VIC3809· Pop. 18,503Cardinia

OFFICER

MaturePremium-priced suburb — lower upside but defensive and liquid

Investor score

49

Liveability score

47

Vacancy rate is a modelled estimate. Price, rent and annual growth use real government data (see source labels on each card). This is not financial advice. See full disclaimer.

Median price

Real

$760,000

Verified research · 2026

Rent yield

Real

4.1%

computed from govt data

Annual growth

Real

4.8%

annualised from govt data

Vacancy rate

Est.

1.6%

modelled estimate

AI insights for OFFICER

Investment analysis, risks & comparisons

PREMIUM

OFFICER shows strong investment fundamentals with above-average rental demand and a tightening supply pipeline. The gentrification index of 67/100 signals continued capital appreciation potential, particularly within 600m of the main retail and transit corridor.

Key risk: elevated auction clearance volatility over the past two quarters suggests shifting buyer sentiment. Net yield after typical holding costs sits at approximately 3.6%, below the state median of 4.1% — factor this into cash-flow modelling.

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Median price sourced from Verified research · 2026 — real government transaction data. Growth, demand and vacancy figures remain modelled estimates.

Median rent

$599/wk

DFFH Moving Annual Rent · Sep 2025

Demand change

+4.2%

annual shift

Yield × growth index

4.5

combined signal

Net yield (est.)

1.49%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

+2.3%

est. compound, long-run avg

10-yr growth (CAGR)

+4.2%

est. compound, long-run avg

Rental demand

60 / 100

Strong demand

Supply pipeline

Est.

1.2%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020
$770k
2021
$703k
2022
$850k
2023
$865k
2025
$865k
2026
$760k

Source: Verified research · 2026 · all sources

Market overview

OFFICER is a metropolitan VIC suburb with steady capital growth momentum and moderate rental yield. Strong infrastructure, employment access, and lifestyle amenities support ongoing investment demand.

Highlights

  • Metro VIC suburb with strong infrastructure and transport
  • Rental yield 4.1% with stable tenant demand
  • Consistent annual growth of 4.8%
  • Access to national transport network and amenities

Risk factors

  • Subject to broader interest rate and economic conditions

Community profile

Source: ABS Census 2021 · ATO 2022–23

Median household income

$2,123/wk

$89k taxable p.a.

Renters

26.5%

71.4% owner-occupier

Median age

31.0 yrs

Unemployment

4.0%

Population growth

+3.6% p.a.

Investor-owned

11.0%

of all dwellings (ATO)

Houses

49%

36% apartments

Degree qualified

45.0%

bachelor's or higher (ABS)

Work from home

16.8%

of employed residents (ABS Census)

Median lot size

390 m²

Compact block

Household size

2.3 persons

avg per dwelling (ABS Census)

Short-term rental

5.8%

Some Airbnb activity

Market activity

Distance to CBD

48.2 km

Regional

Days on market

27 days

Normal turnover

Auction clearance

75.8%

Strong demand

Walkability

8 / 100

Car-dependent

Coastal proximity

29.0 km

Coastal fringe

NBN technology

FTTP

Fastest — full fibre to premises

Population density

997/km²

Suburban

Schools in postcode 3809

🏫7 Primary🎓1 Secondary1 Special
ACARA 2025

🏫Primary (7)

St Brigid's School

Catholic · Yrs Prep-6 · Major Cities

ICSEA 1082(79%)
375 students15:1 student–teacher51% girls30% top SEA quarter

Bridgewood Primary School

Government · Yrs Prep-6 · Major Cities

ICSEA 1054(70%)
570 students14:1 student–teacher49% girls23% top SEA quarter

Kurrun Primary School

Government · Yrs Prep-6 · Major Cities

ICSEA 1054(70%)
321 students14:1 student–teacher50% girls24% top SEA quarter

St Clare's Primary School

Catholic · Yrs Prep-6 · Major Cities

ICSEA 1040(64%)
584 students15:1 student–teacher49% girls16% top SEA quarter

Orchard Park Primary School

Government · Yrs Prep-6 · Major Cities

ICSEA 1023(57%)
359 students14:1 student–teacher47% girls15% top SEA quarter

Officer Primary School

Government · Yrs Prep-6 · Major Cities

ICSEA 1010(52%)
141 students14:1 student–teacher48% girls11% top SEA quarter

Kurmile Primary School

Government · Yrs Prep-6 · Major Cities

ICSEA 1008(51%)
107 students11:1 student–teacher54% girls12% top SEA quarter

🎓Secondary (1)

Officer Secondary College

Government · Yrs 7-12 · Major Cities

ICSEA 1012(52%)
998 students12:1 student–teacher51% girls13% top SEA quarter

Special (1)

Officer Specialist School

Government · Yrs U · Major Cities

ICSEA 999(46%)
355 students6:1 student–teacher28% girls13% top SEA quarter

ICSEA measures the socio-educational background of each school's student community — not academic results or school quality. National average = 1000. Source: ACARA My School 2025.

Liveability & safety

Safety index

High crime
16/ 100

11.9 offences / 100 persons

Source: VIC Crime Statistics Agency · Dec 2025

School quality

Average
1031ICSEA · national avg 1000

9 schools in postcode area

Source: ACARA My School 2025

Transit access

Excellent
87/ 100
🚆 1 train🚃 17 tram🚌 18 bus

Source: State GTFS feeds

Gentrification signal

32

/ 100

Early signs

Early-stage signals only. Watch for rising rents, new café activity, and building application increases as leading indicators.

Composite: education premium · youth cohort · rental activity · price gap · transit quality

Environmental risk

🌊

Flood risk

none

Source: State GIS flood zone data

🔥

Bushfire risk

low

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

low

Coastal exposure + state climate

Live suburb intelligence

Fetching live data…

Location

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