Median price trend for houses
Based on 6 sales in the preceding 12 months
$962,000
Up 33.6% over 12 months
- 3 bed
- $960k
- 4 bed
- $1.04m
- 5+ bed
- $1.28m
Aerial view
Imagery © Esri
The quick read on
Loch
VIC 3945 · Bass Coast
What homes cost, how rents have moved, and a feel for the people who call it home.
- Median house
- $962,000
- Population
- 707
- Postcode
- 3945
latest suburb median
ABS 2021
Loch, Victoria
Property market insights for Loch
Median sale price and rental income of properties in Loch VIC
Median rent trend for houses
Based on 2 rental listings in the preceding 12 months
Down 37.7% over 12 months
Market data updated October 2026.
The median house price in Loch, VIC is currently $962,000, based on the latest 12 months of sales. Loch has a 12-month growth rate of 33.6% for houses.
Three-bedroom houses have a median sale price of $960,000, Four-bedroom houses have a median sale price of $1,040,000, Larger houses have a median sale price of $1,280,000 in Loch.
The median house rent has decreased 37.7% over the last 12 months.
Crime and safety
Is Loch safe?
The overall rate for Loch is 3,127 offences per 100,000 residents — 23% below the Rest of Vic. benchmark.
That is the clearest suburb-wide answer. Open the detailed profile to see how the pattern changes across offence types and different parts of Loch.
Overall crime rate
3,127
offences per 100,000 residents
23% belowRest of Vic.
LochRest of Vic.: 4,070
Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.
The people behind the postcode
Who lives in Loch?
Loch VIC 3945 is in Victoria, within Rest of Vic..
707 people call Loch home, with an average of 2.5 people per household and a median household income of $1,526 a week.
Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.
- Population
- 707
- Median age
- 50 years
- Median mortgage
- $1,450 / month
- 2021 household rent
- $325 / week
Above the benchmarkBelow the benchmarkIn lineRest of Vic. benchmark
Age profile
Share of residents in each age band.
Under 1516.5%Below
15–3416.5%Below
35–5422.5%Below
55–7436.5%Above
75 and over6.2%Below
Homes
Share of occupied private dwellings.
Separate houses97.0%Above
Townhouses0.0%Below
Apartments0.0%Below
Ownership
Share of homes with a stated ownership or rental status.
Owned outright47.5%Above
Paying a mortgage43.1%Above
Renting9.4%Below
Cars at home
Vehicles available to occupied households.
No car0.0%Below
One car24.9%Below
Two cars43.3%Above
Three or more30.3%Above
Getting to work
Selected ways residents worked or travelled on Census day.
Worked from home25.9%Above
Drove to work56.7%Below
Train, tram or bus0.0%Below
Walked or cycled2.3%Below
What stands out in Loch
25.9% of workers in Loch worked from home on Census day — noticeably more common than across Rest of Vic..
5.8% of Loch residents were born in England, about twice the rate across Rest of Vic..
56.3% of people in Loch described themselves as having no religion in the 2021 Census.
A closer look at the Census
Questions people ask about Loch
Open any question for a plain-English reading of the public 2021 Census for Loch VIC 3945.
Is Loch family-friendly?Age, family structure and household size describe the community families would be joining.
16.5% of Loch's residents were children under 15 in the 2021 Census. That is close to the Rest of Vic. average.
209 family households lived in Loch; 33.0% were couple families and 9.6% were one-parent families.
24.9% of local families included children under 15. That is well below the Rest of Vic. average.
These are suburb-wide household figures, not school or childcare ratings.
What is the age profile of Loch?The balance between younger adults, families and older residents changes how a suburb feels day to day.
Loch had 707 residents at the 2021 Census.
20.2% of residents were aged 25 to 44.
42.7% were 55 or older. That is well above the Rest of Vic. average.
Age shares use the suburb’s total Census population.
What kind of homes are in Loch?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.
Separate houses made up 97.0% of occupied private dwellings in Loch.
Townhouses and other attached homes represented 0.0% of occupied private dwellings.
Flats and apartments accounted for 0.0% of occupied private dwellings.
All three shares use occupied private dwellings as the denominator.
Do people own or rent in Loch?Tenure shows how many households own outright, have a mortgage or rent.
47.5% of households with a stated tenure owned their home outright. That is well above the Rest of Vic. average.
43.1% were buying their home with a mortgage.
9.4% rented their home. That is about half the Rest of Vic. rate.
Tenure shares include households that stated one of these three arrangements.
How large are households in Loch?Household-size data shows the mix behind the suburb-wide average.
The average household in Loch had 2.5 people.
One-person households made up 22.0% of occupied homes. That is well below the Rest of Vic. average.
Two-person households represented 45.5%, while 22.8% had four or more usual residents.
Household size counts usual residents in occupied homes.
How do people get to work in Loch?Census-day travel shows the balance between home, road, public transport and active travel.
25.9% of workers worked from home on Census day. That is well above the Rest of Vic. average.
56.7% drove a car as their only travel method. That is somewhat below the Rest of Vic. average.
0.0% used only a train, tram or bus, while 2.3% walked or cycled.
Travel figures are a 2021 Census-day snapshot.
How many cars do households have in Loch?Vehicle availability helps describe the routines local households can support.
0.0% of occupied households had no motor vehicle available. That is about half the Rest of Vic. rate.
One-car households formed 24.9% of the total.
73.6% of households had two or more vehicles.
Vehicle counts refer to occupied households, not individual residents.
Who's moving to Loch, and who stays?Address history shows how settled or recently mobile residents were at the Census date.
64.6% were at the same address five years earlier, while 35.4% reported a different address.
12.2% of residents were born outside Australia. That is almost exactly typical for Rest of Vic..
Mobility figures cover residents who answered the relevant Census question.
What languages are spoken in Loch?Language at home gives a direct view of the community’s everyday linguistic mix.
91.9% of residents used only English at home.
2.5% used a language other than English at home.
0.6% spoke Mandarin at home, 0.0% spoke Cantonese and 0.0% spoke Hindi.
Home language is separate from English proficiency.
Where were Loch residents born?Birthplace adds another layer to the local story, separate from ancestry and language.
12.2% of Loch's population was born outside Australia, while roughly 87.8% was born in Australia.
0.0% of residents were born in China.
0.0% were born in India, while Australian citizenship across the whole suburb stood at 91.2%.
Birthplace, citizenship and ancestry describe different parts of identity.
What ancestries shape Loch?Ancestry responses show how residents describe family and cultural background.
English ancestry accounted for 46.5% of ancestry responses in Loch.
Australian ancestry made up 44.6% of responses.
Chinese ancestry represented 0.0% of responses.
People may nominate more than one ancestry, so these are shares of responses.
What work do people do in Loch?Occupation describes a person’s role; industry describes the sector employing them.
15.1% of employed residents worked in professional occupations. That is somewhat below the Rest of Vic. average.
Managers accounted for 24.2% of employed residents, while clerical and administrative workers made up 10.3%.
Health care and social assistance employed 11.1% of workers, and education and training employed 8.8%.
Occupation and industry figures describe employed residents of the suburb.
How active is the workforce in Loch?Participation, employment pattern and unemployment describe the resident labour force.
The labour-force participation rate was 62.1%, compared with 57.4% across Rest of Vic..
34.4% of residents aged 15 and over worked full time, while 19.5% worked part time.
Unemployment was 3.0%, compared with 4.1% across Rest of Vic..
Labour-force figures come from the 2021 Census.
What does the health profile of Loch show?Selected long-term health conditions help describe community service needs.
59.1% reported no selected long-term health condition.
9.6% reported a long-term mental health condition, including depression or anxiety.
8.8% reported asthma, 10.0% arthritis and 5.0% diabetes excluding gestational diabetes.
These are self-reported suburb-wide Census figures, not address-level health risks.
How educated is Loch?Qualifications describe the study pathways represented among local residents.
15.2% of people in the qualifications table held a bachelor degree. That is somewhat below the Rest of Vic. average.
Postgraduate degrees accounted for 5.1% of qualification responses.
Diploma-level qualifications represented 20.0%, while certificate-level qualifications represented 39.5%.
Qualification categories are reported separately and are not school ratings.
What do incomes and housing costs look like in Loch?Census income and household payments give historical context for local living costs.
Median household income was $1,526 per week in the 2021 Census.
The median monthly mortgage repayment reported by local households was $1,450.
Occupied renting households reported a median rent of $325 per week.
These household figures are from 2021; current sale and asking-rent medians appear in the market section.
How does Loch compare with Rest of Vic.?A few clear differences place the suburb in its wider metropolitan context.
Working from home was 25.9% in Loch, compared with 15.1% across Rest of Vic..
Outright ownership was 47.5% locally and 40.9% across Rest of Vic.. That is well above the Rest of Vic. average.
Renting accounted for 9.4% in Loch, against 24.5% across Rest of Vic..
Capital-region comparisons use the same Census definitions and year.
Three useful questions
A buyer’s quick guide to Loch
Is Loch expensive?
The median house price is $962,000. Bedroom count, land and condition still create a wide range around those suburb medians.
Is Loch good for families?
The Census counted 209 local families, and 16.5% of residents were under 15. That describes the community; school quality, travel times and the right fit for a particular family need separate research.
What can I get for $1.5m in Loch?
Larger houses have a median around $1,280,000, the closest bedroom benchmark we hold to a $1.5m budget. Individual homes can differ substantially with block size, renovation and location.
Medians describe recorded market activity across the suburb; they are historical context, not a valuation or forecast for an individual home.
Explore the area
Streets and suburbs around Loch
48 streets in Loch
Street-by-street reports are not published yet. The streets below are the ones this suburb covers.
- Albert Rd
- Anderson Hill Rd
- Bass Valley Rd
- Bells Rd
- Berrys Rd
- Bingham Rd
- Boundary Rd
- Bowcher Ln
- Clarence St
- Clark Rd
- Cochrane Rd
- Colliers Rd
- Collins Rd
- Cooks Outlet Rd
- Crawford Road
- Davenport Rd
- Davenport Road
- Dilger Rd
Show all 48 streetsShow fewer streets
- Ferriers Rd
- Gilligans
- Goldies Rd
- Greens Rd
- Henrys Rd
- Humphreys Rd
- Kernot-Loch Rd
- Loch-Kernot Rd
- Loch-Poowong Rd
- Loch-Wonthaggi Rd
- Lohs Rd
- Makeham Rd
- Mary St
- Mckenzies Rd
- Nyora-St Helier Rd
- Patersons Rd
- Queen St
- Rawlings Ln
- Roy St
- Sanctuary Cl
- Scout Dr
- Sharpe Rd
- Smith St
- Soldiers Rd
- South Gippsland Hwy
- South Rd
- Speight St
- Sunnyside Rd
- Victoria Rd
- Walker Rd
12 suburbs surrounding Loch
Compare nearby suburb prices, rents and five-year market trends.
Keep exploring
Is Loch right for your search?
Use the finders to compare places and properties, or open the full report when you need the street, risk, schools and growth research.
Read the thinking
Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.