Garfield North, Cardinia: house prices, rent and what to check before you buy
Valuer-General Victoria doesn't report a median house or unit price for Garfield North: too few sales. Median rent: $387 a week (ABS Census 2021, older than the price figures). Postcode 3814.
What stands out: A bushfire overlay covers 55% of the suburb's land (Vicmap Planning).
Page updated
- Zoning: mostly Green Wedge zone (GWZ1), 52% of the land
- Planning change: no rezoning or new overlays recorded since 2017
- School zones: parts of Garfield North are zoned for Bunyip Primary School and Garfield Primary School (primary); Drouin Secondary College and Pakenham Secondary College (secondary)
- Getting there: nearest train station about 5.6 km from the suburb centre
- Median rent
- $387/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 5% LowBushfire 55% Very highHeritage 3% Low
- share of suburb land area
- 2 suburb-specific overlays to check
- Vicmap Planning
- Getting around
- 5.6 km to nearest station
- 2 zoned primary, 2 secondary schools
- PTV timetable data · Victorian Department of Education school zones
Check an address in Garfield NorthCompare with another suburb
Garfield North is a small community with a median age of 50, among the most socio-economically advantaged areas in the state 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 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.
Risk and planning in Garfield North
Garfield North has relatively light heritage-overlay coverage (about 3%), though it can still apply to individual parcels. Parts of the suburb (about 5%) sit under flood-related overlays. A Bushfire Management Overlay affects about 55% of the area.
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. 5 named overlay areas (HO36, HO94, HO188 +2 more) — oldest gazetted 2016.
Share of the suburb. Source: Vicmap Planning · Verify this address
Worth checking in Garfield North
Check for a flood overlay
Parts of Garfield North (~5%) sit under flood-related overlays. Confirm whether this address is affected.
Bushfire Management Overlay
A Bushfire Management Overlay affects ~55% of Garfield North. If it applies, it drives bushfire construction requirements (BAL rating) and cost.
Zoning mix and building controls
Land use across the suburb (planning zones)
- Zoning
- Rural / Green
- mostly Green Wedge Zone – Schedule 1 (GWZ1) · 52% of the suburb
Planning overlays that can affect building, renovating or removing vegetation somewhere in Garfield North — confirm whether any apply to the specific address.
- Environmental Significance Overlay — environmental values that constrain development
Planning changes in Garfield North: none recorded since 2017
No zone changes or new planning overlays have been recorded on land in Garfield North 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
- Heritage
- Flood
- Bushfire
Layers on this map, as a table
| Layer | Share of suburb | Source |
|---|---|---|
| Suburb boundary | The whole suburb | ABS SAL 2021 |
| Heritage overlay | 3% | Vicmap Planning |
| Flood overlay | 5% | Vicmap Planning |
| Bushfire overlay | 55% | 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
Cost and market in Garfield North
Garfield North has too few recorded sales for a reliable median. Typical rent is $387/wk (Census 2021).
Show recorded crime and amenity-density comparisons
Schools
Parts of Garfield North fall within 2 primary and 2 secondary government school catchments. No schools sit within the suburb boundary itself, though the catchments above extend into it from neighbouring areas.
Government schools have address-based catchment zones; Catholic and independent schools set their own enrolment processes.
| Zone | Covers | Boundary | |
|---|---|---|---|
| Primary school zones | |||
| Garfield Primary School | 99% | — | |
| Secondary school zones | |||
| Drouin Secondary College | 57% | — | |
| Pakenham Secondary College | 43% | — | |
Getting around from Garfield North
no train, tram or bus stops sit inside the suburb (PTV timetable data).
- Distance to the CBD
- ~68 km
- from the suburb centre
- Getting around
- 0 train · 0 tram · 0 bus
- nearest train station ~5.6 km · counts are stop points, not stations (a station is often several)
- Train frequency
- every 17 min
- at the nearest station, weekday AM peak
- Tram frequency
- every 12 min
- at the nearest stop, weekday AM peak
- Schools
- 0
- primary & secondary
- Nearest Centrelink
- ~26 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 Garfield North
— 236 residents · median age 50 · 95% own their home · SEIFA 10/10
- Population
- 236
- usual residents (Census 2021)
- Owner-occupied
- 95%
- 95% own, 4% private rent, 0% social
- Median age
- 50 yrs
- of residents
- Personal income
- $837/wk
- median, per week
- Household income
- $1,713/wk
- median, per week
- Avg household size
- 2.8 people
- people per home · 81% family households
- Monthly mortgage
- $2,152/mo
- median repayment
- Taxpayer income
- $54,584/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 Garfield North · around the state average
In Garfield North itself: 11 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, Garfield North (up 38% since 2019):
| Year | Offences |
|---|---|
| 2019 | 8 |
| 2020 | 10 |
| 2021 | 13 |
| 2022 | 6 |
| 2023 | 2 |
| 2024 | 6 |
| 2025 | 32 |
| 2026 | 11 |
- Median household incomeup 12%
- Median personal incomeup 18%
- Median weekly rentup 52%
- Median ageolder by 1 year
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
- 10/10
- Among Victoria's most advantaged areas
- Economic resources
- 10/10
- 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: 4%
- 3 bedrooms: 32%
- 4 or more bedrooms: 49%
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 Garfield North
The 6 closest suburbs with a Delora page, by distance between suburb centres.
Before you buy in Garfield North
Overlay and pipeline checks specific to Garfield North 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 Garfield North 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 Garfield North?
Questions about Garfield North
What postcode is Garfield North?
Garfield North is in postcode 3814, in the Cardinia council area, Victoria.
What is the population of Garfield North?
Garfield North had 236 usual residents at the 2021 Census (ABS), with a median age of 50.
Is Garfield North in a flood zone?
About 5% of Garfield North's land is under a flood-related planning overlay (LSIO, SBO or floodway), and about 55% 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 Garfield North?
For Garfield North, pay particular attention to heritage overlays (about 3% of the suburb is affected), any flood-related overlay (about 5% 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 Garfield North have heritage overlays?
Heritage overlays cover a small share of Garfield North (about 3%) — not common, but still worth a quick check: confirm in the Section 32's planning section whether a Heritage Overlay applies to this specific parcel, since it restricts demolition and external changes.
How is Garfield North zoned?
Most of Garfield North (52% of the land) is in the GWZ (GWZ1), then RCZ1 (43%) and PCRZ (4%) (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 Garfield North?
Parts of Garfield North are in the government school zones for primary: Bunyip Primary School, Garfield Primary School; secondary: Drouin Secondary College, Pakenham Secondary 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 Garfield North
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.
Thinking of buying in Garfield North?
Paste a listing or address into Delora in Claude. It checks each home against official records, works out the cost to buy, and remembers your shortlist between chats.
Free to start. Sign in with Google, Apple or an email code. How your data is handled.