At $641,500, the recent house median is the lowest in the closest comparison group, which may make Maddingley the first suburb to test for a house-focused budget.
RATE CHALLENGE BUYER SUBURB GUIDE
Maddingley 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 Maddingley
Use these points to decide what deserves a closer inspection, then compare the exact property, contract, location and finance position.
House turnover is 160 sales over 12 months, ranking 3 of 3 in the closest group. A larger sample generally gives buyers more recent transactions to compare.
The unit / townhouse median is $305,000, about $336,500 below the house median. The unit sample contains 9 sales, so sample strength should be considered.
The July 2026 estimated house value was 2.2% up on July 2025 and +13.0% over five years. This is historical movement, not a forecast.
History of Maddingley
How Maddingley became the place buyers see today
Maddingley developed differently from central Bacchus Marsh and Darley. It began as a farming hamlet, became the rail and major-park location, then added showgrounds, schools, mining and industry before recent residential growth.
PLACE IDENTITY
A farming hamlet, railway and park precinct with a distinctive mining and industrial layer
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.
Farming hamlet and early school
Maddingley was a separate farming settlement south of the Werribee River, with an early school operating from 1855.
Railway and park
The Bacchus Marsh railway station was built in Maddingley and the adjoining reserve developed into Maddingley Park for residents and rail excursionists.
Showground and education
Agricultural show activity and later the high-school site reinforced Maddingley’s regional service role.
Chicory and agricultural processing
The surviving chicory kiln records a period when local crops were dried and processed near the transport network.
Brown-coal mining and industry
Open-cut mining and coal transport added a major industrial land-use layer south of the railway.
Residential and education growth
New estates and schools expanded around the older rail, park and industrial landscape, producing a mixed suburb rather than one uniform housing market.
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.
Rail and station
Confirm train noise, parking, bus activity, pedestrian routes and the actual distance from the property—not merely “near Bacchus Marsh station”.
Former-use and industry
Near historical mining or industrial land, investigate planning records, environmental information, truck routes, dust/noise and lender/insurer acceptance.
New-estate construction
Recent housing and land purchases require title, covenant, soil, engineering, site-cost, builder and completion-timing checks.
Park and heritage
Maddingley Park and heritage features add identity, while events, traffic and planning controls can affect nearby properties.
Public history referencesOpen the underlying council, government, university-history or public reference pages.
Housing and micro-location
Maddingley 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.
Station and Maddingley Park
Best rail and park relationship, with potential parking, event, train and traffic effects. Inspect at commuter and weekend peaks.
Older village streets
Established houses and local history. Review building age, services, drainage, renovations and planning records.
Education and showground corridor
Schools and community facilities shape daily movement. Test drop-off traffic, pedestrian routes and event conditions.
Southern industrial and growth edge
New housing sits closer to former/current industrial and mining land. Check planning, environmental records, truck routes, utilities and future development.
Do not use a suburb median as a street-level price guide.
Compare the same property type, housing era, land characteristics, condition and micro-location. A lender valuation and independent appraisal may also use different evidence and assumptions.
Property market
What buyers have recently paid in Maddingley
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
$641,500160 sales over the latest 12 months
Lower quartile$575,00025th percentile sale price
Upper quartile$705,00075th percentile sale price
Estimated median value$676,235July 2026 estimate
Days on market30Latest 12-month result
New sale listings149Latest 12 months
Median asking rent$540/wk125 rental observations
Indicative gross yield4.1%July 2026 measure
Average ownership period7.2 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.
Very limited sample
Recent median sale price
$305,0009 sales over the latest 12 months
Lower quartile$252,50025th percentile sale price
Upper quartile$329,50075th percentile sale price
Estimated median value$467,478July 2026 estimate
Days on marketNot availableLatest 12-month result
New sale listings12Latest 12 months
Median asking rent$475/wk19 rental observations
Indicative gross yield4.7%July 2026 measure
Average ownership period3.0 yearsBroad suburb measure
Use this unit / townhouse result cautiously.
Only 9 sales were included in the rolling 12-month result, so individual transactions can move the median materially.
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.
Moderate sample
Recent median sale price
$326,00029 sales over the latest 12 months
Lower quartileNot available25th percentile sale price
Upper quartileNot available75th percentile sale price
Estimated median valueNot availableJuly 2026 estimate
Days on marketNot availableLatest 12-month result
New sale listingsNot availableLatest 12 months
Median asking rentNot applicableNo rental measure
Indicative gross yieldNot availableJuly 2026 measure
Average ownership periodNot availableBroad suburb measure
Vacant-land results can vary with lot size and development stage.
The 29-sale result is useful as broad context, but compare the exact block, estate, dimensions, title status and building obligations.
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
Maddingley house and unit values, July 2017-July 2026
HouseUnit
House and unit value measures for July of each year. Hover over chart points on desktop for values.
July 2025 to July 2026
July 2021 to July 2026
Nine-year historical change
Unit values can move on smaller samples
$676,235 house value in July 2026
The highest annual house value in the table was $676,235 in Jul 2026. The current figure is +0.0% relative to that peak.
$467,478 unit value in July 2026
The five-year unit change is +18.3%. 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
| Period | House value | Unit value |
|---|---|---|
| Jul 2017 | $423,150 | $311,065 |
| Jul 2018 | $484,171 | $325,886 |
| Jul 2019 | $491,731 | $352,996 |
| Jul 2020 | $524,696 | $340,612 |
| Jul 2021 | $598,669 | $395,158 |
| Jul 2022 | $666,332 | $446,739 |
| Jul 2023 | $654,053 | $467,061 |
| Jul 2024 | $651,136 | $479,711 |
| Jul 2025 | $661,931 | $445,297 |
| Jul 2026 | $676,235 | $467,478 |
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.
- Illustrative loan
- $609,425
- Current rate scenario
- 6.79% p.a.
- Monthly repayment
- $3,969
- Indicative FHB duty
- $9,285
- Cash incl. allowance
- $44,860
- Illustrative loan
- $577,350
- Current rate scenario
- 6.69% p.a.
- Monthly repayment
- $3,722
- Indicative FHB duty
- $9,285
- Cash incl. allowance
- $76,935
- Illustrative loan
- $513,200
- Current rate scenario
- 6.49% p.a.
- Monthly repayment
- $3,240
- Indicative FHB duty
- $9,285
- Cash incl. allowance
- $141,085
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$24,275Against 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.
The recent house median sits within the sliding-concession range
At $641,500, the indicative eligible first-home buyer duty is about $9,285. The concession reduces as the price moves from $600,001 to $750,000.
Read the Rate Challenge duty guide →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 →$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 →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.
| Suburb | House median | Unit median | House rent | House yield | House sales | Days on market | Eligible FHB duty position |
|---|---|---|---|---|---|---|---|
| Bacchus Marsh3340 · Moorabool Shire | $650,000 | $427,000 | $500/wk | 4.0% | 192 | 22 | Potential sliding concession |
| Darley3340 · Moorabool Shire | $665,100 | $430,000 | $500/wk | 3.8% | 173 | 27 | Potential sliding concession |
| Maddingley3340 · Moorabool Shire | $641,500 | $305,000 | $540/wk | 4.1% | 160 | 30 | Potential 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.
Harkness
House median $630,000 · unit median $440,000 · house rent $450/wk.
Open the Harkness buyer guide →Kurunjang
House median $615,000 · unit median $449,500 · house rent $430/wk.
Open the Kurunjang buyer guide →Melton West
House median $615,000 · unit median $433,500 · house rent $435/wk.
Open the Melton West buyer guide →Melton
House median $555,000 · unit median $425,000 · house rent $410/wk.
Open the Melton buyer guide →Melton South
House median $584,500 · unit median $410,000 · house rent $430/wk.
Open the Melton South buyer guide →People and housing
Who lived in Maddingley 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 Maddingley, not all postcode 3340. The suburb includes newer housing as well as rail, education and industrial interfaces, so the broad profile cannot replace exact-property checks.
Population 20215,491
Area25.4 km²
Parks18
Park land3.8%
Owner occupied73.5%
Largest age group30-39 years
The Census count grew quickly between 2016 and 2021.
The recorded population increased by 59.0%. Buyers should also check current housing development and infrastructure plans because growth can continue unevenly within a suburb.
Household structure
Population age
Household income bands
Occupation profile
Schools and zones
School options to check when buying in Maddingley
No school in the available 2025 school information has an exact Maddingley address. Buyers may still have several nearby choices. 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.
St Bernard's School
Catholic · Primary · Gisborne Road
Bacchus Marsh Primary School
Government · Primary · 56-62 Lerderderg Street
Pentland Primary School
Government · Primary · 164 Halletts Way
Bacchus Marsh College
Government · Secondary · 73 Grant Street
Bacchus Marsh Grammar
Independent · Pri/Sec · 34 South Maddingley Road
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.
Mayfield Early Education Maddingley
Long Day Care With Kindergarten Program. Approximate straight-line relationship from the suburb reference point: 1.5 km.
Confirm current sessions, vacancies, fees and travel from the exact address directly with the service.
Broaden the search beyond the suburb boundary
No exact Maddingley 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.
Federation TAFE - SMB
107 Lydiard Street, Ballarat
View the campus ↗Australian Catholic University - Ballarat Campus
Ballarat VIC 3350
View the campus ↗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.
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 ↗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 Maddingley
The suburb can help you shortlist. The final decision must be made using the exact address, contract, building condition, planning controls and finance position.
Check the exact property in VicPlan
Review the planning zone and overlays, including flood, bushfire, heritage, development and environmental controls where relevant.
Open VicPlan ↗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 ↗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 guide1 2 3 4
Use suburb figures to ask better questions - not to skip property checks
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.
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.
The address decides the details
School zone, planning overlays, flood, bushfire, transport access, noise and property condition can change from one street to another.
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 Maddingley
Why should a Maddingley buyer investigate former land use?
Because parts of the locality have mining, rail and industrial history. That does not imply every property has a problem; it means buyers near those interfaces should review planning and environmental records, truck/noise conditions, title information and lender/insurer acceptance for the exact address.
Is the median price what every property in Maddingley 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.
Maddingley buyer enquiry
Discuss the deposit, repayments and lender pathways for a property you are considering
Bring the exact Maddingley 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.
Found a property in Maddingley?
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.