Mallacoota VIC Property Investment

Mallacoota has compounded at 4.4%/yr over 5 years. Median sits in the $672,000 (pending peer validation) band today. Properties are sitting on market for 45 days (roughly balanced conditions).

• Median house: $672,000 (pending peer validation) | Units: $311,549
• Gross yield: 16.2% | Net yield: 14.8%
• 5yr price CAGR: 4.4%/yr | 3yr forecast: 13.5%/yr
• Population: 1,183 | Owner-occupier rate: 78% | Affluence: Average

• Supply pipeline: Low — Price growth outpacing new supply, limited development pipeline

• Vacancy: 3.0% (stable) | Rental demand: Moderate
• Median weekly rent: $2,100/wk | Days on market: 45 (stable)
• Tenant market — vacancy elevated, negotiate hard on rent.

• Median nightly rate: $482/night | Occupancy: 48%
• Estimated annual STR gross: ~$84,369/yr
• vs long-term rent: $109,200/yr (comparable — LTR offers simpler management)

• No major confirmed infrastructure projects on record.
• Transport: Standard suburban transport access

If Mallacoota maintains 3%+ annual growth and vacancy stays below 2.1%, median prices could reach $772,800 within 3 years with yields compressing slightly as capital values rise.

A market correction or interest rate shock could see prices in Mallacoota pull back 10-15% from $672,000, with vacancy rising to 5.0% and rental yields softening as tenants gain leverage.

• Bushfire risk: HIGH (planning_overlay) — confirm BAL rating and any bushfire overlay obligations for the property
• - Distance from CBD may limit long-term capital growth potential

• Ardmona (VIC): $672,000 median, 1.9% yield, 7.5% 1yr growth
• Undera (VIC): $672,000 median, 1.9% yield, 7.5% 1yr growth
• Rawson (VIC): $672,000 median, 1.7% yield, 0.0% 1yr growth

Mallacoota offers balanced fundamentals but does not present an urgent buying signal. The market is in a boom phase with moderate vacancy risk. Monitor vacancy trends and price movements over the next 6-12 months. Only enter if a property can be acquired at or below median pricing with yields exceeding 16.8%.

• Entry range: $604,800 – $739,200
• Minimum gross yield to target: 16.6%
• Watch signal: vacancy dropping below 2% and days on market falling below 35

This analysis is for informational purposes only and does not constitute financial, legal, or investment advice. Seek professional advice before making investment decisions.