Cardinia, Cardinia council: 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 Cardinia: too few sales. Median rent: $390 a week (ABS Census 2021, older than the price figures). Postcode 3978.
What stands out: Part of Cardinia is under a Floodway Overlay; a flood-related overlay covers 96% of the suburb's land (Vicmap Planning).
Page updated
- Zoning: mostly Green Wedge zone (GWZ1), 89% of the land
- Planning change: a new overlay since 2017, latest in 2021 (details)
- School zones: parts of Cardinia are zoned for Cardinia Primary School and Kulap Primary School (+2 more) (primary); Birranga College and Clyde Secondary College (+4 more) (secondary)
- Getting there: nearest train station about 8.1 km from the suburb centre
- Median rent
- $390/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 96% Very highBushfire 0% Very lowHeritage 0% Very low
- share of suburb land area
- 2 suburb-specific overlays to check
- Vicmap Planning
- Getting around
- 8.1 km to nearest station
- 4 zoned primary, 6 secondary schools
- PTV timetable data · Victorian Department of Education school zones
Cardinia is a small community with a median age of 44, around the state average on the ABS's SEIFA index of socio-economic advantage. Housing here is overwhelmingly standalone houses. The area is still light on cafés, shops and other everyday amenity. It's some distance from the CBD, with no train or tram service recorded — day-to-day travel here generally means driving. 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); Greater Melbourne 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 Cardinia in a flood, bushfire or heritage area?
Cardinia has relatively light heritage-overlay coverage (about 0%), though it can still apply to individual parcels. It also carries meaningful flood-overlay coverage (about 96% 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. 6 named overlay areas (HO153, HO157, HO158 +3 more) — oldest gazetted 2016.
Share of the suburb. Source: Vicmap Planning · Verify this address
Worth checking in Cardinia
Floodway
Part of Cardinia 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.
Flood / inundation overlay risk
Roughly 96% of Cardinia 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
- Rural / Green
- mostly Green Wedge Zone – Schedule 1 (GWZ1) · 89% of the suburb
Planning overlays that can affect building, renovating or removing vegetation somewhere in Cardinia — confirm whether any apply to the specific address.
- Design & Development Overlay — height, setback or design rules on new building
- Vegetation Protection Overlay — a permit is needed to remove or lop protected trees
Planning changes in Cardinia: 1 recorded since 2017
Planning controls on land in Cardinia have changed since 2017. Each row below is one gazetted amendment — a batch of parcels changed together in the same notice, not a single lot — the kind of thing that moves land value and that portals don’t show.
Source: Vicmap Planning Scheme History (2017–present); parcel-level zone & overlay changes grouped by suburb, zone transition and gazettal batch. A suburb-level record — confirm the specific parcel. See how Melbourne’s zoning changed over the decade →
- Suburb
- Heritage
- Flood
Layers on this map, as a table
| Layer | Share of suburb | Source |
|---|---|---|
| Suburb boundary | The whole suburb | ABS SAL 2021 |
| Heritage overlay | 0% | Vicmap Planning |
| Flood overlay | 96% | Vicmap Planning |
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 Cardinia?
Cardinia has too few recorded sales for a reliable median. Typical rent is $390/wk (Census 2021).
Show recorded crime and amenity-density comparisons
Which school zones cover Cardinia?
Parts of Cardinia fall within 4 primary and 6 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 | |||
| Cardinia Primary School | 95% | — | |
| Topirum Primary School | 5% | — | |
| Secondary school zones | |||
| Birranga College | 66% | — | |
| Edenbrook Secondary College | 13% | — | |
| Koo Wee Rup Secondary College | 13% | — | |
| Clyde Secondary College | 8% | — | |
How well connected is Cardinia?
no train, tram or bus stops sit inside the suburb (PTV timetable data).
- Distance to the CBD
- ~54 km
- from the suburb centre
- Getting around
- 0 train · 0 tram · 0 bus
- nearest train station ~8.1 km · counts are stop points, not stations (a station is often several)
- Train frequency
- every 10 min
- at the nearest station, weekday AM peak
- Tram frequency
- every 11 min
- at the nearest stop, weekday AM peak
- Schools
- 1
- primary & secondary
- Nearest Centrelink
- ~12 km
- outside the suburb
Everyday amenity (OpenStreetMap)
- Cafés & amenity density
- 0 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
- 0
- green space nearby
- Childcare
- 0
- centres nearby
- GP & medical centres
- 0
- nearby
Who lives in Cardinia?
— 342 residents · median age 44 · 84% own their home · SEIFA 6/10
- Population
- 342
- usual residents (Census 2021)
- Owner-occupied
- 84%
- 84% own, 8% private rent, 0% social, 8% other or not stated
- Median age
- 44 yrs
- of residents
- Personal income
- $693/wk
- median, per week
- Household income
- $1,875/wk
- median, per week
- Avg household size
- 2.9 people
- people per home · 80% family households
- Monthly mortgage
- $1,950/mo
- median repayment
- Taxpayer income
- $56,901/yr
- median taxable income, per year (ATO)
- Population growth
- no data
- Recorded crime
- 79 per 1,000 residents
- a year, across all of Cardinia council, not just Cardinia · around the state average
In Cardinia itself: 51 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 (Cardinia council's mix, latest year):
- Property and deception offences57%
- Crimes against the person18%
- Justice procedures offences17%
- Public order and security offences5%
- Drug offences3%
- Other offences0%
Recorded offences by year, Cardinia (up 4% since 2019):
| Year | Offences |
|---|---|
| 2019 | 49 |
| 2020 | 37 |
| 2021 | 59 |
| 2022 | 58 |
| 2023 | 25 |
| 2024 | 24 |
| 2025 | 34 |
| 2026 | 51 |
- Median household incomeup 32%
- Median personal incomeup 16%
- Median weekly rentup 8%
- Median ageabout the same
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
- 6/10
- Around the Victorian average
- Economic resources
- 7/10
- income, housing costs & wealth
- Education & occupation
- 5/10
- 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):
- 2 bedrooms: 3%
- 3 bedrooms: 38%
- 4 or more bedrooms: 55%
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 Cardinia
The 6 closest suburbs with a Delora page, by distance between suburb centres.
What should I check before buying in Cardinia?
Overlay and pipeline checks specific to Cardinia 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 Cardinia 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 Cardinia?
Questions about Cardinia
What postcode is Cardinia?
Cardinia is in postcode 3978, in the Cardinia council area, Victoria.
What is the population of Cardinia?
Cardinia had 342 usual residents at the 2021 Census (ABS), with a median age of 44.
Is Cardinia in a flood zone?
About 96% of Cardinia'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 Cardinia?
For Cardinia, pay particular attention to any heritage overlay (none mapped at suburb level — check the specific parcel), any flood-related overlay (about 96% 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 Cardinia have heritage overlays?
No heritage overlay coverage was mapped for Cardinia at the suburb level. That doesn't rule out an individually heritage-listed property or a Heritage Overlay on a specific parcel — check the planning section of the Section 32 for this address.
How is Cardinia zoned?
Most of Cardinia (89% of the land) is in the GWZ (GWZ1), then SUZ1 (8%) and PUZ1 (2%) (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 Cardinia?
Parts of Cardinia are in the government school zones for primary: Cardinia Primary School, Kulap Primary School, Tooradin Primary School, Topirum Primary School; secondary: Birranga College, Clyde Secondary College, Edenbrook Secondary College, Koo Wee Rup Secondary College and 2 more (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 Cardinia
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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