Undera vs Kaarimba

Undera is the younger of the two, with a median age of 42 against 46 in Kaarimba. In both, the large majority of households own their home and the large majority of homes are detached houses. In Undera, about half of households are couple families. In Kaarimba, about half of households are people living alone. On these figures, Kaarimba tends to suit people living alone.

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

  • carries lower crime risk (55/100 vs 85/100)
  • is already more of a family suburb (73% vs 52%)

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

First-home buyers

Kaarimba

ahead on the one thing that separates them

  • leaves households under less mortgage stress (13% vs 19%)

Weighs mortgage stress.

Renters

Kaarimba

ahead on 2 of the 3 things we measure here

  • leaves renters under less rental stress (11% vs 16%)
  • has cheaper rent ($200/wk vs $235/wk)

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

  • sits closer to the CBD (203.4 km vs 217.8 km)
  • has a shorter drive in (144 min vs 153 min)

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 85/100)

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

Investors

Kaarimba

ahead on the one thing that separates them

  • is growing faster (9.4% vs 1.8%)

Weighs population growth.

Where they sit

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

Undera Kaarimba
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.

Undera Kaarimba
Walkability 0 / 0
Undera — Walkability: 0/100 Kaarimba — Walkability: 0/100
Safety 45 / 15
Undera — Safety: 45/100 Kaarimba — Safety: 15/100
Low fire risk 88 / 61
Undera — Low fire risk: 88/100 Kaarimba — Low fire risk: 61/100
Low flood risk 3 / 3
Undera — Low flood risk: 3/100 Kaarimba — Low flood risk: 3/100

Demographics

Undera has more residents (450 vs 93); Kaarimba has higher household incomes ($94,224 vs $75,816).

Undera Kaarimba
Population 450
+79% vs other
 93
Population trend (2016 → 2021) +1.8% +9.4%
Median age 42 46
Median household income $75,816/yr $94,224/yr
+24% vs other
Median weekly rent $235/wk
+15% vs other
 $200/wk

Age profile

Share of residents in each band, 2021 Census.

Undera Kaarimba
0-4 5.1% / 8.6%
Undera — 0-4: 5.1% Kaarimba — 0-4: 8.6%
5-14 14.4% / 10.8%
Undera — 5-14: 14.4% Kaarimba — 5-14: 10.8%
15-19 5.3% / 6.5%
Undera — 15-19: 5.3% Kaarimba — 15-19: 6.5%
20-24 6.0% / 7.5%
Undera — 20-24: 6.0% Kaarimba — 20-24: 7.5%
25-34 9.8% / 10.8%
Undera — 25-34: 9.8% Kaarimba — 25-34: 10.8%
35-44 9.8% / 8.6%
Undera — 35-44: 9.8% Kaarimba — 35-44: 8.6%
45-54 15.1% / 15.1%
Undera — 45-54: 15.1% Kaarimba — 45-54: 15.1%
55-64 17.1% / 15.1%
Undera — 55-64: 17.1% Kaarimba — 55-64: 15.1%
65-74 10.0% / 5.4%
Undera — 65-74: 10.0% Kaarimba — 65-74: 5.4%
75-84 2.9% / 8.6%
Undera — 75-84: 2.9% Kaarimba — 75-84: 8.6%
85+ 1.8% / —
Undera — 85+: 1.8% Kaarimba — 85+: not among its largest

Bars are drawn against the largest share shown (17.1%).

Who lives together

Household composition, 2021 Census.

Undera 52.0% couple families
Undera — Couple Families: 52.0% Undera — Lone Person: 27.0% Undera — One Parent Families: 21.0%
Kaarimba 52.4% couple families
Kaarimba — Couple Families: 52.4% Kaarimba — Lone Person: 47.6% Kaarimba — One Parent Families: 0.0%
Couple Families Lone Person One Parent Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Undera 15.4% renting
Undera — Owned Outright: 51.2% Undera — Mortgage: 33.3% Undera — Renting: 15.4%
Kaarimba 9.4% renting
Kaarimba — Owned Outright: 46.9% Kaarimba — Mortgage: 43.8% Kaarimba — Renting: 9.4%
Owned outright Mortgage Renting

What people live in

Occupied private dwellings by structure, 2021 Census.

Undera 98.6% houses
Undera — Houses: 98.6% Undera — Flats / Apartments: 1.4%
Kaarimba 91.7% houses
Kaarimba — Houses: 91.7% Kaarimba — Flats / Apartments: 8.3%
Houses Flats / Apartments

Qualifications

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

Undera Kaarimba
Certificate III & IV 15.8% / 14.0%
Undera — Certificate III & IV: 15.8% Kaarimba — Certificate III & IV: 14.0%
Advanced Diploma / Diploma 4.4% / 9.7%
Undera — Advanced Diploma / Diploma: 4.4% Kaarimba — Advanced Diploma / Diploma: 9.7%
Bachelor Degree 6.2% / 6.5%
Undera — Bachelor Degree: 6.2% Kaarimba — Bachelor Degree: 6.5%
Graduate Diploma / Certificate 0.9% / 3.2%
Undera — Graduate Diploma / Certificate: 0.9% Kaarimba — Graduate Diploma / Certificate: 3.2%
Postgraduate Degree 1.8% / —
Undera — Postgraduate Degree: 1.8% Kaarimba — Postgraduate Degree: not among its largest

Bars are drawn against the largest share shown (15.8%).

Property market

Undera Kaarimba
Median house price $732,500 —
Median unit price —
same for both
Median land price —
same for both

Zoning mix

Undera Kaarimba
Rural and farming 91% 95%
Parks and recreation 8% 4%
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

Undera Kaarimba
New dwellings approved 649
across Greater Shepparton
 332
across Moira
Approvals change year on year -23% -70%

Ranking within VIC

Undera Kaarimba
House price —
same for both
Income Higher than 43% of VIC Higher than 64% of VIC
Schools —
same for both
Walkability Higher than 14% of VIC Higher than 47% of VIC
Affordability —
same for both
EV adoption Higher than 17% of VIC —
NBN connectivity Higher than 40% of VIC Higher than 45% of VIC

Liveability

Undera Kaarimba
Grade —
same for both
Score —
same for both
Socio-economic band below-average income
decile 2/10
 advantaged area
decile 7/10

Risk profile

Kaarimba carries more bushfire risk (39 vs 12); Kaarimba carries more crime risk (85 vs 55).

Undera Kaarimba
Bushfire Low
12/100
 Low
39/100
Crime Moderate
55/100
 High
85/100
Flood High
97/100
same for both
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

Undera Kaarimba
Inside the suburb 1 0
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0
same for both

Schools in Undera

  • Undera Primary School Government · Primary

Schools in Kaarimba

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

Amenities in the suburb

Undera Kaarimba
Parks & reserves 4 2
Childcare 1 0

Mobility

Kaarimba sits further from the CBD (217.8 km vs 203.4 km).

Undera Kaarimba
Walkability score 0/100
same for both
Distance to Melbourne 203.4 km 217.8 km
+7% vs other
Drive time (normal traffic) 144 min 153 min
Electric vehicle share 0.2%
postcode 3629
 0.0%
postcode 3635
Rooftop solar per 100 dwellings 47
postcode 3629
 66
postcode 3635

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.

Undera Kaarimba
Car (driver) 64.3% / 50.9%
Undera — Car (driver): 64.3% Kaarimba — Car (driver): 50.9%
Worked from Home 26.5% / 34.5%
Undera — Worked from Home: 26.5% Kaarimba — Worked from Home: 34.5%
Walked Only 7.6% / 7.3%
Undera — Walked Only: 7.6% Kaarimba — Walked Only: 7.3%
Car (passenger) 1.6% / 7.3%
Undera — Car (passenger): 1.6% Kaarimba — Car (passenger): 7.3%

Bars are drawn against the largest share shown (64.3%).

Setting

Undera Kaarimba
Elevation 106 m
above sea level, at the suburb centre
 104 m
above sea level, at the suburb centre

NBN connectivity

Undera Kaarimba
Connectivity score 29/100
same for both
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
180 premises
 0%
51 premises

Climate

Undera Kaarimba
Annual rainfall 436 mm 458 mm
Summer max (Jan) 31.1°C —
Winter min (Jul) 3.8°C —

Council rates

Undera Kaarimba
Average residential rate $2,449/yr $1,908/yr
Council Greater Shepparton Moira

Federal electorate

Undera Kaarimba
Division Nicholls
same for both
Member Sam Birrell
same for both
Party The Nationals
same for both

First Home Owner Grant

Undera Kaarimba
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Undera

Rural

Kaarimba

Rural Young Families

More comparisons

Other comparisons with Undera

Undera vs Lancaster Undera vs Bunbartha Undera vs Mooroopna North Undera vs Coomboona Undera vs Kotupna Undera vs St Germains

Other comparisons with Kaarimba

Kaarimba vs Numurkah Kaarimba vs Nathalia Kaarimba vs Waaia Kaarimba vs Bunbartha Kaarimba vs Mundoona Kaarimba vs Kotupna
Full data on Undera Full data on Kaarimba
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.

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