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Suburb Insights · VIC 3960

Turtons Creek, VIC 3960 Property Profile

ABS 2021 Census · Updated 21 May 2026

Suburb Overview

Turtons Creek is a regional centre in Victoria, Australia, with a population of approximately 33, making it a boutique locality. Located approximately 138 km from the Melbourne CBD, Turtons Creek is a regional area in Victoria. The median household income is $55,224 per year.

Investment Score

26 / 100 Weak

Lower income levels in Turtons Creek typically translate to more affordable entry points for investors. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.

Location

Melbourne
Turtons Creek
Victoria · 3960
138 km from Melbourne CBD
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Key Indicators

Postcode
3960

Official Australia Post postcode for Turtons Creek. A postcode may cover multiple suburbs.

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Population
33

Usual resident population at the most recent census.

Median weekly rent
$285/wk

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

Median household income
$55,224/yr

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

Distance to CBD
138 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
$953/mo

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

Home type
52% houses

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

Investment Insight

Turtons Creek is a smaller community of 33 — about 0% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Turtons Creek's median household income of $55,224/year is 42% 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 $285 equates to $1,235/month — about 130% of the median mortgage repayment of $953/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Turtons Creek is 138 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 52% 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.

Turtons Creek vs Victoria Median

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

MetricTurtons CreekVIC medianΔ vs state
Population337,416-100%
Median household income$55,224/yr$95,160/yr-42%
Median rent (weekly)$285$380-25%
Median mortgage (monthly)$953$1,950-51%
Distance to CBD138 km32 km+331%
Separate houses52%78%-26pp

Investor Checklist

Pre-inspection briefing for Turtons Creek — 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 33 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.

Rental Yield

Strong rental coverage: $285/week (~$1,235/month) covers 130% of the $953/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.

Renovation / Flip

Only 52% 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

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30-year projections for Turtons Creek

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2026 Outlook

Growth: Low Rental Demand: Low Investor Sentiment: Low

Capital-growth expectations for Turtons Creek are modest for 2026 — incomes 42% below the VIC median of $95,160 and a population of 33 suggest gains will lag headline metro markets. Rental coverage runs at ~130% of the typical mortgage ($1,235/month rent vs $953/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 26/100 places Turtons Creek 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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Frequently Asked Questions

Is Turtons Creek a good suburb for investment?

Turtons Creek scores 26/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 33, median household income of $55,224/year and median weekly rent of $285. 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 Turtons Creek?

The main demand drivers in Turtons Creek are a median household income of $55,224/year, a dwelling mix that is 52% 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 Turtons Creek?

Turtons Creek has a usual resident population of approximately 33, 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 Turtons Creek from the Melbourne CBD?

Turtons Creek sits 138 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 Turtons Creek?

The most recent census recorded a median weekly rent of $285 in Turtons Creek, equating to approximately $14,820/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 Turtons Creek?

The median monthly mortgage repayment in Turtons Creek is $953, or approximately $11,436/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 Turtons Creek cash-flow positive for investors?

A median weekly rent of $285 works out to $1,235/month, covering 130% of the median mortgage repayment of $953/month. That means rent exceeds the median repayment by roughly $282/month, so on these numbers Turtons Creek 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.

What are the main risks of investing in Turtons Creek?

The main risks are a thin buyer pool (33 residents), interest-rate sensitivity on the $953 median mortgage, below-median household incomes ($55,224 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 Turtons Creek 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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