Suburb Overview
Seaford is an outer-metropolitan suburb of Melbourne, Australia, with a population of approximately 17,215, making it a smaller community. Located approximately 36 km from the Melbourne CBD, Seaford is a outer metro area in Victoria. The median household income is $78,000 per year.
Location
Key Indicators
Postcode
3198
Postcode for Seaford, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
17,215
Usual resident population at the most recent census.
Median weekly rent
$351/wk
Median weekly rent recorded at the 2021 Census — market rents have risen since, so treat this as a dated baseline, not a current figure.
Median household income
$78,000
Annual median household income (before tax) across all households.
Distance to CBD
36 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Sale prices & yield
Median house price
$815,000
Median house sale price — as at 2025 (preliminary), Valuer-General Victoria (CC BY 4.0).
Median unit price
$620,000
Median unit sale price — as at 2025 (preliminary), Valuer-General Victoria (CC BY 4.0).
Housing
Median monthly mortgage
$1,850/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
68% houses
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Why People Like Living in Seaford
- Family-friendly fringe location — around 36 km from Melbourne.
- Several schools in the area (around 4), attractive for families.
- Good green-space access with around 7 parks and reserves nearby.
- Reasonable transport access — car-friendly with some public transport options.
- Newer estates with modern homes and family-sized blocks.
Who Seaford Suits
Pros and Cons
Pros
- Rent sits within an affordable share of local incomes, supporting tenant demand.
- Mortgage costs are lower than the Victoria median, improving cash-flow margins.
- Access to several schools nearby (around 4).
- Local parks and reserves (around 7) add to liveability.
- Solid transport links into employment hubs.
Cons
- Long distance to the CBD (36 km) — plan for commute time or local employment.
- Traffic can build during peak hours, especially on arterial roads.
Investment Insight
With 17,215 residents, Seaford is one of Victoria's more populous suburbs — roughly 2.3× the state median of 7,416 — giving it a deep buyer and tenant pool that typically supports higher transaction volumes and shorter average days on market. Household income of $78,000/year is 18% below the Victoria median of $95,160, typically translating into lower entry prices and a tenant base more sensitive to rent increases. At the 2021 Census, rent of $351/week covered 82% of the $1,850/month median mortgage recorded at the same Census, leaving a gap of roughly $329/month at the time. Rents and repayments have both risen since — re-run the numbers with current figures before drawing conclusions. At 36 km from Melbourne, Seaford is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
Investment Tip
Outer-metro suburbs reward careful property selection — aim for homes near infrastructure rather than generic house-and-land packages. At the 2021 Census, local rents consumed roughly 23% of household income — a dated but useful sanity check on tenant affordability.
Seaford vs Victoria Median
How Seaford stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Seaford sits above the state median; negative means below.
| Metric | Seaford | VIC median | Δ vs state |
|---|---|---|---|
| Population | 17,215 | 7,416 | +132% |
| Median household income | $78,000/yr | $95,160/yr | -18% |
| Median rent (weekly, 2021 Census) | $351 | $380 | -8% |
| Median mortgage (monthly, 2021 Census) | $1,850 | $1,950 | -5% |
| Distance to CBD | 36 km | 32 km | +13% |
| Separate houses | 68% | 78% | -10pp |
Investor Checklist
Pre-inspection briefing for Seaford — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 17,215 residents — 232% of the VIC suburb median (7,416).
- Purchasing power: median household income $78,000/year (-18% vs Victoria suburb median of $95,160).
- Cash-flow coverage (2021 Census): $351/week rent (≈ $1,521/month) covered ~82% of the $1,850/month median mortgage at the 2021 Census — verify against current rents and rates.
- CBD access: 36 km straight-line from Melbourne (state suburb median 32 km).
- Dwelling mix: 68% separate houses — mixed market (vs 78% state median).
- Rate stress-test: budget ~$185/month extra for a 1-percentage-point RBA rate rise on top of the $1,850/month median repayment.
- Tenant rent burden: 23% of the median household income is spent on rent — comfortably affordable.
Investment Strategy
Moderate buy-and-hold potential: Seaford's 17,215-person market and $78,000 median household income work for investors who are selective on street location and property quality rather than counting on a suburb-wide rerating.
Moderate rental coverage at the 2021 Census: rent of $351/week covered 82% of a $1,850/month mortgage, a $329/month gap bridged with equity, depreciation and tax benefits. Re-check with current rents and rates before committing.
Only 68% 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.
Risk Factors
- Interest-rate sensitivity: the $1,850/month median mortgage in Seaford means a 1-percentage-point RBA rate rise could add roughly $185/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Income vulnerability: household incomes in Seaford are 18% below the Victoria median ($78,000 vs $95,160), which tends to compress rent growth and increases exposure to local unemployment shocks.
- Seaford is 36 km from the CBD — not close enough to benefit from the inner-ring pricing halo, so growth depends more heavily on local infrastructure decisions and the wider Victoria market cycle.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Seaford regardless of local market conditions.
- Market cycle risk: property markets are cyclical, so stress-test your projections in Seaford with a 10–15% price pullback scenario before committing capital — returns to date are not a guarantee of future performance.
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Start your first-home journey →2026 Outlook
Capital-growth expectations for Seaford are modest for 2026 — incomes 18% below the VIC median of $95,160 suggest gains will lag headline metro markets. At the 2021 Census, rental coverage ran at ~82% of the typical mortgage ($1,521/month rent vs $1,850/month repayment), keeping cash flow in positive or near-neutral territory. Verify against current rents and rates. Overall investor sentiment for Seaford is balanced heading into the second half of 2026, based on its income, rent and mortgage profile relative to the Victoria median.
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Frequently Asked Questions
Is Seaford a good suburb for investment?
Whether Seaford suits you depends on your strategy, but the fundamentals are concrete: a population of 17,215, a median household income of $78,000/year and median weekly rent of $351. Weigh those against your goal — cash flow, capital growth, or a value-add renovation — each of which we break down with suburb-specific ABS numbers elsewhere on this page.
What drives property demand in Seaford?
The main demand drivers in Seaford are a median household income of $78,000/year, a dwelling mix that is 68% separate houses. Together these shape both owner-occupier and tenant demand.
What is the population of Seaford?
Seaford has a usual resident population of approximately 17,215, compared with a Victoria suburb median of 7,416 — placing it in the upper 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 Seaford from the Melbourne CBD?
Seaford sits 36 km straight-line from the Melbourne CBD. This is an outer-metro location; local employment and infrastructure announcements tend to move prices more than CBD connectivity alone.
What is the median rent in Seaford?
The most recent census recorded a median weekly rent of $351 in Seaford, equating to approximately $18,252/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 Seaford?
The median monthly mortgage repayment in Seaford is $1,850, or approximately $22,200/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 Seaford cash-flow positive for investors?
A median weekly rent of $351 works out to $1,521/month, covering 82% of the median mortgage repayment of $1,850/month. That leaves a $329/month shortfall (around $3,948/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 Seaford?
The main risks are interest-rate sensitivity on the $1,850 median mortgage, below-median household incomes ($78,000 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.
How we built this Seaford profile
The population, postcode, median household income, and dwelling mix on this page are real figures from the ABS 2021 Census (income is the ABS median weekly household income annualised) and Australia Post. Distance to the CBD is calculated from the suburb's ABS centroid. The Census median rent and mortgage repayment are 2021 figures and are clearly labelled as such wherever they appear — they are five years old and have moved substantially since. We do not publish an investment score or school/park counts for this suburb. See our methodology and data sources for exactly what's measured and what's estimated.