberus, VIC 3920 Property Profile

ABS 2021 Census · Updated 21 May 2026

Suburb Overview

Hmas Cerberus is a regional centre in Victoria, Australia, with a population of approximately 1,124, making it a boutique locality. Located approximately 66 km from the Melbourne CBD, Hmas Cerberus is a regional area in Victoria. The median household income is $120,796 per year.

Investment Score

51 / 100 Moderate

Hmas Cerberus benefits from a high-income resident base, supporting premium property pricing. Distance from major centres is a consideration, though regional markets can offer higher rental yields.

Location

Melbourne
Hmas Cerberus
Victoria · 3920
66 km from Melbourne CBD
View on Google Maps ↗

Key Indicators

Postcode
3920

Official Australia Post postcode for Hmas Cerberus. A postcode may cover multiple suburbs.

Australia Post Postcode Finder →
Population
1,124

Usual resident population at the most recent census.

Median weekly rent
$260/wk

Weekly median rent for occupied homes. Live rental data integration coming soon.

Median household income
$120,796/yr

Annual median household income (before tax) across all households.

Distance to CBD
66 km

Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.

Lifestyle & Amenities

Schools nearby
1

Estimated 1 school within or near this suburb.

Find schools near Hmas Cerberus on My School →
Parks & green spaces
1

Estimated 1 park and green spaces near this suburb.

Median monthly mortgage
N/A

Monthly median mortgage repayment for households currently paying off a mortgage.

Home type
94% houses

Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.

Investment Insight

Hmas Cerberus is a smaller community of 1,124 — about 15% 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 $120,796/year runs 27% 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. The median weekly rent of $260 translates to approximately $13,520/year in gross rental income, setting the upper bound on yield before vacancy, rates, insurance and maintenance. Hmas Cerberus is 66 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 94% of dwellings — 16 percentage points above the Victoria median of 78% — pointing to a family-oriented, land-rich market where value is concentrated in the underlying block.

Hmas Cerberus vs Victoria Median

How Hmas Cerberus stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Hmas Cerberus sits above the state median; negative means below.

MetricHmas CerberusVIC medianΔ vs state
Population1,1247,416-85%
Median household income$120,796/yr$95,160/yr+27%
Median rent (weekly)$260$380-32%
Distance to CBD66 km32 km+106%
Separate houses94%78%+16pp

Investor Checklist

Pre-inspection briefing for Hmas Cerberus — every item is derived from public datasets, with full citations in our data sources page.

Investment Strategy

Buy & Hold

Limited buy-and-hold upside: a small population of 1,124 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.

⚠️
Rental Yield

Gross rent of $260/week (~$13,520/year) sets the yield ceiling. Cross-check against your purchase price to confirm whether this suburb hits the 4–5% gross yield most Australian investors target.

⚠️
Renovation / Flip

With 94% houses in a 1,124-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.

Risk Factors

Run the numbers on a Hmas Cerberus property

Full Property Analysis

30-year projections for Hmas Cerberus

Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.

Create free account →
Or jump straight to a calculator: Loan Serviceability First Home Buyer Grants

2026 Outlook

Growth: Low Rental Demand: Low Investor Sentiment: Moderate

Capital-growth expectations for Hmas Cerberus are modest for 2026 — incomes 27% above the VIC median of $95,160 and a population of 1,124 suggest gains will lag headline metro markets. Rents sit around $260/week, setting the baseline gross rental income at roughly $13,520/year — refine this against current listings before running your numbers. The EquitySight investment score of 51/100 places Hmas Cerberus in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.

Share your experience of Hmas Cerberus

Lived in Hmas Cerberus? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.

Frequently Asked Questions

Is Hmas Cerberus a good suburb for investment?

Hmas Cerberus scores 51/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 1,124, median household income of $120,796/year and median weekly rent of $260. 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.

What drives property demand in Hmas Cerberus?

The main demand drivers in Hmas Cerberus are an above-state-median household income of $120,796/year, a dwelling mix that is 94% 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.

What is the population of Hmas Cerberus?

Hmas Cerberus has a usual resident population of approximately 1,124, 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.

How far is Hmas Cerberus from the Melbourne CBD?

Hmas Cerberus sits 66 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.

What is the median rent in Hmas Cerberus?

The most recent census recorded a median weekly rent of $260 in Hmas Cerberus, equating to approximately $13,520/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.

What is the typical mortgage repayment in Hmas Cerberus?

A reliable median mortgage figure was not captured for Hmas Cerberus. Use our loan serviceability calculator to estimate a realistic monthly repayment for your target purchase price and deposit.

Is Hmas Cerberus cash-flow positive for investors?

Census data was not complete enough in Hmas Cerberus 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.

What are the main risks of investing in Hmas Cerberus?

The main risks are a thin buyer pool (1,124 residents), interest-rate sensitivity, the broader Victoria market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.

How we built this Hmas Cerberus profile

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.

Nearby Suburbs

Victoria Property Resources