St Germains vs Kotupna
In both, most households own their home and the large majority of homes are detached houses. In St Germains, most households are couple families. On these figures, St Germains tends to suit families with children and couples.
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
Kotupna
ahead on 2 of the 6 things we measure here
- has more parks and reserves (5 vs 1)
- carries lower crime risk (44/100 vs 83/100)
- But St Germains is already more of a family suburb (100% vs 56%)
Weighs schools, house stock, crime, parks, childcare, and who already lives there.
First-home buyers
Kotupna
ahead on the one thing that separates them
- leaves households under less mortgage stress (27% vs 32%)
Weighs mortgage stress.
Renters
Kotupna
ahead on 2 of the 3 things we measure here
- leaves renters under less rental stress (6% vs 17%)
- has cheaper rent ($83/wk vs $225/wk)
- But St Germains has a bigger rental market to choose from (30% vs 9%)
Weighs rent, rental stress, and how much is for rent.
Commuting to the city
St Germains
ahead on 2 of the 3 things we measure here
- sits closer to the CBD (209.8 km vs 223.3 km)
- has a shorter drive in (151 min vs 157 min)
Weighs distance, drive time, and walkability.
Downsizers and retirees
Kotupna
ahead on the one thing that separates them
- carries lower crime risk (44/100 vs 83/100)
Weighs who already lives there, GPs, walkability, and crime.
Investors
Kotupna
ahead on the one thing that separates them
- is growing faster (25.7% vs 0.0%)
Weighs population growth.
Where they sit
St Germains and Kotupna drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.
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.
Demographics
St Germains rents higher ($225/wk vs $83/wk); Kotupna has more residents (132 vs 75).
| St Germains | Kotupna | |
|---|---|---|
| Population | 75 | 132 +76% vs other |
| Population trend (2016 → 2021) | +0.0% | +25.7% |
| Median age | 44 | 46 |
| Median household income | $68,224/yr | $71,500/yr +5% vs other |
| Median weekly rent | $225/wk +63% vs other | $83/wk |
Age profile
Share of residents in each band, 2021 Census.
Bars are drawn against the largest share shown (22.7%).
Who lives together
Household composition, 2021 Census.
Who owns and who rents
Occupied private dwellings by tenure, 2021 Census.
What people live in
Occupied private dwellings by structure, 2021 Census.
Qualifications
Highest non-school qualification, residents 15+, 2021 Census.
Bars are drawn against the largest share shown (21.2%).
Zoning mix
St Germains has more rural and farming land (92% vs 82%).
| St Germains | Kotupna | |
|---|---|---|
| Rural and farming | 92% | 82% |
| Parks and recreation | 7% | 17% |
| 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
| St Germains | Kotupna | |
|---|---|---|
| New dwellings approved | 649 across Greater Shepparton | 332 across Moira |
| Approvals change year on year | -23% | -70% |
Ranking within VIC
| St Germains | Kotupna | |
|---|---|---|
| House price | — same for both | |
| Income | Higher than 30% of VIC | Higher than 37% of VIC |
| Schools | — same for both | |
| Walkability | Higher than 57% of VIC | Higher than 53% of VIC |
| Affordability | — same for both | |
| EV adoption | Higher than 8% of VIC | Higher than 5% of VIC |
| NBN connectivity | Higher than 46% of VIC | Higher than 23% of VIC |
Liveability
| St Germains | Kotupna | |
|---|---|---|
| Grade | — same for both | |
| Score | — same for both | |
| Socio-economic band | below-average income decile 2/10 | mid-range socio-economic decile 4/10 |
Risk profile
St Germains carries more crime risk (83 vs 44).
| St Germains | Kotupna | |
|---|---|---|
| Bushfire | Low 18/100 | Low 16/100 |
| Crime | High 83/100 | Moderate 44/100 |
| Flood | High 99/100 | High 100/100 |
| Coastal erosion | None 0/100 same for both | |
| Aircraft noise | None 0/100 same for both | |
| Industrial facilities nearby | 0 within 5 km same for both | |
Schools
| St Germains | Kotupna | |
|---|---|---|
| Inside the suburb | 0 same for both | |
| Rated above peers | 0 same for both | |
| Rated at peers | 0 same for both | |
| Rated below peers | 0 same for both | |
Amenities in the suburb
| St Germains | Kotupna | |
|---|---|---|
| Parks & reserves | 1 | 5 |
| Waterways | 2 | 8 |
Mobility
Kotupna sits further from the CBD (223.3 km vs 209.8 km).
| St Germains | Kotupna | |
|---|---|---|
| Walkability score | 0/100 same for both | |
| Distance to Melbourne | 209.8 km | 223.3 km +6% vs other |
| Drive time (normal traffic) | 151 min | 157 min |
| Electric vehicle share | 0.2% postcode 3620 | 0.1% postcode 3638 |
| Rooftop solar per 100 dwellings | 55 postcode 3620 | 54 postcode 3638 |
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.
Bars are drawn against the largest share shown (64.3%).
Setting
| St Germains | Kotupna | |
|---|---|---|
| Elevation | 104 m above sea level, at the suburb centre | 105 m above sea level, at the suburb centre |
NBN connectivity
| St Germains | Kotupna | |
|---|---|---|
| Connectivity score | 29/100 | 23/100 |
| Most common technology | Fixed wireless same for both | |
| Full-fibre (FTTP) share | 0% 25 premises | 0% 45 premises |
Climate
| St Germains | Kotupna | |
|---|---|---|
| Annual rainfall | 436 mm same for both | |
| Summer max (Jan) | 31.1°C same for both | |
| Winter min (Jul) | 3.8°C same for both | |
Council rates
| St Germains | Kotupna | |
|---|---|---|
| Average residential rate | $2,449/yr | $1,908/yr |
| Council | Greater Shepparton | Moira |
Federal electorate
| St Germains | Kotupna | |
|---|---|---|
| Division | Nicholls same for both | |
| Member | Sam Birrell same for both | |
| Party | The Nationals same for both | |
First Home Owner Grant
| St Germains | Kotupna | |
|---|---|---|
| Grant amount | $10,000 same for both | |
| Property price cap | $750,000 same for both | |
| Eligibility | New same for both | |
Tags
More comparisons
Other comparisons with St Germains
Other comparisons with Kotupna
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.