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Suburb Insights · VIC 3950

Kardella South, VIC 3950 Property Profile

ABS 2021 Census · Updated 21 May 2026

Suburb Overview

Kardella South is a regional centre in Victoria, Australia, with a population of approximately 135, making it a boutique locality. Located approximately 107 km from the Melbourne CBD, Kardella South is a regional area in Victoria. The median household income is $97,500 per year.

Investment Score

42 / 100 Moderate

Strong household incomes in Kardella South underpin solid property demand. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.

Location

Melbourne
Kardella South
Victoria · 3950
107 km from Melbourne CBD
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Key Indicators

Postcode
3950

Official Australia Post postcode for Kardella South. A postcode may cover multiple suburbs.

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Population
135

Usual resident population at the most recent census.

Median weekly rent
$325/wk

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

Median household income
$97,500/yr

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

Distance to CBD
107 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.

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Parks & green spaces
1

Estimated 1 park and green spaces near this suburb.

Median monthly mortgage
$1,873/mo

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

Home type
92% houses

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

Investment Insight

Kardella South is a smaller community of 135 — about 2% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. At $97,500/year, household income in Kardella South is within 2% of the Victoria median ($95,160), placing the suburb firmly in the state's mainstream demographic band. Rent of $325/week (75% coverage of the $1,873/month median mortgage) leaves a gap of roughly $465/month that a typical investor bridges with negative gearing, depreciation and capital growth. Kardella South is 107 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.

Kardella South vs Victoria Median

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

MetricKardella SouthVIC medianΔ vs state
Population1357,416-98%
Median household income$97,500/yr$95,160/yr+2%
Median rent (weekly)$325$380-14%
Median mortgage (monthly)$1,873$1,950-4%
Distance to CBD107 km32 km+234%
Separate houses92%78%+14pp

Investor Checklist

Pre-inspection briefing for Kardella South — 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 135 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.

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Rental Yield

Moderate rental coverage: rent of $325/week covers 75% of a $1,873/month mortgage, leaving a $465/month gap that an investor bridges with equity, depreciation and tax benefits.

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Renovation / Flip

With 92% houses in a 135-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 Kardella South property

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30-year projections for Kardella South

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2026 Outlook

Growth: Low Rental Demand: Low Investor Sentiment: Low

Capital-growth expectations for Kardella South are modest for 2026 — incomes close to the VIC median of $95,160 and a population of 135 suggest gains will lag headline metro markets. Rental coverage runs at ~75% of the typical mortgage ($1,408/month rent vs $1,873/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 42/100 places Kardella South in the mid tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.

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Frequently Asked Questions

Is Kardella South a good suburb for investment?

Kardella South scores 42/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 135, median household income of $97,500/year and median weekly rent of $325. 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 Kardella South?

The main demand drivers in Kardella South are an above-state-median household income of $97,500/year, a dwelling mix that is 92% 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 Kardella South?

Kardella South has a usual resident population of approximately 135, 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 Kardella South from the Melbourne CBD?

Kardella South sits 107 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 Kardella South?

The most recent census recorded a median weekly rent of $325 in Kardella South, equating to approximately $16,900/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 Kardella South?

The median monthly mortgage repayment in Kardella South is $1,873, or approximately $22,476/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.

Is Kardella South cash-flow positive for investors?

A median weekly rent of $325 works out to $1,408/month, covering 75% of the median mortgage repayment of $1,873/month. That leaves a $465/month shortfall (around $5,580/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.

What are the main risks of investing in Kardella South?

The main risks are a thin buyer pool (135 residents), interest-rate sensitivity on the $1,873 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.

How we built this Kardella South 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.

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Victoria Property Resources