Girgarre VIC 3624
Located in Victoria, Girgarre sits 204 km from Melbourne CBD, around 2 hours 25 minutes by car. The locality has 563 residents, a median age of 42, and a median household income of $56,836 per year. On socioeconomic measures it sits in the bottom 20% nationally. The 2021 Census recorded a median rent of $180 per week and a median monthly mortgage of $1,083. The area shows high flood risk and high crime risk. 1 school sits within the locality boundary, and walkability is low.
Is Girgarre a good place to live?
Girgarre scores a D (15/100) on SuburbScan's Liveability grade — weaker on transit, safety, and community.
Mixed results
1 school
Car-dependent
Walkability 0/100 · 204.4 km · 145 min drive to Melbourne
Median available
Median $290K
High flood risk
Fire 18/100 · Crime 62/100 · Flood 88/100
Highly disadvantaged
SEIFA decile 2/10 · median age 42 · 563 residents
Liveability Rating
15 / 100 · Ranked #856 in VICEach bar is Girgarre's rank among VIC suburbs, from 0 to 100 (higher is better). Scored on 4 of 5 factors: no school data, so the other factors carry its weight.
How do you rate the liveability in Girgarre?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
15 / 100
From schools, safety and socio-economic data — not opinion.
Residents say
…
Median House Price
Public listings dataGirgarre's house market is moving lower: the median sale price reached $290,000, roughly 29% below where it sat a year earlier.
$290,000
Based on 11 recorded sales in the last 24 months.
Typically sold in 50 days — median across 4 sales that recorded a listing period
By bedrooms
- 3 bed 8 sales $280K
Is Girgarre safe? Crime statistics
2026Crime in Girgarre sits in the moderate band, with 21 incidents recorded in 2026 — down roughly 30% on the prior year.
21 offences
30.0% since 2025Crime Trend
Serious Road Crashes
2021–202510 crashes
where someone was killed or admitted to hospital, 2 of them fatal
Where they happened
Crashes are counted where they happened, so a main road through the locality carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.
Schools
One school serve Girgarre, and the cohort is trailing peer-suburb performance.
- • 27 students in one school (avg 27)
Primary
Walkability
Girgarre is very car-dependent on foot — at 0/100, nearly all errands require a car.
We hold no public transport timetable data for this area, so public transport is not rated here and the score is spread across the remaining components. It is not counted as zero.
NBN connectivity
The internet access technology available across NBN premises in Girgarre.
- Full-fibre (FTTP) share
- 0%
- Premises covered
- 275
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
Campaspe: council population
The three add up to the change above. These are council-wide figures from the ABS, not figures for this locality alone — this locality's own population is in the census section above.
Socio-economic profile
Girgarre is home to 563 residents, with a median age of 42, a touch above the national 38. Median household income runs at $57,000 a year, with unemployment at 3.8%.
2021 Census · change since 2016
Population
563
Median Age
42
Median Household Income
$56,836/yr
Census Median Rent
$180/wk
Census Median Mortgage
$1,083/mo
Avg Household Size
2.4
Median Personal Income
$31,044/yr
Unemployment Rate
3.8%
Unoccupied Dwellings
13.8%
Total Dwellings
217
Owner-Occupier Rate
79.6%
Houses
98.6%
Rental Stress
16.5%
Mortgage Stress
22.9%
Work From Home
19.5%
Dwelling Types
Property Ownership
Demographics
- Born in Australia
- 82.6%
- English Spoken at Home
- 87.9%
- Employment Rate
- 48.3%
- Completed Year 12
- 23.6%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
Languages Spoken at Home
Top languages other than English, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $2,035 a year through Campaspe based on 2024 figures.
How this land is zoned
- Rural and farming 99%
- Zones under 1% 1%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the locality around it — the property page shows the zone for one address.
Building Approvals: Campaspe
In the year to August 2026, 264 new dwellings were approved across Campaspe. That mix is 259 houses and 5 units. Approvals are up 63.0% on the same period a year earlier.
Aboriginal Cultural Heritage
The Registered Aboriginal Party for this area is Yorta Yorta Nation Aboriginal Corporation (appointed 2007).
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.
Climate & Setting
from Kyabram, 12.5 kmDry climate — hot summers, cold winters with occasional frost.
- Elevation
- 110 m
- above sea level, at the locality centre
- Annual rainfall
- 436 mm
- 58 rainy days
- Summer max (Jan)
- 31.1°C
- 25 days ≥ 35°C
- Winter min (Jul)
- 3.8°C
- 14 frost days ≤ 0°C
Elevation is the ground at the locality 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.
Industrial Emissions Nearby
1 facility within 5 km- 3.0 kmMilk and Cream ProcessingTop reported: Oxides of Nitrogen · Carbon monoxide · Ammonia (total)
EV adoption
In postcode 3624, 0 of 549 registered light vehicles are battery-electric on 31 January 2025. A further 0.5% (3 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 0.5%.
Rooftop solar
In postcode 3624, 155 rooftop-solar systems totalling 1.4 MW have been installed since 2001, against 242 dwellings recorded in the 2021 Census. 6 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 3624 in 2025-26. The most was 6, in 2004-05.
Grants on new and established homes; established homes stopped qualifying in mid-2013.
Mortgage repayments
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 $290,000 this is under 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 2026-10-27 — 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 Sam Birrell The Nationals
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Sam Birrell | 35.6% | 64.4% | +35.6 |
| 2022 | Sam Birrell | 32.9% | 67.2% | -2.9 |
| 2019 | Damian Drum | 30.0% | 70.0% | -2.5 |
Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact locality's voters across time.
State Electorate
Currently held by Annabelle Cleeland The Nationals
Next state election: 28 November 2026.
| Year | Winner | Won with | 2PP ALP | 2PP LNP |
|---|---|---|---|---|
| 2022 | Annabelle Cleeland NP | 59.9% | 40.1% | 59.9% |
| 2018 | Steph Ryan NP | 59.0% | 34.6% | 65.4% |
| 2014 | Steph Ryan NP | 64.5% | 35.5% | 64.5% |
Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this locality's voters. Results: Victorian Electoral Commission, CC BY 4.0.
Looking at a specific address in Girgarre?
Every figure above is a locality 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 563 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.
Nearby suburbs
Kyabram VIC 3620
Stanhope VIC 3623
Corop VIC 3559
Girgarre East VIC 3616
Cooma VIC 3616
Timmering VIC 3561
Compare Girgarre 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 Girgarre
Is Girgarre a safe place to live?
Recorded crime in Girgarre is moderate (62/100, ranked against other VIC suburbs on offences per resident).
What natural hazards affect Girgarre?
Girgarre has a low recorded bushfire history (18/100, ranked against every Australian suburb with any fire history). Flood overlays cover a high share of it (88/100). These are locality-wide figures; check the address, as flood and bushfire exposure change street by street.
Is Girgarre a good place to live?
Girgarre has a SuburbScan Liveability grade of D (15/100), 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 Girgarre?
Girgarre, VIC had a population of 563 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Girgarre, VIC?
The postcode for Girgarre, VIC is 3624.
How far is Girgarre from Melbourne?
Girgarre is 204 km from Melbourne CBD by road, about 145 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Girgarre?
At the 2021 ABS Census, median household income in Girgarre was $56,836 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 Girgarre?
There are too few current rental listings in Girgarre for a reliable median. At the 2021 ABS Census the median weekly rent was $180, across all dwelling types.
What is the median age in Girgarre?
The median age of residents in Girgarre was 42 at the 2021 ABS Census.
Is Girgarre at risk of bushfire?
Girgarre has a low recorded bushfire history (18/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the locality 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 Girgarre?
There is 1 school inside the Girgarre boundary: 1 below similar schools on NAPLAN, compared with same-state, same-type schools of similar socio-educational advantage (ICSEA).
What is the weather like in Girgarre?
At the nearest Bureau of Meteorology station to Girgarre, Kyabram (12.5 km away), summer days average 31.1°C, winter nights 3.8°C, 436 mm of rain a year over 58 rainy days, and 25 days a year above 35°C over 2006-2026.
Is the First Home Owner Grant available in Girgarre?
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 Girgarre belong to?
Girgarre sits within the Campaspe local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Girgarre?
The average residential rates bill through Campaspe is $2,035 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Girgarre?
Across Campaspe, 264 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 63.0% 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 Girgarre in?
Girgarre sits within the federal Division of Nicholls, currently held by Sam Birrell (The Nationals).
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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
- NBN connectivity · Dec 2025
- Crime · 2026
- Road crashes · 2021–2025
- Climate · 2006–2026
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- 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.