St Germains VIC 3620
St Germains is a rural locality in Victoria, 210 km from Melbourne CBD, around 2 hours 30 minutes by car. Population is 75; the median age is 44 and the median household income is $68,224 per year. On socioeconomic measures it sits in the bottom 20% nationally. The 2021 Census recorded a median rent of $225 per week and a median monthly mortgage of $1,850. The area shows high flood risk and high crime risk. Walkability is low.
This locality is too small to rate.
The Liveability Rating is calculated for suburbs of 500 residents or more, and this one has 75. Below that the school, census and safety figures behind the score cover too few people to rank fairly against the rest of the state. The individual measures further down this page are still shown.
How do you rate the liveability in St Germains?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
Not enough data to score this locality.
Residents say
…
Rental Market
Rental affordability
June quarter 2025123 Acceptable · the average rental household in this region would pay about 24% of its income on the median rent in postcode 3620.
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.
Is St Germains safe? Crime statistics
2026Crime in St Germains sits in the high band, with 2 incidents recorded in 2026 — down roughly 33% on the prior year.
2 offences
33.3% since 2025Crime Trend
Serious Road Crashes
2021–20252 crashes
where someone was killed or admitted to hospital
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
Walkability
St Germains 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 St Germains.
- Full-fibre (FTTP) share
- 0%
- Premises covered
- 25
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
Greater Shepparton: 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
St Germains is home to 75 residents, with a median age of 44, a touch above the national 38. Median household income runs at $68,000 a year, with unemployment at 0.0%.
2021 Census · change since 2016
Population
75
Median Age
44
Median Household Income
$68,224/yr
Census Median Rent
$225/wk
Census Median Mortgage
$1,850/mo
Avg Household Size
3.0
Median Personal Income
$24,856/yr
Unemployment Rate
0.0%
Unoccupied Dwellings
33.3%
Total Dwellings
21
Owner-Occupier Rate
70.0%
Houses
100.0%
Rental Stress
17.1%
Mortgage Stress
32.5%
Work From Home
25.0%
Dwelling Types
Property Ownership
Demographics
- Born in Australia
- 86.7%
- English Spoken at Home
- 92.0%
- Employment Rate
- 60.7%
- Completed Year 12
- 29.3%
Occupations
Religion
Age Distribution
Family & Household Composition
Commute to Work
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $2,449 a year through Greater Shepparton based on 2024 figures.
How this land is zoned
- Rural and farming 92%
- Parks and recreation 7%
- 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: Greater Shepparton
In the year to August 2026, 649 new dwellings were approved across Greater Shepparton. That mix is 506 houses and 143 units. Approvals are down 23.4% 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, 16.1 kmDry climate — hot summers, cold winters with occasional frost.
- Elevation
- 104 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.
EV adoption
In postcode 3620, 14 of 7,866 registered light vehicles are battery-electric on 31 January 2025. A further 1.8% (138 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 1.9%.
Rooftop solar
In postcode 3620, 1,967 rooftop-solar systems totalling 13.9 MW have been installed since 2001, against 3,589 dwellings recorded in the 2021 Census. 93 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.
11 first-home grants were paid in postcode 3620 in 2025-26, rank 82 of 298 Victorian postcodes. The most was 66, in 2001-02.
Grants on new and established homes; established homes stopped qualifying in mid-2013.
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 Peter Walsh The Nationals
Next state election: 28 November 2026.
| Year | Winner | Won with | 2PP ALP | 2PP LNP |
|---|---|---|---|---|
| 2022 | Peter Walsh NP | 61.8% | 27.1% | 72.9% |
| 2018 | Peter Walsh NP | 60.3% | 26.1% | 74.0% |
| 2014 | Peter Walsh NP | 63.3% | 27.6% | 72.4% |
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 St Germains?
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 75 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
Compare St Germains 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 St Germains
Is St Germains a safe place to live?
Recorded crime in St Germains is high (83/100, ranked against other VIC suburbs on offences per resident). Offences against shops, venues and visitors are divided by the people who live here, so suburbs with large daytime or visitor populations rank higher than living there may feel.
What natural hazards affect St Germains?
St Germains 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 (99/100). These are locality-wide figures; check the address, as flood and bushfire exposure change street by street.
What is the population of St Germains?
St Germains, VIC had a population of 75 at the 2021 Australian Bureau of Statistics census.
What is the postcode for St Germains, VIC?
The postcode for St Germains, VIC is 3620.
How far is St Germains from Melbourne?
St Germains is 210 km from Melbourne CBD by road, about 151 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in St Germains?
At the 2021 ABS Census, median household income in St Germains was $68,224 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 St Germains?
There are too few current rental listings in St Germains for a reliable median. At the 2021 ABS Census the median weekly rent was $225, across all dwelling types.
What is the median age in St Germains?
The median age of residents in St Germains was 44 at the 2021 ABS Census.
Is St Germains at risk of bushfire?
St Germains 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.
What is the weather like in St Germains?
At the nearest Bureau of Meteorology station to St Germains, Kyabram (16.1 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 St Germains?
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 St Germains belong to?
St Germains sits within the Greater Shepparton local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in St Germains?
The average residential rates bill through Greater Shepparton is $2,449 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near St Germains?
Across Greater Shepparton, 649 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's down 23.4% 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 St Germains in?
St Germains sits within the federal Division of Nicholls, currently held by Sam Birrell (The Nationals).
Search another suburb or address
Data freshness
- Census · 2021
- 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.
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.