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Oct–Dec 2025 · free to cite with attribution
Safest affordable suburbs, best school-access value and fastest-growing suburbs under $800,000, ranked from 17+ state and federal government data sources that no single agency publishes together.
15,334
Australian suburbs covered
17+
government data sources consolidated
$103,480
unweighted May 2025 occupation-group reference
Oct–Dec 2025
median sale-price snapshot
The reference income is the unweighted median of 31 available JSA occupation-group weekly earnings medians, annualised by 52 from May 2025. It is a comparison scenario, not population-weighted or current pay.
Suburbs rated Comfortable or Achievable for a $103,480 income with a $100,000 deposit, ranked by the safety signal (recorded offences per 1,000 residents, last 12 months, percentile within the state). This affordability filter needs a median sale-price observation in the dated snapshot, and only NSW, VIC and SA publish an openly licensed one we can republish (Oct–Dec 2025). QLD, WA, TAS, NT and ACT aren't ranked here for that reason, not because they lack a safety feed.
| Suburb | Median price | Safety score |
|---|---|---|
| HardenNSW | $374,000 | 44/100 |
| WalchaNSW | $423,000 | 44/100 |
| BingaraNSW | $374,000 | 39/100 |
| Suburb | Median price | Safety score |
|---|---|---|
| MortlakeVIC | $375,000 | 95/100 |
| CorryongVIC | $362,500 | 93/100 |
| TerangVIC | $372,500 | 81/100 |
No priced SA suburb currently rates Comfortable or Achievable at this income and deposit. That's the result, not a data gap.
The cheapest suburbs nationally with a schools score of 70+ (close to multiple government primary and secondary schools), across NSW, VIC, QLD, SA and WA.
| Suburb | Median price | Schools score |
|---|---|---|
| St ArnaudVIC | $262,500 | 72/100 |
| KandosNSW | $360,000 | 70/100 |
| NathaliaVIC | $372,500 | 74/100 |
| StawellVIC | $386,000 | 86/100 |
| MorwellVIC | $392,500 | 71/100 |
| MoeVIC | $420,000 | 78/100 |
| HamiltonVIC | $445,000 | 85/100 |
| PortlandVIC | $450,000 | 80/100 |
| NewboroughVIC | $480,000 | 92/100 |
| Long GullyVIC | $490,000 | 78/100 |
Ranked by the growth signal (5-year population growth and recent dwelling approvals, ABS SA2-level data) among suburbs with a median sale-price snapshot under $800,000.
| Suburb | Median price | Growth score |
|---|---|---|
| TarneitVIC | $675,000 | 94/100 |
| WerribeeVIC | $680,000 | 94/100 |
| Clyde NorthVIC | $757,000 | 94/100 |
| WollertVIC | $725,000 | 94/100 |
| Wyndham ValeVIC | $615,000 | 94/100 |
| LaraVIC | $715,000 | 94/100 |
| OfficerVIC | $775,000 | 94/100 |
| MicklehamVIC | $717,000 | 94/100 |
| WallanVIC | $650,000 | 94/100 |
| GrovedaleVIC | $740,500 | 94/100 |
Median sale prices are from official state publications (Oct–Dec 2025). Schools, safety, health and growth signals are assembled from state education departments, state police/crime agencies, Geoscience Australia and the ABS, last refreshed 11 October 2026. The full source list is on the Family Suburb Fit Finder. Rankings use a $103,480 reference income (the median salary across our tracked occupations). Run the finder with your own income and deposit for a ranking on your own numbers.
You’re welcome to reference these figures with a link. The underlying sources carry different licences (mostly CC BY 4.0, several CC BY 3.0 AU) rather than one uniform term. See the full attribution list on the methodology page for each source’s own terms. Suggested citation: “The Family Suburb Index, Oct–Dec 2025, Oz Finance Hub, ozfinancehub.com.au/suburb-family-index”.