Carag Carag vs Girgarre

Girgarre is the younger of the two, with a median age of 42 against 56 in Carag Carag. In both, the large majority of households own their home and the large majority of homes are detached houses. In Carag Carag, most households are people living alone. On these figures, Carag Carag tends to suit people living alone and older residents, while Girgarre suits families with children.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

They split

one each way, out of the 6 things we measure here

  • Carag Carag carries lower crime risk (14/100 vs 62/100)
  • Girgarre is already more of a family suburb (50% vs 40%)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Carag Carag

ahead on the one thing that separates them

  • leaves households under less mortgage stress (18% vs 23%)

Weighs mortgage stress.

Renters

Too close to call

Nothing among the 3 things we measure here separates them by enough to be worth acting on.

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Carag Carag

ahead on the one thing that separates them

  • sits closer to the CBD (196.8 km vs 204.4 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Carag Carag

ahead on 2 of the 4 things we measure here

  • carries lower crime risk (14/100 vs 62/100)
  • has more residents already 65 and over (44% vs 22%)

Weighs who already lives there, GPs, walkability, and crime.

Investors

Girgarre

ahead on the one thing that separates them

  • is growing faster (0.4% vs -14.1%)

Weighs population growth.

Where they sit

Carag Carag and Girgarre drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Carag Carag Girgarre
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Carag Carag Girgarre
Walkability 0 / 0
Carag Carag — Walkability: 0/100 Girgarre — Walkability: 0/100
Safety 86 / 38
Carag Carag — Safety: 86/100 Girgarre — Safety: 38/100
Low fire risk 85 / 82
Carag Carag — Low fire risk: 85/100 Girgarre — Low fire risk: 82/100
Low flood risk 2 / 12
Carag Carag — Low flood risk: 2/100 Girgarre — Low flood risk: 12/100

Demographics

Girgarre has more residents (563 vs 61); Carag Carag skews older (56 vs 42).

Carag Carag Girgarre
Population 61 563
+823% vs other
Population trend (2016 → 2021) -14.1% +0.4%
Median age 56 42
Median household income $58,500/yr
+3% vs other
 $56,836/yr
Median weekly rent $175/wk $180/wk
+3% vs other

Age profile

Share of residents in each band, 2021 Census.

Carag Carag Girgarre
0-4 — / 7.6%
Carag Carag — 0-4: not among its largest Girgarre — 0-4: 7.6%
5-14 6.6% / 10.8%
Carag Carag — 5-14: 6.6% Girgarre — 5-14: 10.8%
15-19 — / 6.2%
Carag Carag — 15-19: not among its largest Girgarre — 15-19: 6.2%
20-24 6.6% / 5.2%
Carag Carag — 20-24: 6.6% Girgarre — 20-24: 5.2%
25-34 — / 12.1%
Carag Carag — 25-34: not among its largest Girgarre — 25-34: 12.1%
35-44 11.5% / 10.5%
Carag Carag — 35-44: 11.5% Girgarre — 35-44: 10.5%
45-54 18.0% / 10.5%
Carag Carag — 45-54: 18.0% Girgarre — 45-54: 10.5%
55-64 9.8% / 15.5%
Carag Carag — 55-64: 9.8% Girgarre — 55-64: 15.5%
65-74 27.9% / 12.1%
Carag Carag — 65-74: 27.9% Girgarre — 65-74: 12.1%
75-84 16.4% / 7.6%
Carag Carag — 75-84: 16.4% Girgarre — 75-84: 7.6%
85+ — / 2.0%
Carag Carag — 85+: not among its largest Girgarre — 85+: 2.0%

Bars are drawn against the largest share shown (27.9%).

Who lives together

Household composition, 2021 Census.

Carag Carag 60.0% lone person
Carag Carag — Lone Person: 60.0% Carag Carag — One Parent Families: 40.0% Carag Carag — Couple Families: 0.0% Carag Carag — Group Household: 0.0%
Girgarre 43.9% lone person
Girgarre — Lone Person: 43.9% Girgarre — One Parent Families: 14.2% Girgarre — Couple Families: 35.5% Girgarre — Group Household: 6.5%
Lone Person One Parent Families Couple Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Carag Carag 12.0% renting
Carag Carag — Owned Outright: 44.0% Carag Carag — Mortgage: 44.0% Carag Carag — Renting: 12.0%
Girgarre 20.4% renting
Girgarre — Owned Outright: 48.3% Girgarre — Mortgage: 31.3% Girgarre — Renting: 20.4%
Owned outright Mortgage Renting

What people live in

Occupied private dwellings by structure, 2021 Census.

Carag Carag 100.0% houses
Carag Carag — Houses: 100.0% Carag Carag — Flats / Apartments: 0.0%
Girgarre 98.6% houses
Girgarre — Houses: 98.6% Girgarre — Flats / Apartments: 1.4%
Houses Flats / Apartments

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Carag Carag Girgarre
Certificate III & IV 21.3% / 16.9%
Carag Carag — Certificate III & IV: 21.3% Girgarre — Certificate III & IV: 16.9%
Advanced Diploma / Diploma 13.1% / 5.9%
Carag Carag — Advanced Diploma / Diploma: 13.1% Girgarre — Advanced Diploma / Diploma: 5.9%
Bachelor Degree — / 4.8%
Carag Carag — Bachelor Degree: not among its largest Girgarre — Bachelor Degree: 4.8%
Graduate Diploma / Certificate — / 0.5%
Carag Carag — Graduate Diploma / Certificate: not among its largest Girgarre — Graduate Diploma / Certificate: 0.5%

Bars are drawn against the largest share shown (21.3%).

Property market

Carag Carag Girgarre
Median house price — $290,000
Median unit price —
same for both
Median land price —
same for both
Typical days to sell (houses) — 50 days
from 4 sales

Zoning mix

Carag Carag Girgarre
Rural and farming 99%
same for both
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Carag Carag Girgarre
New dwellings approved 264
across Campaspe
same for both
Approvals change year on year +63%
same for both

Ranking within VIC

Carag Carag Girgarre
House price —
same for both
Income Higher than 17% of VIC Higher than 15% of VIC
Schools —
same for both
Walkability Higher than 2% of VIC Higher than 47% of VIC
Affordability —
same for both
EV adoption Higher than 27% of VIC —
NBN connectivity Higher than 48% of VIC Higher than 65% of VIC

Liveability

Carag Carag Girgarre
Grade — D
Score — 15/100
Socio-economic band mid-range socio-economic
decile 4/10
 below-average income
decile 2/10

Risk profile

Girgarre carries more crime risk (62 vs 14); Carag Carag carries more flood risk (98 vs 88).

Carag Carag Girgarre
Bushfire Low
15/100
 Low
18/100
Crime Low
14/100
 Moderate
62/100
Flood High
98/100
 High
88/100
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
 1
within 5 km

Schools

Carag Carag Girgarre
Inside the suburb 0 1
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0 1

Schools in Carag Carag

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Schools in Girgarre

  • Girgarre Primary School Government · Primary below peers

Amenities in the suburb

Carag Carag Girgarre
Cafes & restaurants 0 1
Parks & reserves 2 0
Childcare 0 1
Banks & Bank@Post 0 1
Waterways 2 15

Mobility

Girgarre sits further from the CBD (204.4 km vs 196.8 km).

Carag Carag Girgarre
Walkability score 0/100
same for both
Distance to Melbourne 196.8 km 204.4 km
+4% vs other
Drive time (normal traffic) 142 min 145 min
Electric vehicle share 0.3%
postcode 3623
 0.0%
postcode 3624
Rooftop solar per 100 dwellings 55
postcode 3623
 64
postcode 3624

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Carag Carag Girgarre
Car (driver) 54.5% / 66.8%
Carag Carag — Car (driver): 54.5% Girgarre — Car (driver): 66.8%
Worked from Home 31.8% / 19.5%
Carag Carag — Worked from Home: 31.8% Girgarre — Worked from Home: 19.5%
Car (passenger) 13.6% / 4.2%
Carag Carag — Car (passenger): 13.6% Girgarre — Car (passenger): 4.2%
Walked Only — / 9.5%
Carag Carag — Walked Only: not among its largest Girgarre — Walked Only: 9.5%

Bars are drawn against the largest share shown (66.8%).

Setting

Carag Carag Girgarre
Elevation 104 m
above sea level, at the suburb centre
 110 m
above sea level, at the suburb centre

NBN connectivity

Carag Carag Girgarre
Connectivity score 30/100
same for both
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
30 premises
 0%
275 premises

Climate

Carag Carag Girgarre
Annual rainfall 438 mm 436 mm
Summer max (Jan) — 31.1°C
Winter min (Jul) — 3.8°C

Council rates

Carag Carag Girgarre
Average residential rate $2,035/yr
same for both
Council Campaspe
same for both

Federal electorate

Carag Carag Girgarre
Division Nicholls
same for both
Member Sam Birrell
same for both
Party The Nationals
same for both

First Home Owner Grant

Carag Carag Girgarre
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Carag Carag

Retirees Rural

Girgarre

Affordable Rural

More comparisons

Other comparisons with Carag Carag

Carag Carag vs Rushworth Carag Carag vs Stanhope Carag Carag vs Corop

Other comparisons with Girgarre

Girgarre vs Kyabram Girgarre vs Stanhope Girgarre vs Corop Girgarre vs Girgarre East Girgarre vs Cooma Girgarre vs Timmering
Full data on Carag Carag Full data on Girgarre
Unlock full address-level data — $29/month

Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

Save this page for later

We'll email you a link to this page so you can finish reading it on any device. We use your address once to send it and don't keep it.

or