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RATE CHALLENGE BUYER SUBURB GUIDE

Bacchus Marsh VIC 3340 buyer's suburb guide

Compare recent house, unit and land prices, rents, property-value history, deposits, live repayment scenarios, buyer assistance, nearby suburbs, schools and the checks to complete before making an offer.

Market figures updated 7 Aug 2026Live home-loan rate scenarioBuyer costs and local comparisons
This guide helps you compare - it is not a valuation, property recommendation, loan approval or address-level due-diligence assessment.

Confirm the exact property, contract, scheme position, school zone, planning controls, hazards, insurance and lending outcome before committing.

Buyer summary

What to know before shortlisting Bacchus Marsh

Use these points to decide what deserves a closer inspection, then compare the exact property, contract, location and finance position.

1

The recent house median is $650,000, placing Bacchus Marsh between Maddingley and Darley in the closest comparison group.

2

House turnover is 192 sales over 12 months, ranking 1 of 3 in the closest group. A larger sample generally gives buyers more recent transactions to compare.

3

The unit / townhouse median is $427,000, about $223,000 below the house median. The unit sample contains 32 sales, so sample strength should be considered.

4

The July 2026 estimated house value was 3.7% up on July 2025 and +12.2% over five years. This is historical movement, not a forecast.

History of Bacchus Marsh

How Bacchus Marsh became the place buyers see today

Bacchus Marsh is not simply a commuter suburb with a median price. Its valley, farming history, Main Street, station, orchards and heritage buildings created a town structure that still affects where people live, how they travel and what buyers need to investigate.

PLACE IDENTITY

A river-valley town shaped by farming, transport, Main Street and the railway

History is included here because it helps explain housing age, street layout, transport, former land uses, boundaries and the property-specific checks that matter now. It is not a heritage assessment or a prediction of future value.

Before European settlement

A meeting landscape

The valley sits within a wider Traditional Owner landscape. Modern township and shire boundaries should be understood as later administrative layers.

1836 onward

Pastoral and farming settlement

European settlement began in the 1830s and the fertile valley became known for farming and later orchard production.

1850s–1860s

A permanent town centre

The gold-rush era supported inns, churches, the courthouse, trades and newspaper buildings that still contribute to Main Street’s heritage character.

1885–1887

Chicory and rail

The chicory kiln and the opening of the railway station reflect the town’s agricultural processing and transport history.

1918

The Avenue of Honour

Two hundred and eighty-one Canadian elms were planted as a living memorial to local First World War service.

Late 20th century–today

Regional growth around a historic core

Freeway access, commuter rail and housing growth expanded the town group while Main Street, orchards and the station retained distinct roles.

Why history matters

Turn the timeline into better property questions

The suburb story is useful only when it changes what you inspect, confirm or budget for at the exact address.

1

Heritage and older buildings

Central properties may have heritage, planning, materials, drainage, renovation and insurance questions that differ from newer estates.

2

Valley-floor water

Rivers, creeks and low-lying land make flood, overland-flow, drainage and insurer checks essential at address level.

3

Agricultural interface

Orchards and farm land add identity and amenity, but can also bring seasonal traffic, machinery, spray, odour and future land-use questions.

4

Town-group geography

Bacchus Marsh, Darley and Maddingley share services and postcode 3340 but are separate localities with different housing, terrain and market evidence.

Public history referencesOpen the underlying council, government, university-history or public reference pages.
Housing and micro-location

Bacchus Marsh is not one uniform property market

These are practical buyer-orientation groups, not official neighbourhoods, school zones or valuation areas. Use them to decide which property evidence and inspections matter, then confirm the exact title and address.

1

Main Street and central grid

Strong access to services and heritage character. Review planning controls, building age, parking, commercial interfaces and renovation approvals.

2

Avenue of Honour and orchard edge

A distinctive gateway and farming relationship. Check road access, seasonal activity, tree controls, nearby land use and exact boundaries.

3

River and valley-floor streets

Potential amenity and flatter walking, but address-level flood, drainage, insurance and ground conditions are critical.

4

Station and Maddingley interface

Rail access may be convenient, but the station is in Maddingley. Confirm the true walking/drive route, rail noise, parking and locality boundary.

Property market

What buyers have recently paid in Bacchus Marsh

Switch between houses, units / townhouses and vacant land. Always compare the exact property with recent sales of similar type, size, age and condition.

Strong sample

Recent median sale price

$650,000

192 sales over the latest 12 months

Lower quartile$590,00025th percentile sale price
Upper quartile$730,00075th percentile sale price
Estimated median value$663,297July 2026 estimate
Days on market22Latest 12-month result
New sale listings202Latest 12 months
Median asking rent$500/wk161 rental observations
Indicative gross yield4.0%July 2026 measure
Average ownership period11.6 yearsBroad suburb measure

The sale median is based on recent transactions. The estimated median value is a separate measure and can be higher or lower because it is designed to describe the wider property stock.

Longer-term context

How house and unit values have changed since 2017

The annual July figures show the direction and scale of past movement. They do not show every sale and should not be used as a price forecast.

Annual values

Bacchus Marsh house and unit values, July 2017-July 2026

HouseUnit
$721k$607k$493k$379k$265k Jul 2017 house $418,777Jul 2018 house $484,227Jul 2019 house $474,668Jul 2020 house $508,166Jul 2021 house $591,298Jul 2022 house $668,001Jul 2023 house $640,340Jul 2024 house $644,660Jul 2025 house $639,939Jul 2026 house $663,297Jul 2017 unit $294,855Jul 2018 unit $306,514Jul 2019 unit $309,830Jul 2020 unit $317,899Jul 2021 unit $339,220Jul 2022 unit $407,999Jul 2023 unit $396,046Jul 2024 unit $396,869Jul 2025 unit $426,790Jul 2026 unit $412,151201720192021202320252026

House and unit value measures for July of each year. Hover over chart points on desktop for values.

House - 1 year+3.7%

July 2025 to July 2026

House - 5 years+12.2%

July 2021 to July 2026

House - since 2017+58.4%

Nine-year historical change

Unit - 1 year-3.4%

Unit values can move on smaller samples

$663,297 house value in July 2026

The highest annual house value in the table was $668,001 in Jul 2022. The current figure is -0.7% relative to that peak.

$412,151 unit value in July 2026

The five-year unit change is +21.5%. Check the current unit sales sample and owners-corporation costs before treating the broad trend as a guide to one property.

View the annual house and unit values
PeriodHouse valueUnit value
Jul 2017$418,777$294,855
Jul 2018$484,227$306,514
Jul 2019$474,668$309,830
Jul 2020$508,166$317,899
Jul 2021$591,298$339,220
Jul 2022$668,001$407,999
Jul 2023$640,340$396,046
Jul 2024$644,660$396,869
Jul 2025$639,939$426,790
Jul 2026$663,297$412,151
Your buying budget

Deposit, repayment and Victorian duty scenarios

Start with the recent house median, then change the property type, price and deposit. The repayment examples use current Rate Challenge home-loan rates when the page loads.

Connecting to current home-loan rates...Fallback examples remain visible while the current rate scenario loads.
5% deposit$32,500
Illustrative loan
$617,500
Current rate scenario
6.79% p.a.
Monthly repayment
$4,022
Indicative FHB duty
$11,357
Cash incl. allowance
$47,357
10% deposit$65,000
Illustrative loan
$585,000
Current rate scenario
6.69% p.a.
Monthly repayment
$3,771
Indicative FHB duty
$11,357
Cash incl. allowance
$79,857
20% deposit$130,000
Illustrative loan
$520,000
Current rate scenario
6.49% p.a.
Monthly repayment
$3,283
Indicative FHB duty
$11,357
Cash incl. allowance
$144,857

LMI is not included. The $3,500 buying-cost allowance is a placeholder for conveyancing, searches, inspections and registrations. Replace it with actual quotes.

Deposit
Illustrative loan
Monthly repayment
Fortnightly equivalent
Indicative eligible FHB dutyPotential exemption to $600k; sliding concession to $750k
Standard owner-occupier dutyIllustrative Victorian calculation
Cash incl. duty + allowanceExcludes LMI and personal buffers
Current asking rent context
Extra after +1.00% rate
House FHB duty saving$22,713Against indicative owner-occupier duty
These are planning scenarios, not borrowing capacity or approval results.

Current lender pricing, comparison rates, fees, LMI, valuations, credit policy and personal eligibility can change the outcome.

First-home buyer assistance

Buyer schemes worth checking before you choose a deposit

This summary uses Rate Challenge's approved government-schemes information, last checked 11 August 2026. Eligibility must still be confirmed for the buyer, property and participating lender.

Victorian duty relief

The recent house median sits within the sliding-concession range

At $650,000, the indicative eligible first-home buyer duty is about $11,357. The concession reduces as the price moves from $600,001 to $750,000.

Read the Rate Challenge duty guide
Australian Government 5% Deposit Scheme

A smaller deposit may be possible for an eligible buyer

The current scheme includes a 5% first-home buyer stream and a 2% stream for eligible single parents or guardians, subject to property price caps and participating-lender rules.

Check the Rate Challenge scheme calculator
Victorian First Home Owner Grant

$10,000 may apply to an eligible new home

The Victorian grant is for eligible first-home buyers purchasing or building a new home valued up to $750,000. It does not normally apply to an established-home purchase.

Explore current grants and schemes
Help to Buy and other pathways

Shared-equity and savings pathways have different rules

Income caps, citizenship, prior ownership, occupancy and property price caps vary. Check the current position before making the purchase dependent on a scheme.

Compare government assistance
Nearby suburb comparison

Compare Bacchus Marsh, Darley and Maddingley

Use this table to narrow a shortlist by entry price, recent activity and asking rent. It does not adjust for the exact property, land size, condition or street.

SuburbHouse medianUnit medianHouse rentHouse yieldHouse salesDays on marketEligible FHB duty position
Bacchus Marsh3340 · Moorabool Shire$650,000$427,000$500/wk4.0%19222Potential sliding concession
Darley3340 · Moorabool Shire$665,100$430,000$500/wk3.8%17327Potential sliding concession
Maddingley3340 · Moorabool Shire$641,500$305,000$540/wk4.1%16030Potential sliding concession
Wider alternatives

Also considering the Melton side of the corridor?

These suburbs are not identical markets, but they are practical alternatives for buyers comparing the western corridor and Bacchus Marsh region.

People and housing

Who lived in Bacchus Marsh at the 2021 Census

These figures help buyers understand the broad household mix. They are suburb-wide Census statistics, not current facts about an individual street or neighbour.

Geography boundary

These figures describe the exact Bacchus Marsh locality. They are not the whole postcode 3340, the combined town group or Moorabool Shire. Darley and Maddingley should remain separate in comparisons.

Population 20217,808
Area12.2 km²
Parks24
Park land3.8%
Owner occupied69.6%
Largest age group30-39 years
The suburb recorded population growth between the two Censuses.

The 2021 population was 22.1% higher than in 2016. This is historical context rather than a forecast.

Household structure

Childless Couples41.8%
Moorabool 38.4%
Couples with Children37.6%
Moorabool 45.1%
Single Parents19.1%
Moorabool 15.3%
Other1.7%
Moorabool 1.2%

Population age

0-912.5%
Moorabool 13.1%
10-1911.0%
Moorabool 12.8%
20-2912.5%
Moorabool 11.0%
30-3914.3%
Moorabool 13.6%
40-4911.3%
Moorabool 13.2%
50-5911.0%
Moorabool 13.3%

Household income bands

0-15.6K3.4%
Moorabool 3.3%
15.6-33.8K15.6%
Moorabool 11.3%
33.8-52K13.3%
Moorabool 11.2%
52-78K14.4%
Moorabool 14.1%
78-130K23.0%
Moorabool 23.9%
130-182K12.9%
Moorabool 15.2%
182K+10.9%
Moorabool 14.2%

Occupation profile

Professional18.2%
Moorabool 17.0%
Clerical14.3%
Moorabool 13.8%
Trades17.1%
Moorabool 17.0%
Labourer9.1%
Moorabool 9.6%
Not Stated1.3%
Moorabool 1.9%
Machinery Operators and Drivers8.9%
Moorabool 8.6%
Managers10.6%
Moorabool 12.6%
Sales Workers8.3%
Moorabool 7.8%
Schools and zones

School options to check when buying in Bacchus Marsh

The 2025 school information lists 5 schools with an address in Bacchus Marsh. Enrolment figures are broad school totals, not a promise of a place. Government-school zones must be checked for the exact address and relevant school year.

SchoolSectorTypeAddress2025 enrolment
St Bernard's SchoolCatholicPrimaryGisborne Road331
Bacchus Marsh Primary SchoolGovernmentPrimary56-62 Lerderderg Street767
Pentland Primary SchoolGovernmentPrimary164 Halletts Way569
Bacchus Marsh CollegeGovernmentSecondary73 Grant Street978.4
Bacchus Marsh GrammarIndependentPri/Sec34 South Maddingley Road3,837
Do not rely on the suburb name alone for a school zone.

A suburb can cross more than one zone, zones can change between years and some schools have separate campus arrangements.

Early years and further study

Kindergarten, childcare and post-school options

Service locations help buyers understand what is nearby, but vacancies, program times, eligibility and travel must be checked directly.

Nearby funded kindergarten

Young Street Kindergarten

Sessional Kindergarten Program. Approximate straight-line relationship from the suburb reference point: 0.8 km.

Confirm current sessions, vacancies, fees and travel from the exact address directly with the service.

Childcare search

Broaden the search beyond the suburb boundary

No exact Bacchus Marsh service was shown in the available childcare information. Buyers should search nearby suburbs and confirm current places directly.

Further education

TAFE and university pathways in the wider region

These are regional options rather than a claim that every course is available locally.

University option

Australian Catholic University - Ballarat Campus

Ballarat VIC 3350

View the campus
University option

Federation University - Ballarat

Ballarat campuses and study options

View the campus
Health and transport

Everyday access to test before you buy

These options are useful starting points. Travel times, opening hours, service levels and construction conditions can vary.

Health service to check

Bacchus Marsh and Melton Regional Hospital

35 Grant Street, Bacchus Marsh 3340

The principal local hospital option; confirm current urgent-care, emergency and specialist services.

Check current services
Health service to check

Melton Health

209 Barries Road, Melton 3337

A wider regional alternative; confirm the service required and travel time from the exact address.

Check current services
Transport check

Bacchus Marsh Station is the key rail access point for the local group

Bacchus Marsh, Darley and Maddingley have different address-to-station trips. Test the actual drive, walk, bus connection, parking and peak timetable rather than assuming the same access across postcode 3340.

Test the trip at the times you will actually travel.

A suburb-wide description cannot show traffic, walking conditions, parking pressure or the quality of the connection from a particular street.

Before making an offer

Property-level checks that matter in Bacchus Marsh

The suburb can help you shortlist. The final decision must be made using the exact address, contract, building condition, planning controls and finance position.

Planning and hazards

Check the exact property in VicPlan

Review the planning zone and overlays, including flood, bushfire, heritage, development and environmental controls where relevant.

Open VicPlan
Local safety context

Use the latest official crime release

Crime figures are commonly published at postcode or council level. Do not turn a broader-area statistic into a claim about one street or property.

Check current Victorian crime data
Contract and finance

Review the contract, condition and lending position

Allow for legal review, building and pest inspections, insurance, valuation risk, lender policy, LMI where applicable and a realistic cash buffer.

Use the Rate Challenge buyer checklist

Before the offer

  • Compare recent sales for the same property type and land size.
  • Check planning overlays, flood and bushfire information for the address.
  • Confirm school zone, transport trip and insurance availability.
  • Have the contract reviewed and understand easements, covenants and owners-corporation obligations.

Before finance approval

  • Keep enough cash for duty, registrations, inspections, conveyancing and buffers.
  • Confirm whether the chosen lender accepts the property and valuation.
  • Check scheme eligibility before depending on a smaller deposit.
  • Allow for repayments at a higher rate than the starting scenario.
How to use this guide

Use suburb figures to ask better questions - not to skip property checks

1

Sale median versus value

The recent sale median describes recorded sales. The estimated median value describes the wider stock. They can differ without either being an error.

2

Sample size matters

A result based on hundreds of sales is usually more stable than a result based on a handful, especially for units and vacant land.

3

The address decides the details

School zone, planning overlays, flood, bushfire, transport access, noise and property condition can change from one street to another.

4

Finance remains personal

The calculator illustrates deposits, duty and repayments. It does not confirm borrowing capacity, approval, scheme eligibility or product suitability.

Buyer questions

Common questions about buying in Bacchus Marsh

Why should buyers separate Bacchus Marsh, Darley and Maddingley?

They share postcode 3340 and many services, but their terrain, housing stock, station relationship, planning context and market samples differ. A lender valuation, building inspection and price comparison should follow the exact locality and property.

Is the median price what every property in Bacchus Marsh is worth?

No. A median is a midpoint, not a valuation. Land size, property type, age, condition, renovations, street, planning controls and recent comparable sales can materially change value.

Why is the estimated median value different from the recent sale median?

They measure different things. The sale median uses recent recorded transactions, while the estimated value measure is designed to represent the wider property stock.

Will the repayment rate update when home-loan rates change?

The page uses current Rate Challenge home-loan rates and calculates a median variable-rate example from advertised owner-occupied purchase options that suit the selected deposit level. A fallback example is shown only if the live rates cannot be reached.

Does a 5% deposit mean I can definitely buy?

No. Scheme rules, LMI, lender policy, serviceability, credit history, property acceptance and total cash requirements all matter. Use the Rate Challenge scheme calculator and obtain personal lending guidance.

Can I rely on the school, crime, flood or planning information for an address?

No. Use the school-zone and VicPlan address checks, the latest official crime information, the contract and specialist inspections before committing to a property.

About the figures and update dates

Property and population

Property-market figures were prepared on 7 August 2026. Population and demographic figures describe the 2021 Census. School enrolments are from 2025 records.

Rates and buyer assistance

The repayment section uses current Rate Challenge home-loan rates. Buyer-assistance information was checked on 11 August 2026 and links to the Rate Challenge government schemes guide.

Regional buying and finance authority

Move from Bacchus Marsh property research to the wider Bacchus Marsh finance picture

This suburb guide owns the exact-locality property, housing, history, schools and due-diligence detail. The regional mortgage-broker guide adds the broader lender, rate, duty, scheme, application and regional-planning view.

Open the complete Bacchus Marsh buying and finance guide
Bacchus Marsh buyer enquiry

Discuss the deposit, repayments and lender pathways for a property you are considering

Bring the exact Bacchus Marsh property, deposit, timing and income position into one review. Rate Challenge can explain current rates, Victorian duty, available scheme pathways and broad lender differences across a 50+ lender market.

No obligation. Do not send passwords, bank statements or identity documents through this initial enquiry form.

Found a property in Bacchus Marsh?

Turn the suburb numbers into a careful property and finance review.

Compare the address, contract and current lender options before you commit to the purchase.

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