Eltham VIC 3095
Located in Victoria, Eltham sits 25 km from Melbourne CBD, around 36 minutes by car. The suburb has 18,847 residents, a median age of 43, and a median household income of $124,332 per year. On socioeconomic measures it sits in the top 20% nationally. Population grew 2.9% from 2016 to 2021. The 2021 Census recorded a median rent of $440 per week and a median monthly mortgage of $2,250. The area shows high bushfire risk and high flood risk. Of 5 schools within the suburb boundary, 1 ranks above the state average, and walkability is high.
Is Eltham a good suburb?
Eltham scores a B (55/100) on SuburbScan's Liveability grade — strong on transit and community, weaker on safety.
Mixed results
5 schools · 1 above peer schools
Very walkable
Walkability 81/100 · 25.3 km · 36 min drive to Melbourne
Around the state median
Median $1.23M · Pricier than 79% of VIC
High bushfire risk
Fire 86/100 · Crime 58/100 · Flood 63/100
Very advantaged
SEIFA decile 10/10 · median age 43 · 18,847 residents
Liveability Rating
55 / 100 · Ranked #345 in VICEach bar is Eltham's rank among VIC suburbs, from 0 to 100 (higher is better).
How do you rate the liveability in Eltham?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
55 / 100
From schools, safety and socio-economic data — not opinion.
Residents say
…
Median House Price
Public listings dataEltham's house market is moving higher: the median sale price reached $1.23 million, about 4% above where it sat a year earlier.
Houses
$1,230,000
10% below its 9 neighbours (median $1,365,000)
Based on 325 recorded sales in the last 24 months.
Typically sold in 23 days — median across 205 sales that recorded a listing period
By bedrooms
- 2 bed 13 sales $918K
- 3 bed 108 sales $1.06M
- 4 bed 158 sales $1.3M
- 5 bed 40 sales $1.54M
- 6 bed 5 sales $1.8M
Units
$776,500
18% above its 4 neighbours (median $655,400)
Based on 72 recorded sales in the last 24 months.
Typically sold in 20 days — median across 43 sales that recorded a listing period
By bedrooms
- 2 bed 28 sales $678K
- 3 bed 36 sales $855K
- 4 bed 5 sales $1.3M
Currently for Sale
Last 6 monthsHouses in Eltham are currently listed at around $1.15 million on average. Based on 146 houses listed in the past six months.
Houses
$1.15M
146 houses listed in the last 6 months.
Units
$745K
24 units listed in the last 6 months.
170 of the suburb's 6,574 dwellings (2.6%) were listed for sale in the last 6 months.
Rental Market
Advertised rents · last 6 monthsHouses in Eltham rent for around $785 a week on average, based on 32 houses listed for rent in the past six months.
Houses
$785/wk
16% below its 3 neighbours (median $935/wk)
32 houses advertised for rent in the last 6 months.
Units
$580/wk
17 units advertised for rent in the last 6 months.
49 rentals advertised against an estimated 802 rented homes (6.1%) in the last 6 months.
Rental affordability
June quarter 2025105 Moderately unaffordable · the average rental household in this region would pay about 29% of its income on the median rent in postcode 3095.
SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.
Gross rental yield
Indicative$785/week ($41,000 a year) on a $1.15 million median
$580/week ($30,000 a year) on a $745,000 median
Gross yield — before strata, rates, management, insurance and vacancy. Calculated from median advertised rents and median asking prices over the last 6 months. How we calculate.
Short-Stay Rentals
16 active Airbnb listings: 14 whole homes and 2 rooms. Whole homes are about 0.2% of the suburb's homes.
Airbnb only, as at Jun 2026; other platforms are not included. Active means reviewed in the past 12 months. The share is against private dwellings at the 2021 Census.
Is Eltham safe? Crime statistics
2026Crime in Eltham sits in the moderate band, with 899 incidents recorded in 2026 — up roughly 19% on the prior year.
899 offences
19.2% since 2025Crime Trend
Serious Road Crashes
2021–202522 crashes
where someone was killed or admitted to hospital
Where they happened
Crashes are counted where they happened, so a main road through the suburb carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.
Schools
Five schools serve Eltham, and results are mixed — some outperforming peer-suburb schools, some below. Our Lady Help of Christians School leads the pack.
- • 3,211 students across 5 schools (avg 642)
- • Sectors: 3 Government, 2 Catholic
- • ICSEA 1094-1143, median 1117 (well above the national baseline of 1000)
- • Largest: Eltham High School (1,326 students)
Primary
Secondary
Universities nearby
- 9.0 kmMelbourne (Bundoora) CampusLa Trobe University · 223 courses
- 9.0 kmBundoora Campus, Plenty Road, Bundoora Vic 3083Royal Melbourne Institute of Technology · 111 courses
2.6% of residents here are full-time university students aged 15–24.
Distance is measured to the suburb centre. A campus nearby does not by itself mean a student rental market — most suburbs within a few kilometres of one have a student share close to the national norm, and the figure above is what tells them apart.
Walkability
Eltham is very walkable on foot — at 81/100, most daily errands can be done on foot. Within the suburb there are 4 supermarkets, 51 parks and 30 cafes to anchor that walking radius.
Public transport
Weekday and weekend service frequency across every stop inside Eltham.
- Peak (7-9am + 5-7pm)
- 270.2 arrivals/hr
- Off-peak weekday
- 229.9 arrivals/hr
- Saturday
- 167.8 arrivals/hr
- Median peak wait
- 0 min
- Span of service
- 20.5 hours
- Direct to CBD (peak)
- 15 min wait
Scheduled service only, based on the 21 October 2026 timetable. Reliability (delays, cancellations) not measured.
NBN connectivity
The internet access technology available across NBN premises in Eltham.
- Full-fibre (FTTP) share
- 9%
- Premises covered
- 7,841
NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.
Amenities
Nillumbik: council population
The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb's own population is in the census section above.
Socio-economic profile
The ABS scores 51 small areas inside this suburb and averages them into the single decile above. They fall into 5 different deciles — a wide range, so parts of this suburb rank well above the average and parts well below it.
Eltham is home to about 18,800 residents, with a median age of 43, a touch above the national 38. Median household income runs at $124,000 a year, with unemployment at 3.8%.
2021 Census · change since 2016
Population
18,847
Median Age
43
Median Household Income
$124,332/yr
Census Median Rent
$440/wk
Census Median Mortgage
$2,250/mo
Avg Household Size
2.8
Median Personal Income
$50,492/yr
Unemployment Rate
3.8%
Unoccupied Dwellings
4.9%
Total Dwellings
6,574
Owner-Occupier Rate
87.8%
Houses
85.9%
Rental Stress
18.4%
Mortgage Stress
21.7%
Work From Home
42.2%
Dwelling Types
Property Ownership
35 rented from a state or territory housing authority and 0 from a community housing provider, as a share of the 784 rented dwellings above — not of all dwellings.
Demographics
- Born in Australia
- 79.0%
- English Spoken at Home
- 86.8%
- Employment Rate
- 64%
- Completed Year 12
- 54.3%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
When They Arrived
Share of all residents by the year they arrived in Australia. Periods cover different numbers of years, so compare the shape rather than the bar widths.
346 residents (1.8%) arrived since 2016. Australia’s borders were closed to most arrivals from March 2020, so the last two years of that period are much smaller than the ones before them — nationally 260,799 people arrived in 2019 against 28,521 in 2021.
Where New Residents Came From
Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.
Top places newcomers came from, as a share of the 17,848 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.
Languages Spoken at Home
Top languages other than English, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
16% of employed residents work in a capital's city centre (1,567 of 9,808).
City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.
Local Jobs
People who work in this suburb against employed people who live here, 2021 Census.
About 6,154 people work here; 9,808 employed residents live here.
Mostly a place people commute from: 0.6 jobs per working resident. At least 36% of employed residents must work outside the suburb.
Counts are by place of work and place of usual residence. The ABS counts jobs in zones; where a zone spans several places, its jobs are shared out by land use. The ABS also adjusts every figure slightly to protect privacy.
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $2,696 a year through Nillumbik based on 2024 figures.
How this land is zoned
- Residential 59%
- Parks and recreation 16%
- Environmental 15%
- Infrastructure and transport 6%
- Commercial 2%
- Industrial 1%
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 — the property page shows the zone for one address.
Building Approvals: Nillumbik
In the year to August 2026, 98 new dwellings were approved across Nillumbik. That mix is 65 houses and 33 units. Approvals are up 8.3% on the same period a year earlier.
New Homes Planned
New homes planned in this suburb: 121 homes
- Projects firmly planned 61 homes
- Projects likely to go ahead 14 homes
- Projects possible in the longer term 46 homes
From the Victorian Government's Urban Development Program: growth-area land and approved lots (metropolitan 2025, regional June 2024) and projects of 10 or more homes in Melbourne (2025), by stage. Lots and homes are counted as published; a lot usually becomes one home.
Aboriginal Cultural Heritage
The Registered Aboriginal Party for this area is Wurundjeri Woi Wurrung Cultural Heritage Aboriginal Corporation (appointed 2008).
Registered Aboriginal Parties are appointed by the Victorian Aboriginal Heritage Council under the Aboriginal Heritage Act 2006 as the primary guardians, keepers and knowledge holders of Aboriginal cultural heritage for their area. They are the body to contact about cultural heritage here.
Air Quality
CLEANPM2.5 averaged 3.9 µg/m³ in 2025 — below the WHO 2021 annual guideline (5 µg/m³).
From the Macleod monitoring station, 8.9 km away.
Climate & Setting
from Scoresby Research Institute, 19.1 kmModerate rainfall — hot summers, mild winters.
- Elevation
- 94 m
- above sea level, at the suburb centre
- Distance to the ocean
- 23.1 km
- Near high-voltage lines
- 3.0% of addresses
- 267 within 100 m of an overhead line of 110 kV or more
- Annual rainfall
- 777 mm
- 105 rainy days
- Summer max (Jan)
- 26.9°C
- 10 days ≥ 35°C
- Winter min (Jul)
- 6.3°C
- 2 frost days ≤ 0°C
Elevation is the ground at the suburb centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.
EV adoption
In postcode 3095, 395 of 22,059 registered light vehicles are battery-electric on 31 January 2025. A further 2.7% (601 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 4.5%.
Rooftop solar
In postcode 3095, 3,385 rooftop-solar systems totalling 22.0 MW have been installed since 2001, against 10,070 dwellings recorded in the 2021 Census. 271 went up in the last year.
Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.
2026 covers part of the year only, to 2026-07.
First Home Owner Grant
FY2026-27$10,000 for new homes priced up to $750,000.
The separate First Home Buyer Duty Reduction (stamp-duty concession) runs alongside this grant.
0 first-home grants were paid in postcode 3095 in 2025-26. The most was 140, in 2008-09.
Grants on new and established homes; established homes stopped qualifying in mid-2013.
Mortgage repayments
7 mortgage brokers are registered in this suburb, 16 across postcode 3095.
Land transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with State Revenue Office Victoria
The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $750,000 may qualify for $10,000 — see what qualifies with State Revenue Office Victoria.
At $1,230,000 this is $480,000 above the $750,000 First Home Owner Grant cap. A first home buyer may qualify for $10,000 on a newly built home — check eligibility with State Revenue Office Victoria.
A deposit under 20% usually attracts Lenders Mortgage Insurance, which this doesn't include.
Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-26 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.
Federal Electorate
Currently held by Kate Thwaites Australian Labor Party
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Kate Thwaites | 62.9% | 37.1% | +0.7 |
| 2022 | Kate Thwaites | 62.4% | 37.6% | -6.5 |
| 2019 | Kate Thwaites | 56.6% | 43.4% | -1.0 |
Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact suburb's voters across time.
State Electorate
Currently held by Vicki Ward Australian Labor Party - Victorian Branch
Next state election: 28 November 2026.
| Year | Winner | Won with | 2PP ALP | 2PP LNP |
|---|---|---|---|---|
| 2022 | Vicki Ward ALP | 59.0% | 59.0% | 41.0% |
| 2018 | Vicki Ward ALP | 59.1% | 59.1% | 40.9% |
| 2014 | Vicki Ward ALP | 52.7% | 52.7% | 47.3% |
Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this suburb's voters. Results: Victorian Electoral Commission, CC BY 4.0.
Looking at a specific address in Eltham?
Every figure above is a suburb average, and an average smooths over the difference between a street of family homes and a block of flats. Look up one address and you get the census for the few hundred people around it, its own nearest schools and stops, and what the state has mapped for that block.
- The census for a few hundred neighbours, not all 18,847 residents
- Nearest and zoned schools, with the walk from that door
- Flood, bushfire and noise mapping, where the state publishes it
Free to look up. Subscribers see every section in full — $29/month.
Checking the whole city?
Suburbs to avoid in Melbourne There is no list of bad suburbs, but there are hazards the state measures and publishes — recorded crime, bushfire exposure, flood overlays and aircraft noise. Melbourne suburbs ranked on them, with what the numbers do and don't mean.Nearby suburbs
Templestowe VIC 3106
Diamond Creek VIC 3089
Montmorency VIC 3094
Eltham North VIC 3095
Warrandyte VIC 3113
Lower Plenty VIC 3093
Compare Eltham to another suburb
Side-by-side stats for any other VIC suburb — type a name and pick one.
Or jump straight to a nearby comparison:
Common questions about Eltham
Is Eltham a safe place to live?
Recorded crime in Eltham is moderate (58/100, ranked against other VIC suburbs on offences per resident).
What natural hazards affect Eltham?
Eltham has a high recorded bushfire history (86/100, ranked against every Australian suburb with any fire history). Flood overlays cover a moderate share of it (63/100). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.
Is Eltham a good place to live?
Eltham has a SuburbScan Liveability grade of B (55/100), ranked against other VIC suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.
What is the population of Eltham?
Eltham, VIC had a population of 18,847 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Eltham, VIC?
The postcode for Eltham, VIC is 3095.
How far is Eltham from Melbourne?
Eltham is 25 km from Melbourne CBD by road, about 36 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Eltham?
At the 2021 ABS Census, median household income in Eltham was $124,332 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.
What is the median weekly rent in Eltham?
The median advertised rent in Eltham is $785 a week for houses (32 listings) and $580 a week for units (17 listings), from rental listings over the last six months.
What is the median age in Eltham?
The median age of residents in Eltham was 43 at the 2021 ABS Census.
Is Eltham at risk of bushfire?
Eltham has a high recorded bushfire history (86/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the suburb relative to its size, ranked against every Australian suburb with any fire history. It records where fire has burned, not a bushfire-prone land designation, which your council's planning scheme sets.
How are the schools in Eltham?
There are 5 schools inside the Eltham boundary: 1 above, 3 at, and 1 below similar schools on NAPLAN, compared with same-state, same-type schools of similar socio-educational advantage (ICSEA).
Is Eltham walkable?
Eltham scores 81/100 on the SuburbScan Walkability Score, making it very walkable. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.
What is the air quality in Eltham?
The nearest government air-quality monitoring station to Eltham (Macleod) recorded a 2025 annual mean PM2.5 of 3.9 µg/m³. That puts Eltham below the WHO annual guideline of 5 µg/m³.
What is the weather like in Eltham?
At the nearest Bureau of Meteorology station to Eltham, Scoresby Research Institute (19.1 km away), summer days average 26.9°C, winter nights 6.3°C, 777 mm of rain a year over 105 rainy days, and 10 days a year above 35°C over 2006-2026.
Is the First Home Owner Grant available in Eltham?
First-home buyers in VIC may be eligible for $10,000 towards new homes with a purchase price up to $750,000. The grant is administered by State Revenue Office Victoria; confirm current eligibility before signing a contract — state rules and amounts can change.
What council does Eltham belong to?
Eltham sits within the Nillumbik local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Eltham?
The average residential rates bill through Nillumbik is $2,696 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Eltham?
Across Nillumbik, 98 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 8.3% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.
Which federal electorate is Eltham in?
Eltham sits within the federal Division of Jagajaga, currently held by Kate Thwaites (Australian Labor Party).
Search another suburb or address
Data freshness
- Census · 2021
- Median sale prices · Oct 2026
- For-sale & rental market · Oct 2026
- Council rates · FY 2024–25
- Building approvals · Aug 2026
- Schools · 2025
- Public transport · Oct 2026
- NBN connectivity · Dec 2025
- Crime · 2026
- Road crashes · 2021–2025
- Air quality · 2025
- Climate · 2006–2026
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- Short-stay rentals · Jun 2026
- State electorate · 2022
- Amenities · Sep 2026
- Health & emergency facilities · Sep 2026
- Industrial emissions (NPI) · 2024/2025
- Coastal erosion · 1988–2025
- Aircraft noise · 2024
Vintages show when each source's data is from. See all data sources.
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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.