Rate Challenge

Quick start (60 seconds before you trust any “best schools” list)

Most searches are really about zones + suburb choice

Before you buy or sign a lease, do these 3 checks so you don’t end up “one street out”:

  1. Check the exact address on Find my School (zones change).
  2. Confirm with the school (intakes, programs and priorities vary).
  3. Reality-check the budget so the zone plan actually fits your borrowing power.

Quick suburb “starter pack” (Geelong families)

These are common shortlist suburbs for school-zone buyers. Links use site search so they always resolve even if slugs change.

If you want, we’ll map school zones + commute + realistic price brackets on a quick call.

Talk to a broker

Renting in Geelong for school zones but buying elsewhere?

Many families rent near their preferred Geelong school zone while buying an investment property in a more affordable market. This strategy is called rentvesting.

If you're weighing up staying in a Geelong rental for lifestyle and schools while building equity elsewhere, compare the numbers first.

First home buyer? See First Home Buyer Rentvesting for scheme and borrowing power considerations.

Zones & costs (what Geelong buyers need to know)

Victorian government schools use school zones. Your residential address usually determines your local government primary and secondary school. Use the official Find my School map with the exact property address, zoom right in to the parcel and check both sides of the street. For must-have schools, confirm directly with the school in writing before you sign a contract.

Government schools don’t charge tuition fees for in-zone students. Core instruction is government funded in Victoria. Schools can request voluntary contributions and charge for optional extras like camps, sport programs, laptops and excursions. If contributions are genuinely difficult, talk to the school — students can’t be excluded from the standard curriculum because a voluntary payment isn’t made.

Catholic and independent schools set their own fees and enrolment priorities. Around Geelong you’ll see a mix of Catholic systemic colleges (for example Sacred Heart, St Joseph’s, Iona) and independent schools such as The Geelong College, Kardinia International and Christian College Geelong. Each school publishes a fee schedule and enrolment policy — check what’s included (levies, devices, buses, camps) before comparing net cost.

Where families actually cluster. Once you have a school shortlist, buying conversations often circle around suburbs like Highton, Belmont, Newtown, Geelong West, Wandana Heights, Grovedale, Waurn Ponds and the Armstrong Creek growth corridor. The next step is matching those zones to a price bracket that works with your deposit, servicing buffer and commute into Geelong or Melbourne.

Top 10 high schools to shortlist (alphabetical)

Belmont High School

VIC government secondary (Years 7–12) • Belmont

Known for: a long-established government high school drawing heavily from Belmont, Highton and parts of Newtown, with steady demand and broad subject choice.

Often shortlisted by families who want a co-ed government pathway close to the Barwon River, GMHBA Stadium and central Geelong employment hubs.

Government: no tuition fees for in-zone students; voluntary contributions Transport: bus corridors • short drive to South Geelong station
Barwon River trails, Highton Village and the Kardinia Park / GMHBA Stadium precinct.

Geelong High School

VIC government secondary (Years 7–12) • East Geelong

Known for: an inner-ring secondary close to the CBD, waterfront and hospital precinct, with strong arts and sports links.

Shortlisted by families wanting government zoning in and around East Geelong, Thomson and the CBD fringe while keeping an easy commute into central workplaces.

Government: no tuition fees for in-zone students; voluntary contributions Location: CBD fringe • close to waterfront
Eastern Gardens, Geelong waterfront, University Hospital Geelong and CBD amenities.

Oberon High School

VIC government secondary (Years 7–12) • Armstrong Creek

Known for: a modern campus serving parts of Highton, Wandana Heights, Grovedale and the Armstrong Creek growth corridor.

Often on the list for families wanting new estates, larger blocks or townhouse options with a government high school close to the Surf Coast Highway.

Government: no tuition fees for in-zone students; voluntary contributions Location: growth corridor • Surf Coast access
Armstrong Creek estates, Grovedale, Waurn Ponds Shopping Centre and Surf Coast Highway links.

Newcomb Secondary College

VIC government secondary (Years 7–12) • Newcomb

Known for: a bayside-leaning zone that suits families looking at more affordable suburbs east of the CBD.

Commonly shortlisted when buyers are weighing up value in Newcomb, Whittington and surrounding pockets while still wanting reasonable access to the city and waterfront.

Government: no tuition fees for in-zone students; voluntary contributions Location: value corridor • access to Bellarine Highway
Bellarine Village shopping, Bellarine Highway and access towards the Bellarine Peninsula.

North Geelong Secondary College

VIC government secondary (Years 7–12) • North Geelong

Known for: a diverse school serving North Geelong, Bell Park, Norlane and surrounding suburbs, with easy access to major roads and rail.

Shortlisted by families focused on value in Geelong’s north and buyers who commute via the Princes Freeway or Geelong–Melbourne rail line.

Government: no tuition fees for in-zone students; voluntary contributions Transport: close to North Geelong station
North Geelong industrial and harbour precincts, Princes Highway and rail connections to Melbourne.

Christian College Geelong

Independent Christian (multi-campus, ELC–Year 12) • Highton / Waurn Ponds

Known for: a multi-campus Christian school with a full pathway from early learning through to VCE and strong cocurricular programs.

Frequently shortlisted by families in Highton, Wandana Heights, Waurn Ponds and Armstrong Creek wanting a faith-based option in Geelong’s south.

Independent: fee-paying; see current schedule Location: Highton & Waurn Ponds • multiple campuses
Highton and Wandana Heights hills, Waurn Ponds Shopping Centre and Surf Coast Highway.

Sacred Heart College Geelong

Catholic girls (Years 7–12) • Newtown

Known for: a long-standing Catholic girls’ college in Newtown with strong VCE results and high demand.

A key shortlist option for families wanting a single-sex Catholic pathway tied to inner-west suburbs like Newtown, Geelong West and Highton.

Catholic systemic: mid-fee secondary; see annual schedule Location: Newtown hill • strong transport links
Pakington Street, Barwon River and inner-west character streets.

St Joseph’s College Geelong

Catholic boys (Years 7–12) • Newtown

Known for: a Catholic boys’ college with multiple campuses and strong links to local primary schools.

Often paired with Sacred Heart in family discussions, especially where siblings are split between boys’ and girls’ schools in Newtown and surrounding suburbs.

Catholic systemic: mid-fee secondary; see current schedule Location: Newtown • strong sports links
Pakington Street precincts, Barwon River and easy access to central Geelong.

Kardinia International College

Independent (ELC–Year 12) • Bell Post Hill

Known for: an independent co-educational school offering International Baccalaureate programs with a large, well-resourced campus.

Shortlisted by families across Greater Geelong, especially those in Hamlyn Heights, Bell Park and Geelong’s northern suburbs wanting a single-campus independent option.

Independent: fee-paying; see current schedule Location: Hamlyn Heights / Bell Post Hill
Ring Road access, Hamlyn Heights and Bell Park family streets.

The Geelong College

Independent (ELC–Year 12) • Newtown

Known for: a long-standing independent school with a full early-learning to VCE pathway, strong co-curricular programs and boarding.

Frequently shortlisted by families considering independent schooling in Newtown, Geelong West and along the Surf Coast, as well as regional families using boarding options.

Independent: fee-paying; see current schedule Location: Newtown river precinct • boarding options
Barwon River, Queens Park, Pakington Street and inner-west character pockets.

Top 10 primary schools to shortlist (alphabetical)

Note: one entry below (Iona College) is a Year 7–12 pathway school often considered in the Armstrong Creek corridor. It’s included because it comes up frequently in “move + school choice” conversations — always confirm year levels and intake policies directly.

Highton Primary School

VIC government primary (Prep–Year 6) • Highton

Known for: a sought-after hillside primary with strong demand from families targeting Highton and Wandana Heights.

Often on the shortlist for buyers wanting a “walk to school” feel while keeping good access to Deakin Waurn Ponds, Epworth and the Ring Road.

Government: no tuition fees for in-zone students; voluntary contributions
Highton Village, Barwon River walking tracks and Ring Road on-ramps.

Belmont Primary School

VIC government primary (Prep–Year 6) • Belmont

Known for: a well-regarded inner-south primary that pairs naturally with Belmont High and nearby Catholic and independent pathways.

Shortlisted by families wanting an established Belmont address with quick access to the Barwon, High Street and GMHBA Stadium.

Government: no tuition fees for in-zone students; voluntary contributions
High Street, Barwon River, GMHBA Stadium and central Geelong.

Newtown Primary School

VIC government primary (Prep–Year 6) • Newtown

Known for: an inner-west primary close to Pakington Street and Barwon River, with strong community feel.

Popular with families wanting to be close to Sacred Heart, St Joseph’s, The Geelong College and Pakington Street amenities.

Government: no tuition fees for in-zone students; voluntary contributions
Pakington Street, Barwon River and Queens Park.

Chilwell Primary School

VIC government primary (Prep–Year 6) • Newtown / Chilwell

Known for: a tightly held catchment sitting between Pakington Street and the Barwon River, with strong community engagement.

Often treated as a “lifestyle” zone for families who want walkability to the river, cafes and inner-west schools.

Government: no tuition fees for in-zone students; voluntary contributions
Barwon River, Pakington Street and Queens Park.

Hamlyn Banks Primary School

VIC government primary (Prep–Year 6) • Hamlyn Heights

Known for: a family-friendly primary serving Hamlyn Heights and surrounding suburbs in Geelong’s inner-north west.

Shortlisted when buyers are looking at Kardinia, North Geelong Secondary and value pockets near the Ring Road.

Government: no tuition fees for in-zone students; voluntary contributions
Ring Road access, Vines Road shops and parks.

Geelong West Primary School

VIC government primary (Prep–Year 6) • Geelong West

Known for: a popular primary close to Pakington Street, attracting strong demand from inner-west buyers.

Commonly shortlisted by families who want walkability to cafes, the CBD and multiple high-school pathways.

Government: no tuition fees for in-zone students; voluntary contributions
Pakington Street, Shannon Avenue and central Geelong.

Grovedale Primary School

VIC government primary (Prep–Year 6) • Grovedale

Known for: a suburban primary with steady demand from families targeting value and space south of the CBD.

Shortlisted with buyers who like Oberon High’s catchment and easy access to Waurn Ponds, Deakin and the Surf Coast.

Government: no tuition fees for in-zone students; voluntary contributions
Grovedale family estates, Surf Coast Highway and Waurn Ponds Shopping Centre.

Clairvaux Catholic School (Belmont)

Catholic primary (Prep–Year 6) • Belmont

Known for: a Catholic primary serving Belmont and parts of Highton and Grovedale, often feeding into local Catholic secondaries.

Frequently shortlisted by families wanting a parish-linked primary within easy reach of GMHBA Stadium and central Geelong.

Catholic systemic: mid-fee primary; see current schedule
Belmont shopping strips, GMHBA Stadium and Barwon River.

St Robert’s Primary School (Newtown)

Catholic primary (Prep–Year 6) • Newtown

Known for: a Catholic primary close to Barwon River and Newtown’s independent and Catholic secondary schools.

Shortlisted by families wanting a faith-based option that pairs neatly with Sacred Heart, St Joseph’s or The Geelong College.

Catholic systemic: mid-fee primary; see current schedule
Barwon River, Queens Park and inner-west high-school cluster.

Iona College Geelong

Catholic secondary (Years 7–12) • Charlemont / Armstrong Creek

Known for: a newer Catholic co-ed secondary serving the Armstrong Creek corridor, often paired with nearby Catholic primaries.

Frequently appears in plans for families moving into new estates between Geelong and the Surf Coast who want a Catholic 7–12 option.

Catholic systemic: mid-fee secondary; see current schedule
Armstrong Creek estates, Surf Coast Highway and Waurn Ponds precinct.

Quick comparison table (scan-friendly)

This is a fast scan tool — it doesn’t replace zone checks or school tours. Use it to shortlist, then verify with official sources below.

School Sector Level Suburb Links
Belmont High School Government Secondary (7–12) Belmont Website · Map
Geelong High School Government Secondary (7–12) East Geelong Website · Map
Oberon High School Government Secondary (7–12) Armstrong Creek Website · Map
Newcomb Secondary College Government Secondary (7–12) Newcomb Website · Map
North Geelong Secondary College Government Secondary (7–12) North Geelong Website · Map
Christian College Geelong Independent ELC–12 Highton / Waurn Ponds Website · Map
Sacred Heart College Geelong Catholic Secondary (7–12) Newtown Website · Map
St Joseph’s College Geelong Catholic Secondary (7–12) Newtown Website · Map
Kardinia International College Independent ELC–12 Bell Post Hill Website · Map
The Geelong College Independent ELC–12 Newtown Website · Map
Highton Primary School Government Primary (P–6) Highton Website · Map
Belmont Primary School Government Primary (P–6) Belmont Website · Map
Newtown Primary School Government Primary (P–6) Newtown Website · Map
Chilwell Primary School Government Primary (P–6) Chilwell Website · Map
Hamlyn Banks Primary School Government Primary (P–6) Hamlyn Heights Website · Map
Geelong West Primary School Government Primary (P–6) Geelong West Website · Map
Grovedale Primary School Government Primary (P–6) Grovedale Website · Map
Clairvaux Catholic School Catholic Primary (P–6) Belmont Website · Map
St Robert’s Primary School Catholic Primary (P–6) Newtown Website · Map
Iona College Catholic Secondary (7–12) Charlemont / Armstrong Creek Website · Map

How this shortlist was built (sources & limitations)

Sources used

  • My School profiles + NAPLAN context (avoid single-year obsession).
  • Find my School (VIC) for designated schools and zone checking.
  • School websites for programs, enrolment steps and published fee schedules.

Tip: don’t compare pre-2023 NAPLAN directly to 2023+ without context — reporting changes can distort “rank” assumptions.

What this list is (and isn’t)

  • It is: a practical shortlist to start tours and zone checks.
  • It isn’t: an official ranking or a promise of enrolment.
  • Always verify: address eligibility, intake rules, programs and capacity.
Official links

Maps (click to load)

To keep this page fast on mobile, school maps are click-to-load. Use “Open in Google Maps” for instant navigation, or tap “Load map” on any school card if you want the embed.

This reduces heavy third-party embeds on first load while keeping maps available for decision-making.

How to compare & verify Geelong schools (no hype)

1) Confirm zones precisely: Use Victoria’s official Find my School map with the exact property address. Zoom right in to the lot and check both sides of the street. If a particular zone is critical, email the school with the address and keep written confirmation before you exchange.

2) Read My School data properly: Focus on enrolment trends, student background, funding and multi-year NAPLAN growth rather than a single year’s ranking. Don’t directly compare pre-2023 data to 2023+ (the reporting scale changed). Compare schools serving similar communities.

3) Understand fees and contributions: For government schools, core instruction is free for residents in-zone. Schools can request voluntary contributions and charge for optional extras such as camps, sport, devices and excursions. Catholic and independent schools publish fee schedules and explain discounts or levies — check what’s actually included before comparing affordability.

4) Programs, pathways and places: For accelerated learning, specialist programs, VCE subjects or VET, confirm entry criteria and timelines early. Ask how many places are available, how waitlists work and what backup options look like if your first preference doesn’t land.

5) Visit and check culture: Use tours and open days to ask about behaviour, learning support and extension, homework expectations and reporting. A school that fits your child’s needs and temperament is usually more important than headline scores.

6) Commute logistics: Time the school run at bell times from your likely suburbs. Check bus corridors, bike paths, parking, after-school activities and OSHC hours — especially if you’re juggling Melbourne commuting or shift work.

7) Transitions and moves: Ask how Prep and Year 7 transitions work, how new students are supported mid-year, and which primaries typically feed into each high school. Good transitions reduce disruption if you’re moving house and school together.

8) Keep a paper trail: Save fee schedules, zone screenshots and tour notes. When you’re ready, we can line up pre-approvals and finance timelines with key enrolment dates, so you’re not making rushed offers just to secure a place.

Next steps: schools, suburbs & finance in one plan

If you’ve got a shortlist of Geelong schools, the next step is matching them to suburbs and a budget that actually works. These links keep you moving without leaving the Rate Challenge ecosystem.

Talk to a broker who works with Geelong buyers

Share your preferred schools, commute and budget. We’ll map realistic price ranges in suburbs that match your school-zone plan.

Open the Mortgage Broker Geelong page →

Match zones to a real budget

Use your savings and deposit position to see what’s realistic before you fall in love with a particular street or catchment.

Use the Max Borrowing Calculator →

Check repayments & buffers

Run quick numbers on different price points, then dive deeper with our guides before you commit to a contract.

Use the Rate Review Calculator →

FAQs

How do Geelong government school zones work?

Victoria uses school zones to define which government primary and secondary school your address is linked to. The Find my School website shows designated schools for each address. In-zone students have strong priority; out-of-zone places depend on capacity and local policy. Always confirm with the school when a particular zone is critical to your move.

Are public schools free in Victoria?

Core instruction at Victorian government schools is government funded, so there are no tuition fees for in-zone students. Schools can request voluntary contributions and charge for optional extras such as camps, devices, sport programs and excursions. If contributions are difficult, talk to the school — support arrangements are usually available.

How early should we apply for Catholic or independent schools?

Many Geelong Catholic and independent schools recommend registering interest several years ahead for high-demand year levels such as Prep and Year 7. Each school sets its own timelines and priorities (parish links, siblings, past students, etc.). Check closing dates and required documents early and keep a second option in reserve.

Can we change schools after we move?

Often, yes. Your new in-zone government school will generally enrol your child if there is capacity. Out-of-zone government transfers and Catholic/independent moves depend on vacancies and each school’s enrolment policy. Confirm timing, uniform/device changes and any transition support before you lock in settlement dates.

Do governments publish official school rankings?

No. Education departments and My School publish data, not league tables. Media outlets sometimes turn that data into rankings using their own methods, which can miss context such as student background and growth. Treat any “top school” list as a starting point for deeper research, not a final verdict.

What should we look for on a school tour?

Ask about behaviour expectations, learning support and extension, homework loads, communication with families and how new students are welcomed. Look at how students and staff interact. A school that feels like the right fit for your child’s personality usually matters more than a small difference in test scores.

How does commuting factor into school choice?

Door-to-door time at actual bell times matters. Test the drive or bus from likely suburbs, including parking or bike paths. For some families, living closer to a school and accepting a slightly smaller house works better than a longer daily commute from a bigger block.

Can Rate Challenge help line up finance with enrolment dates?

Yes. Once you have target schools and suburbs, we can help map realistic price brackets, buffers and pre-approval timelines so you are ready for offers without over-stretching. This guide is general information only, so it’s best to discuss your situation with a broker directly.

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