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Geelong, VIC - Cashflow & Holding Cost Report

Explore an investment property rental cashflow, ownership costs, tax deductions and depreciation for Geelong, Victoria. Use Propmax.com.au’s to forecast repayments, yields, and after-tax cash position over 30 years.
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Suburb
Geelong, Victoria
Median Price
$750,000
Median Weekly Rent
$520
Capital Growth
6.3%
Rental Yield
3.6%
Investment Grade
A-
Geelong is one of the hottest property markets in regional Victoria, driven by strong internal migration from Melbourne and other areas seeking lifestyle and affordability. Its proximity to beaches, vibrant cultural scene, and infrastructure developments like the Geelong Waterfront enhance its appeal. High demand and low vacancy rates support strong rental yields, though slightly moderated by competitive pricing compared to other regional hubs.
Affordability
Moderate
Geelong offers a balance of affordability and lifestyle, attracting first-home buyers and investors moving from pricier Melbourne markets. Median prices are higher than some regional areas but remain competitive for a city with strong employment opportunities and amenities. Large block sizes and ongoing urban renewal projects add to its long-term value, though rising demand may gradually reduce affordability.
Estimated Holding Cost Before Tax (weekly):
$413/week
Estimated Holding Cost After Tax (weekly):
$208/week
Estimated Holding Cost (annual):
$8,500 – $14,000

Geelong Investment Summary

Geelong, located 75 km south-west of Melbourne’s CBD, is one of the hottest property markets in regional Victoria with median house prices around $750,000. This vibrant coastal city offers typical rents around $520 per week, delivering a solid gross yield of ~3.61%. With a 10-year average capital growth of ~6.25% p.a., Geelong is a magnet for internal migration from Melbourne, driven by its affordability, lifestyle appeal, and ongoing infrastructure developments, making it a top choice for first-home buyers and investors.

  • Pros:

    • Competitive affordability compared to Melbourne, attracting buyers seeking lifestyle and value.
    • Strong rental demand with low vacancy rates, fueled by internal migration and a growing employment hub.
    • Large block sizes and urban renewal projects, like the Geelong Waterfront, enhance long-term value.
    • Proximity to beaches, a vibrant cultural scene, and infrastructure like the Geelong Ring Road and fast rail to Melbourne.

  • Cons:

    • Median prices are higher than some other regional Victorian markets, reflecting strong demand.
    • Commute to Melbourne CBD (via V/Line or car) takes longer than inner-city suburbs.
    • Some areas may lack the premium amenities found in Melbourne’s more established suburbs.

Geelong stands out as a prime opportunity for first-home buyers and investors seeking a balance of affordability and lifestyle in a rapidly growing regional hub. Its coastal charm, strong employment opportunities, and ongoing development make it a standout investment destination, though rising demand may push prices higher in the coming years.

Geelong Cashflow & Holding Cost Report

This comprehensive Geelong Cashflow & Holding Cost Report models the long-term financial performance of a quality townhouse in Geelong, featuring 30-year cashflow projections, equity growth, tax impact, and full depreciation breakdowns — all powered by Propmax.com.au.

2/4-6 Hazel Street, Geelong, Belmont VIC 3216 is a well-positioned 3-bedroom, 2-bathroom, 2-car townhouse with a modern 170 sqm layout, purchased at $700,000.

  • Weekly Rent: ~$550 (yield ~4.08%) in a tight market with 1% vacancy
  • Capital Growth: ~5.4% p.a. | Rent Growth: ~2% p.a
  • Annual Holding Costs: ~$10,789 after tax, or ~$207/week after tax (in year of purchase)
  • Depreciation Benefits: ~$6,250 per year (building depreciation only)
  • Land Tax Exposure: Moderate, due to townhouse configuration

For investors earning around $150,000, this property offers significant depreciation-driven tax savings, with negative gearing reducing after-tax holding costs to ~$10,789/year or ~$207/week in the year of purchase. Belmont, located in the heart of Geelong, is one of the hottest markets in regional Victoria, attracting strong internal migration from Melbourne due to its affordability, proximity to the Geelong CBD, and lifestyle amenities like the Barwon River and Waurn Ponds Shopping Centre.

This Geelong Cashflow & Holding Cost Report is based on actual property data and built using Propmax.com.au’s Investment Property Cashflow Calculator.

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