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Frankston, VIC - Cashflow & Holding Cost Report

Explore an investment property rental cashflow, ownership costs, tax deductions and depreciation for Frankston, Victoria. Use Propmax.com.au’s to forecast repayments, yields, and after-tax cash position over 30 years.
Check Frankston Holding Costs
Suburb
Frankston, Victoria
Median Price
$735,000
Median Weekly Rent
$550
Capital Growth
6.5%
Rental Yield
4.1%
Investment Grade
B
Strong rental demand and low vacancy rates, supported by a growing population and coastal lifestyle appeal. Solid long-term capital growth based on 10-year average. Rapid gentrification is transforming the area with new developments and improved amenities, enhancing its investment potential.
Affordability
Moderate
More affordable than inner Melbourne suburbs, with a median price accessible for investors and first-home buyers. Considered one of the last affordable bayside suburbs, though high affordability index and ongoing gentrification may pose challenges over time.
Estimated Holding Cost Before Tax (weekly):
$269/week
Estimated Holding Cost After Tax (weekly):
$163/week
Estimated Holding Cost (annual):
$8,500 – $14,000

Frankston Investment Summary

Frankston, located 41 km south-east of Melbourne’s CBD in the heart of the Mornington Peninsula gateway, is one of the last affordable bayside suburbs undergoing rapid gentrification. Median house prices sit at $735,000, with typical rents around $550 per week, supporting a gross yield of ~4.07%. The suburb has seen a solid 10-year average capital growth of ~6.5% p.a., driven by its coastal lifestyle, improving amenities, and proximity to the Mornington Peninsula’s premium markets.

  • Pros:

    • More affordable than other bayside suburbs like Brighton or Sandringham.
    • Rapid gentrification with new cafes, retail, and waterfront precinct upgrades.
    • Strong rental demand due to low vacancy rates and growing population.
    • Proximity to Mornington Peninsula, offering lifestyle and tourism appeal.

  • Cons:

    • Longer commute to Melbourne CBD (via Frankston line or M3).
    • Some areas still transitioning, with mixed property quality.
    • Potential affordability pressure as gentrification accelerates.

Frankston North Property Investment Analysis

This detailed Frankston North Property Investment Analysis provides a 30-year financial outlook for a quality house in Melbourne’s south-east, including cashflow projections, equity appreciation, tax implications, and depreciation benefits — all driven by Propmax.com.au.

128 Monterey Boulevard, Frankston North VIC 3200 is a strategically located 3-bedroom, 1-bathroom, 2-car house on a generous 586 sqm block, acquired for $710,000.

  • Weekly Rent: ~$550 (yield ~4.42%) in a low-vacancy market of 1%

  • Capital Growth: ~5.1% annually | Rent Growth: ~2% annually

  • Annual Holding Costs: ~$13,105 after tax, or ~$252/week after tax (year of purchase)

  • Depreciation Benefits: ~$2,667 per year (based on general fittings)

  • Land Tax Exposure: Moderate, given the property’s configuration

For investors with an annual income of approximately $150,000, this property delivers modest tax savings through depreciation and negative gearing, lowering after-tax holding costs to ~$13,105 annually or ~$252 weekly in the year of purchase. As one of Melbourne’s last affordable south-east suburbs, Frankston North appeals to first-home buyers and investors with its large lot sizes, proximity to Seaford Beach, and ongoing urban renewal, enhancing its investment potential.

This Frankston North Property Investment Analysis leverages real property data and is generated using Propmax.com.au’s Investment Property Cashflow Calculator.

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