Bridgewater On Loddon, Loddon: zoning, flood risk, school zones and what to check before you buy
Valuer-General Victoria doesn't report a median house or unit price for Bridgewater On Loddon: too few sales. Median rent: $215 a week (ABS Census 2021, older than the price figures). Postcode 3516.
What stands out: Part of Bridgewater On Loddon is under a Floodway Overlay; a flood-related overlay covers 28% of the suburb's land (Vicmap Planning).
Page updated
- Zoning: mostly Township zone (TZ), 40% of the land
- Planning change: no rezoning or new overlays recorded since 2017
- School zones: parts of Bridgewater On Loddon are zoned for Bridgewater Primary School (primary); Bendigo Senior Secondary College and Eaglehawk Secondary College (+1 more) (secondary)
- Getting there: nearest train station about 24.6 km from the suburb centre
- Median rent
- $215/wk
- Census 2021 (older)
- Census 2021 median, all rented homes
- Four years older than the price figures; not directly comparable.
- ABS Census 2021
- Planning risk
- Flood 28% HighBushfire 0% Very lowHeritage 6% Low
- share of suburb land area
- 3 suburb-specific overlays to check
- Vicmap Planning
- Getting around
- 24.6 km to nearest station
- 1 zoned primary, 3 secondary schools
- PTV timetable data · Victorian Department of Education school zones
Check an address in Bridgewater On LoddonCompare with another suburb
Bridgewater On Loddon is a small community with a median age of 50, less socio-economically advantaged than most areas on the ABS's SEIFA index. Housing here is overwhelmingly standalone houses. The area is still light on cafés, shops and other everyday amenity. It's not served by train or tram. House sales here are too infrequent for a reliable median — see the unit and land figures below.
Ready to look at a specific property here? See the due diligence hub for what to verify before you sign.
Scope: Victoria, Australia. Suburb data here is Victorian (state valuer, rental, planning and school records); regional Victoria comparison group.
In this profile
- Planning and riskZones, overlays, flood and bushfire, and what is planned nearby, with an address check.
- Prices and rentsMedian prices and rents, how they have moved, and sales volume.
- SchoolsThe government school zones that cover the suburb.
- Living hereTransport, commute times, who lives here and the suburbs nearby.
- Before you buyThe checks every purchase needs, common questions and guides.
Is Bridgewater On Loddon in a flood, bushfire or heritage area?
Bridgewater On Loddon has relatively light heritage-overlay coverage (about 6%), though it can still apply to individual parcels. It also carries meaningful flood-overlay coverage (about 28% of the suburb).
Suburb-wide shares of the land, not a check of any one address.
Flood-related overlays can add building rules and raise insurance cost.
Share of the suburb. Source: Vicmap Planning · Verify this address
If it applies it adds bushfire construction requirements (a BAL rating) and cost.
Share of the suburb. Source: Vicmap Planning · Verify this address
In a designated bushfire prone area a minimum construction standard applies to new homes, based on the bushfire attack level (BAL). (Department of Transport and Planning (Victoria), verified 22 Oct 2026) So building or rebuilding there means working out the home’s BAL and pricing in what meeting it costs.
Share of the suburb. Source: Designated Bushfire Prone Area (DataVic) · Verify this address
Changes to the outside of a building, and demolition, need council approval. 4 named overlay areas (HO12, HO14, HO13 +1 more).
Share of the suburb. Source: Vicmap Planning · Verify this address
Worth checking in Bridgewater On Loddon
Floodway
Part of Bridgewater On Loddon is in a Floodway Overlay — the most serious flood control, where building can be restricted or refused. Make sure the property isn’t within it.
Possible Heritage Overlay
Around 6% of Bridgewater On Loddon is heritage-overlaid. Verify whether this parcel is affected — it limits what you can change and adds permit steps to any renovation.
Flood / inundation overlay risk
Roughly 28% of Bridgewater On Loddon carries a flood-related overlay. Confirm the land isn’t in a Land Subject to Inundation Overlay (LSIO) or Special Building Overlay (SBO) — both affect insurance, build height and what you can construct.
Zoning mix and building controls
Land use across the suburb (planning zones)
- Zoning
- Residential
- mostly Township Zone (TZ) · 40% of the suburb
Planning changes in Bridgewater On Loddon: none recorded since 2017
No zone changes or new planning overlays have been recorded on land in Bridgewater On Loddon since 2017 — its planning rules have stayed put over the period we track. That stability is itself worth knowing.
Source: Vicmap Planning Scheme History (2017–present). How Melbourne’s zoning actually changed over the decade →
- Suburb
Layers on this map, as a table
| Layer | Share of suburb | Source |
|---|---|---|
| Suburb boundary | The whole suburb | ABS SAL 2021 |
Overlay colours reflect how much of the suburb an overlay covers — green under ~8%, amber ~8–20%, red above 20%. Public-acquisition, contamination (EAO) and floodway overlays are listed above under "Worth checking" wherever they apply, because even a small area can include a specific property. Source: Vicmap Planning. What do these terms mean? · How to verify planning controls for an address
What do homes cost in Bridgewater On Loddon?
Bridgewater On Loddon has too few recorded sales for a reliable median. Typical rent is $215/wk (Census 2021).
Show recorded crime and amenity-density comparisons
Which school zones cover Bridgewater On Loddon?
Parts of Bridgewater On Loddon fall within 1 primary and 3 secondary government school catchments. 1 school is located within the suburb (1 government).
Government schools have address-based catchment zones; Catholic and independent schools set their own enrolment processes.
| Zone | Covers | Boundary | |
|---|---|---|---|
| Primary school zones | |||
| Bridgewater Primary School | 100% | — | |
| Secondary school zones | |||
| Wedderburn College | 74% | — | |
| Bendigo Senior Secondary College | 26% | — | |
| Eaglehawk Secondary College | 26% | — | |
How well connected is Bridgewater On Loddon?
0 train, 0 tram and 4 bus stop points sit inside the suburb (PTV timetable data).
- Getting around
- 0 train · 0 tram · 4 bus
- nearest train station ~24.6 km · counts are stop points, not stations (a station is often several)
- Train frequency
- every 120 min
- at the nearest station, weekday AM peak
- Tram frequency
- every 4 min
- at the nearest stop, weekday AM peak
- Schools
- 1
- primary & secondary
- Nearest Centrelink
- ~35 km
- outside the suburb
Everyday amenity (OpenStreetMap)
- Cafés & amenity density
- 1 cafés
- Low café & amenity density — likely more car-dependent
- Restaurants
- 0
- places to eat nearby
- Supermarkets
- 0
- grocery stores nearby
- Pharmacies
- 0
- chemists nearby
- Parks
- 3
- green space nearby
- Childcare
- 0
- centres nearby
- GP & medical centres
- 0
- nearby
Who lives in Bridgewater On Loddon?
— 341 residents · median age 50 · 82% own their home · SEIFA 3/10
- Population
- 341
- usual residents (Census 2021)
- Owner-occupied
- 82%
- 82% own, private rental not reliably reported for areas this small, 0% social, 18% other or not stated
- Median age
- 50 yrs
- of residents
- Personal income
- $609/wk
- median, per week
- Household income
- $1,242/wk
- median, per week
- Avg household size
- 2.2 people
- people per home · 13% live alone
- Monthly mortgage
- $1,083/mo
- median repayment
- Taxpayer income
- $46,270/yr
- median taxable income, per year (ATO)
- Population growth
- no data
- Recorded crime
- 66 per 1,000 residents
- a year, across all of Loddon council, not just Bridgewater On Loddon · lower than most VIC councils
In Bridgewater On Loddon itself: 40 recorded offences in the year to 2026 (Crime Statistics Agency, matched by suburb name and postcode — a closer figure than the council-wide band above, though still a count, not a rate per resident).
Offence category mix (Loddon council's mix, latest year):
- Property and deception offences59%
- Crimes against the person15%
- Justice procedures offences15%
- Public order and security offences6%
- Drug offences5%
Recorded offences by year, Bridgewater On Loddon (up 150% since 2019):
| Year | Offences |
|---|---|
| 2019 | 16 |
| 2020 | 21 |
| 2021 | 30 |
| 2022 | 23 |
| 2023 | 23 |
| 2024 | 33 |
| 2025 | 36 |
| 2026 | 40 |
- Median household incomeup 44%
- Median personal incomeup 21%
- Median weekly rentup 19%
- Median ageyounger by 3 years
How advantaged the area is
Deciles 1–10 vs all Victorian areas — 10 = most advantaged — from the ABS SEIFA index. A demographic measure, not a house-price one. These three don’t always move together — a suburb with lots of renters or students, for example, can score high on education but lower on income and housing costs.
- Overall advantage
- 3/10
- Less advantaged than most
- Economic resources
- 3/10
- income, housing costs & wealth
- Education & occupation
- 4/10
- qualifications & skilled jobs
The homes here
Mix of dwelling types across the suburb (Census 2021)
Who owns and rents here (Census 2021)
More detail on building height and bedroom mix (Census 2021)
Bedroom mix (share of all occupied dwellings):
- Studio or 1 bedroom: 4%
- 2 bedrooms: 25%
- 3 bedrooms: 52%
- 4 or more bedrooms: 21%
Not sure whether a house, townhouse or apartment suits you? Decide what to buy →
Recorded crime is a council-wide rate — every offence police logged over the latest year (theft, property damage, drug and traffic offences and the like, not only violent crime) divided by the council’s residents. A broad area signal, not a figure for this exact street.
All figures are suburb-level indicators, not property-specific — always confirm the exact address on the Section 32. Sources: ABS Census 2021, Valuer-General Victoria, DFFH Rental Report, Crime Statistics Agency Victoria, Vicmap Planning, Victorian Government UDP, Victorian Department of Education (schools & zones, via data.vic, CC BY 4.0), OpenStreetMap.
Suburbs near Bridgewater On Loddon
The 6 closest suburbs with a Delora page, by distance between suburb centres.
What should I check before buying in Bridgewater On Loddon?
Overlay and pipeline checks specific to Bridgewater On Loddon are in the Planning and risk tab. Two checks apply to every purchase.
Easements & covenants
Check Section 3 for easements (e.g. drainage/sewer along a boundary — you usually can’t build over them) and restrictive covenants (single-dwelling, materials, height) that limit your plans.
Owners corporation (if applicable)
Apartments and many townhouses in Bridgewater On Loddon are in an owners corporation. If so, the statement must include its certificate — review annual fees, any special levies, the maintenance fund and insurance.
Already under contract in Bridgewater On Loddon?
Questions about Bridgewater On Loddon
What postcode is Bridgewater On Loddon?
Bridgewater On Loddon is in postcode 3516, in the Loddon council area, Victoria.
What is the population of Bridgewater On Loddon?
Bridgewater On Loddon had 341 usual residents at the 2021 Census (ABS), with a median age of 50.
Is Bridgewater On Loddon in a flood zone?
About 28% of Bridgewater On Loddon's land is under a flood-related planning overlay (LSIO, SBO or floodway), and less than 1% is under the Bushfire Management Overlay (Vicmap Planning). These are suburb-wide shares: whether an overlay applies to one property depends on the address, so check it on VicPlan and in the Section 32.
Show all 4 more questions
What should I check in a Section 32 for Bridgewater On Loddon?
For Bridgewater On Loddon, pay particular attention to heritage overlays (about 6% of the suburb is affected), any flood-related overlay (about 28% of the land), easements and restrictive covenants on the title, and — for apartments — the owners-corporation certificate with its fees and any special levies.
Does Bridgewater On Loddon have heritage overlays?
Around 6% of Bridgewater On Loddon sits under a Heritage Overlay — common enough that it's worth confirming whether it applies to this specific parcel. It restricts demolition, extensions and even exterior paint colours, and a permit is needed for changes.
How is Bridgewater On Loddon zoned?
Most of Bridgewater On Loddon (40% of the land) is in the TZ (TZ), then LDRZ (15%) and FZ (13%) (Vicmap Planning). The zone and its schedule set what can be built; check the exact zone for an address on VicPlan.
Which school zones cover Bridgewater On Loddon?
Parts of Bridgewater On Loddon are in the government school zones for primary: Bridgewater Primary School; secondary: Bendigo Senior Secondary College, Eaglehawk Secondary College, Wedderburn College (Victorian Department of Education school zones). A suburb can span several zones: the exact address decides which applies, so confirm it at findmyschool.vic.gov.au.
Guides for buying in Bridgewater On Loddon
The heritage, flood and bushfire figures in Planning and risk are suburb-wide — they tell you how common an overlay is here, not whether it applies to one specific address. Confirm via VicPlan and an in-person inspection before you rely on them.
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