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ABS 2021 Census · Updated 21 May 2026
McLoughlins Beach is a regional centre in Victoria, Australia, with a population of approximately 121, making it a boutique locality. Located approximately 190 km from the Melbourne CBD, McLoughlins Beach is a regional area in Victoria. The median household income is $41,184 per year.
Lower income levels in McLoughlins Beach typically translate to more affordable entry points for investors. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for McLoughlins Beach. 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 McLoughlins Beach 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.
McLoughlins Beach is a smaller community of 121 — about 2% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. McLoughlins Beach's median household income of $41,184/year is 57% 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 $215 equates to $932/month — about 155% of the median mortgage repayment of $601/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. McLoughlins Beach is 190 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 40% of dwellings are separate houses (vs 78% state median), so this is a unit-heavy market where body-corporate decisions and strata supply meaningfully shape investor returns.
How McLoughlins Beach stacks up against the median of all Victoria suburbs in our dataset. Positive values mean McLoughlins Beach sits above the state median; negative means below.
| Metric | McLoughlins Beach | VIC median | Δ vs state |
|---|---|---|---|
| Population | 121 | 7,416 | -98% |
| Median household income | $41,184/yr | $95,160/yr | -57% |
| Median rent (weekly) | $215 | $380 | -43% |
| Median mortgage (monthly) | $601 | $1,950 | -69% |
| Distance to CBD | 190 km | 32 km | +494% |
| Separate houses | 40% | 78% | -38pp |
Pre-inspection briefing for McLoughlins Beach — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 121 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Strong rental coverage: $215/week (~$932/month) covers 155% of the $601/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.
Only 40% of dwellings are separate houses (vs 78% VIC median) — this is a unit and townhouse market, where cosmetic flips struggle against body-corporate restrictions, thinner after-reno uplift and competing new supply.
Run the numbers on a McLoughlins Beach property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for McLoughlins Beach are modest for 2026 — incomes 57% below the VIC median of $95,160 and a population of 121 suggest gains will lag headline metro markets. Rental coverage runs at ~155% of the typical mortgage ($932/month rent vs $601/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 28/100 places McLoughlins Beach 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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McLoughlins Beach scores 28/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 121, median household income of $41,184/year and median weekly rent of $215. 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 McLoughlins Beach are a median household income of $41,184/year, a dwelling mix that is 40% 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.
McLoughlins Beach has a usual resident population of approximately 121, 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.
McLoughlins Beach sits 190 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 $215 in McLoughlins Beach, equating to approximately $11,180/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 McLoughlins Beach is $601, or approximately $7,212/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 $215 works out to $932/month, covering 155% of the median mortgage repayment of $601/month. That means rent exceeds the median repayment by roughly $331/month, so on these numbers McLoughlins Beach 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 (121 residents), interest-rate sensitivity on the $601 median mortgage, below-median household incomes ($41,184 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.