Located in Victoria, Inverloch sits 146 km from Melbourne CBD, around 1 hour 55 minutes by car. The town has 6,526 residents, a median age of 54, and a median household income of $66,872 per year. By household income, education, and employment patterns, it ranks in the top 40% nationally. The town grew 20.0% between 2016 and 2021. At the 2021 Census, households here paid a median rent of $346 per week and a median monthly mortgage of $1,700. Inverloch is characterised by high coastal erosion risk and no recorded bushfire exposure. 1 school sits within the town boundary, and walkability is low.
Is Inverloch a good town?
Inverloch scores a B (50/100) on SuburbScan's Liveability grade — strong on community, weaker on transit and prices.
Mixed results
1 school
Car-dependent
Walkability 0/100 · 145.5 km · 114 min drive to Melbourne
Above the state median
Median $845K · Less affordable than 83% of VIC
Moderate crime risk
Fire 0/100 · Crime 50/100 · Flood 47/100
Advantaged
SEIFA decile 7/10 · median age 54 · 6,526 residents
Liveability Rating
50 / 100 · Ranked #428 in VICEach bar is Inverloch'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 Inverloch?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
50 / 100
From schools, safety and socio-economic data — not opinion.
Residents say
…
Median House Price
Public listings dataInverloch's house market is moving lower: the median sale price reached $845,000, about 10% below where it sat a year earlier.
Houses
$845,000
Based on 181 recorded sales in the last 24 months.
Typically sold in 77 days — median across 65 sales that recorded a listing period
By bedrooms
- 2 bed 17 sales $699K
- 3 bed 79 sales $795K
- 4 bed 68 sales $884K
- 5 bed 11 sales $1.15M
Land
$600,000
Based on 19 recorded sales in the last 24 months.
Typically sold in 77 days — median across 5 sales that recorded a listing period
Currently for Sale
Last 6 monthsHouses in Inverloch are currently listed at around $885,000 on average. Based on 169 houses listed in the past six months.
Houses
$885K
169 houses listed in the last 6 months.
Units
$672K
14 units listed in the last 6 months.
183 of the suburb's 2,661 dwellings (6.9%) were listed for sale in the last 6 months.
Rental Market
Advertised rents · last 6 monthsHouses in Inverloch rent for around $535 a week on average, based on 39 houses listed for rent in the past six months.
$535/wk
39 houses advertised for rent in the last 6 months.
40 rentals advertised against an estimated 487 rented homes (8.2%) in the last 6 months.
Rental affordability
June quarter 202593 Unaffordable · the average rental household in this region would pay about 32% of its income on the median rent in postcode 3996.
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$535/week ($28,000 a year) on a $885,000 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.
Is Inverloch safe? Crime statistics
2026Crime in Inverloch sits in the moderate band, with 230 incidents recorded in 2026 — down roughly 33% on the prior year.
230 offences
32.9% since 2025Crime Trend
Serious Road Crashes
2021–202516 crashes
where someone was killed or admitted to hospital
Where they happened
Crashes are counted where they happened, so a main road through the town carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.
Coastal Erosion
Shoreline Change Summary
1988–2025Nearest Eroding Coastline
- Distance
- 2.3 km
- Rate
- -3.61 m/yr
- Net Movement
- -106.1 m
- Certainty
- good
Data Quality
Schools
One school serve Inverloch, and performance is broadly on par with peer-suburb schools.
- • 461 students in one school (avg 461)
Primary
Walkability
Inverloch is very car-dependent on foot — at 0/100, nearly all errands require a car. Within the town there are 1 supermarket, 11 parks and 7 cafes to anchor that walking radius.
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.
Public transport
Weekday and weekend service frequency across every stop inside Inverloch.
- Peak (7-9am + 5-7pm)
- 6.0 arrivals/hr
- Off-peak weekday
- 3.0 arrivals/hr
- Saturday
- 2.6 arrivals/hr
- Median peak wait
- 1 min
- Span of service
- 18.5 hours
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 Inverloch.
- Full-fibre (FTTP) share
- 48%
- Premises covered
- 5,292
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
Bass Coast: council population
The three add up to the change above. These are council-wide figures from the ABS, not figures for this town alone — this town's own population is in the census section above.
Socio-economic profile
The ABS scores 16 small areas inside this town and averages them into the single decile above. They fall into 7 different deciles — a wide range, so parts of this town rank well above the average and parts well below it.
Inverloch is home to about 6,500 residents, with a median age of 54 — noticeably older than the national figure of 38. Median household income runs at $67,000 a year, with unemployment at 2.7%.
2021 Census · change since 2016
Population
6,526
Median Age
54
Median Household Income
$66,872/yr
Census Median Rent
$346/wk
Census Median Mortgage
$1,700/mo
Avg Household Size
2.2
Median Personal Income
$36,556/yr
Unemployment Rate
2.7%
Unoccupied Dwellings
68.9%
Total Dwellings
2,661
Owner-Occupier Rate
81.7%
Houses
91.1%
Rental Stress
26.9%
Mortgage Stress
30.5%
Work From Home
23.1%
Dwelling Types
Property Ownership
37 rented from a state or territory housing authority and 16 from a community housing provider, as a share of the 474 rented dwellings above — not of all dwellings.
Demographics
- Born in Australia
- 81.4%
- English Spoken at Home
- 91.8%
- Employment Rate
- 47%
- Completed Year 12
- 42.1%
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.
42 residents (0.6%) 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.
18.1% of residents (1,124) lived in a capital city five years earlier, most of them in Melbourne (1,074).
Top places newcomers came from, as a share of the 6,220 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
3% of employed residents work in a capital's city centre (76 of 2,585).
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 town against employed people who live here, 2021 Census.
About 1,448 people work here; 2,585 employed residents live here.
Mostly a place people commute from: 0.6 jobs per working resident. At least 42% of employed residents must work outside the town.
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 $1,727 a year through Bass Coast based on 2024 figures.
How this land is zoned
- Rural and farming 83%
- Residential 5%
- Infrastructure and transport 3%
- Parks and recreation 2%
- Not zoned 7%
Planning zones cover 93% of the town's area. The rest is unzoned land such as water or road reserve.
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the town around it — the property page shows the zone for one address.
Building Approvals: Bass Coast
In the year to August 2026, 393 new dwellings were approved across Bass Coast. That mix is 369 houses and 24 units.
Aboriginal Cultural Heritage
The Registered Aboriginal Party for this area is Bunurong Land Council Aboriginal Corporation (appointed 2017).
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 Wonthaggi, 11.1 kmHigh rainfall — warm summers, mild winters.
- Elevation
- 21 m
- above sea level, at the town centre
- Distance to the ocean
- 2.3 km
- Annual rainfall
- 906 mm
- 119 rainy days
- Summer max (Jan)
- 24.6°C
- 6 days ≥ 35°C
- Winter min (Jul)
- 6.9°C
- 0 frost days ≤ 0°C
Elevation is the ground at the town 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 3996, 66 of 6,135 registered light vehicles are battery-electric on 31 January 2025. A further 2.9% (180 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 4.0%.
Rooftop solar
In postcode 3996, 1,760 rooftop-solar systems totalling 10.8 MW have been installed since 2001, against 4,557 dwellings recorded in the 2021 Census. 109 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 3996 in 2025-26. The most was 42, in 2009-10.
Grants on new and established homes; established homes stopped qualifying in mid-2013.
Mortgage repayments
1 mortgage broker is registered in this town.
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 $845,000 this is $95,000 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 2026-10-27 — 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 Mary Aldred Liberal
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Mary Aldred | 45.9% | 54.1% | -1.2 |
| 2022 | Russell Broadbent | 47.1% | 52.9% | -4.0 |
| 2019 | Russell Broadbent | 42.6% | 57.4% | -0.1 |
Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact town's voters across time.
State Electorate
Currently held by Jordan Crugnale Australian Labor Party - Victorian Branch
Next state election: 28 November 2026.
| Year | Winner | Won with | 2PP ALP | 2PP LNP |
|---|---|---|---|---|
| 2022 | Jordan Crugnale ALP | 50.2% | 50.2% | 49.8% |
| 2018 | Jordan Crugnale ALP | 52.4% | 52.4% | 47.6% |
| 2014 | Brian Paynter LP | 54.5% | 45.5% | 54.5% |
Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this town's voters. Results: Victorian Electoral Commission, CC BY 4.0.
Looking at a specific address in Inverloch?
Every figure above is a town 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 6,526 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
Wonthaggi VIC 3995
Cape Paterson VIC 3995
Leongatha South VIC 3953
Outtrim VIC 3951
Wattle Bank VIC 3995
Pound Creek VIC 3996
Compare Inverloch 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 Inverloch
Is Inverloch a safe place to live?
Recorded crime in Inverloch is moderate (50/100, ranked against other VIC suburbs on offences per resident).
What natural hazards affect Inverloch?
Inverloch has no recorded bushfire history. Flood overlays cover a moderate share of it (47/100). These are town-wide figures; check the address, as flood and bushfire exposure change street by street.
Is Inverloch a good place to live?
Inverloch has a SuburbScan Liveability grade of B (50/100), 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 Inverloch?
Inverloch, VIC had a population of 6,526 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Inverloch, VIC?
The postcode for Inverloch, VIC is 3996.
How far is Inverloch from Melbourne?
Inverloch is 146 km from Melbourne CBD by road, about 114 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Inverloch?
At the 2021 ABS Census, median household income in Inverloch was $66,872 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 Inverloch?
The median advertised rent in Inverloch is $535 a week for houses (39 listings), from rental listings over the last six months.
What is the median age in Inverloch?
The median age of residents in Inverloch was 54 at the 2021 ABS Census.
How are the schools in Inverloch?
There is 1 school inside the Inverloch boundary: 1 at similar schools on NAPLAN, compared with same-state, same-type schools of similar socio-educational advantage (ICSEA).
What is the weather like in Inverloch?
At the nearest Bureau of Meteorology station to Inverloch, Wonthaggi (11.1 km away), summer days average 24.6°C, winter nights 6.9°C, 906 mm of rain a year over 119 rainy days, and 6 days a year above 35°C over 2006-2026.
Is the First Home Owner Grant available in Inverloch?
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 Inverloch belong to?
Inverloch sits within the Bass Coast local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Inverloch?
The average residential rates bill through Bass Coast is $1,727 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Inverloch?
Across Bass Coast, 393 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). These are LGA-level totals — every suburb in the council shares the same figure.
Which federal electorate is Inverloch in?
Inverloch sits within the federal Division of Monash, currently held by Mary Aldred (Liberal).
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
- 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.
Was the information on this page useful to you?
Thanks! Anything we could improve?
We hate spam as much as you do — we'll never use your email for marketing, and we might not be able to reply to everyone.
Thanks for your feedback! 🙏
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.