St Germains vs Undera
In both, most households own their home and the large majority of homes are detached houses. In St Germains, most households are couple families. In Undera, about half of households are couple families. On these figures, St Germains tends to suit 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
Undera
ahead on 2 of the 6 things we measure here
- has more parks and reserves (4 vs 1)
- carries lower crime risk (55/100 vs 83/100)
- But St Germains is already more of a family suburb (100% vs 73%)
Weighs schools, house stock, crime, parks, childcare, and who already lives there.
First-home buyers
Undera
ahead on the one thing that separates them
- leaves households under less mortgage stress (19% vs 32%)
Weighs mortgage stress.
Renters
St Germains
ahead on the one thing that separates them
- has a bigger rental market to choose from (30% vs 15%)
Weighs rent, rental stress, and how much is for rent.
Commuting to the city
Undera
ahead on 2 of the 3 things we measure here
- has a shorter drive in (144 min vs 151 min)
- sits closer to the CBD (203.4 km vs 209.8 km)
Weighs distance, drive time, and walkability.
Downsizers and retirees
Undera
ahead on the one thing that separates them
- carries lower crime risk (55/100 vs 83/100)
Weighs who already lives there, GPs, walkability, and crime.
Investors
Too close to call
Nothing among the 1 things we measure here separates them by enough to be worth acting on.
Weighs population growth.
Where they sit
St Germains and Undera 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
Undera has more residents (450 vs 75); Undera has higher household incomes ($75,816 vs $68,224).
| St Germains | Undera | |
|---|---|---|
| Population | 75 | 450 +500% vs other |
| Population trend (2016 → 2021) | +0.0% | +1.8% |
| Median age | 44 | 42 |
| Median household income | $68,224/yr | $75,816/yr +11% vs other |
| Median weekly rent | $225/wk | $235/wk +4% vs other |
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 (20.0%).
Property market
| St Germains | Undera | |
|---|---|---|
| Median house price | — | $732,500 |
| Median unit price | — same for both | |
| Median land price | — same for both | |
Zoning mix
| St Germains | Undera | |
|---|---|---|
| Rural and farming | 92% | 91% |
| Parks and recreation | 7% | 8% |
| 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 | Undera | |
|---|---|---|
| New dwellings approved | 649 across Greater Shepparton same for both | |
| Approvals change year on year | -23% same for both | |
Ranking within VIC
| St Germains | Undera | |
|---|---|---|
| House price | — same for both | |
| Income | Higher than 30% of VIC | Higher than 43% of VIC |
| Schools | — same for both | |
| Walkability | Higher than 57% of VIC | Higher than 14% of VIC |
| Affordability | — same for both | |
| EV adoption | Higher than 8% of VIC | Higher than 17% of VIC |
| NBN connectivity | Higher than 46% of VIC | Higher than 40% of VIC |
Liveability
| St Germains | Undera | |
|---|---|---|
| Grade | — same for both | |
| Score | — same for both | |
| Socio-economic band | below-average income decile 2/10 same for both | |
Risk profile
St Germains carries more crime risk (83 vs 55).
| St Germains | Undera | |
|---|---|---|
| Bushfire | Low 18/100 | Low 12/100 |
| Crime | High 83/100 | Moderate 55/100 |
| Flood | High 99/100 | High 97/100 |
| 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 | Undera | |
|---|---|---|
| Inside the suburb | 0 | 1 |
| Rated above peers | 0 same for both | |
| Rated at peers | 0 same for both | |
| Rated below peers | 0 same for both | |
Schools in St Germains
No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.
Schools in Undera
- Undera Primary School Government · Primary
Amenities in the suburb
| St Germains | Undera | |
|---|---|---|
| Parks & reserves | 1 | 4 |
| Childcare | 0 | 1 |
| Waterways | 2 | 0 |
Mobility
St Germains sits further from the CBD (209.8 km vs 203.4 km).
| St Germains | Undera | |
|---|---|---|
| Walkability score | 0/100 same for both | |
| Distance to Melbourne | 209.8 km +3% vs other | 203.4 km |
| Drive time (normal traffic) | 151 min | 144 min |
| Electric vehicle share | 0.2% postcode 3620 | 0.2% postcode 3629 |
| Rooftop solar per 100 dwellings | 55 postcode 3620 | 47 postcode 3629 |
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 | Undera | |
|---|---|---|
| Elevation | 104 m above sea level, at the suburb centre | 106 m above sea level, at the suburb centre |
NBN connectivity
| St Germains | Undera | |
|---|---|---|
| Connectivity score | 29/100 same for both | |
| Most common technology | Fixed wireless same for both | |
| Full-fibre (FTTP) share | 0% 25 premises | 0% 180 premises |
Climate
| St Germains | Undera | |
|---|---|---|
| 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 | Undera | |
|---|---|---|
| Average residential rate | $2,449/yr same for both | |
| Council | Greater Shepparton same for both | |
Federal electorate
| St Germains | Undera | |
|---|---|---|
| Division | Nicholls same for both | |
| Member | Sam Birrell same for both | |
| Party | The Nationals same for both | |
First Home Owner Grant
| St Germains | Undera | |
|---|---|---|
| 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 Undera
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.