Charlemont, VIC 3217
Greater Geelong City, Victoria
Good to Know
Charlemont, VIC 3217 is a tightly-held house market in the City of Greater Geelong area, currently positioned as a long-hold capital growth submarket. It is home to roughly 2,612 adults across 3,590 dwellings, and records a vacancy rate of 1.47%.
According to HtAG Analytics, Charlemont is exhibiting demand-led behaviour. Stock on Market sits at 0.41% and Inventory at 1.69 months — below the ~3-month balanced threshold and signalling constrained available supply — driving +12.4% YoY price growth and +3.9% YoY rent growth.
What the market data is signalling
Prices in Charlemont are running ahead of rents — +12.4% annual price growth vs +3.9% annual rent growth — which points to strong capital momentum and buyer competition. Yields remain reasonable at 3.95%, while low Inventory (1.69 months) and quick sales (DOM 12 days) are consistent with tight listing conditions. For a visual of how this suburb sits inside national market heatmaps, see the Markets in the Moment (MiM™) heatmap.
Who lives in Charlemont — and why it matters for investors
Charlemont posts an IRSAD of 1053, above common recommended thresholds, which suggests relative socio-economic resilience and lower susceptibility to rental volatility. The Renter/Owner split is 28.0% (neutral), indicating a mixed tenure market that can support both capital-growth and rental-demand narratives. For more on how area advantage affects growth, see the IRSAD Crossover study.
Why suburb-level data matters for Charlemont
Council-level averages often blur distinct pockets; Charlemont should be judged on its own metrics. In this suburb the typical house price is $693,955, gross yield 3.95%, Stock on Market 0.41%, Inventory 1.69 months and median days on market 12 days — a profile that signals tight listings and fast turnover. Detailed, localised metrics like these are what drive investment decisions rather than broad council averages. Read more on methodology in our LGA vs Suburb research.
For the complete downloadable dataset, see the full Charlemont data guide.
What's behind the RCS™ score of 89
The HtAG RCS™ bundles three independent dimensions — risk minimisation, capital-growth potential and cashflow resilience — into a single composite so you can quickly screen fit-for-strategy markets. An overall score of 89 indicates strong combined potential, but you should inspect the component sub-scores to match the suburb to your investment horizon and risk appetite; see how the RCS™ is built: how the RCS™ is built. To explore Charlemont interactively, open Charlemont in HtAG Copilot.
Forward signals to watch
The vacancy rate — currently 1.47%: a neutral reading that, if sustained, supports steady rental income but would not on its own signal acute shortage or oversupply over 12–24 months.
The building approvals ratio — currently 7.43%: a high approval rate that points to elevated pipeline supply; if those projects proceed to completion, they could ease price pressure and compress rental yields over time.
The Melbourne cycle phase: any city-wide shift in the Melbourne cycle would filter through to local momentum in Charlemont — acceleration in the city phase would typically boost buyer activity and price growth locally, while a slowing city cycle would dampen demand.
Does this area meet your investment goals?
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RCS Breakdown
Charlemont's RCS™ headline is an overall signal — but it doesn't tell you why. The three sub-scores below reveal whether that score is earned through risk minimisation, capital growth, or cashflow — and which portfolio brief it fits.
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Critical to know
Market Trends
Charlemont's headline values — $693K to buy and $526PW to rent, a 3.94% gross yield. Over the past decade, prices have moved 232.36% and rents 46.39% — the Yield series shows whether that gap is widening (price outpacing rent, yield compressing) or closing.
$693K is today. The 10-year trajectory reveals whether that's the top of a run, the start of a new leg, or somewhere mid-cycle. Sign up to unlock the entire trend line.
$526PW today, with rent growth at (+3.94% YoY) compared to price growth (+12.42%). That spread determines yield is expanding or compressing across the next cycle. Sign up to unlock the entire trend line.
Where is Charlemont in its cycle - and is the 3.94% yield holding?
Cycle phase tells you whether you're buying near the bottom (room to run) or top (compression ahead). Yield trajectory tells you whether cashflow is durable or being eroded — the single most important question for a long-hold thesis.
Cycle Phase
Cycle Position
Yield Trajectory
Rent vs Price Spread
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Area Risks
Property data alone won't flag the structural risks that can erode a long-hold position. Bushfire overlays, flood-zone exposure, and economic concentration sit outside the price feed but determine whether your capital is insurable, defensible, and structurally protected. Unlock to see.
Are there hidden structural risks shaping Charlemont's long-hold story?
Beyond the headline price, Charlemont carries risk signals a median can't show — hazard exposure from bushfire and flood overlays, and how narrowly local employment leans on a handful of sectors (the concentration the EDI score quantifies). Together these separate insurable, defensible long-holds from those carrying tail-risk that never surfaces in the headline number.
MADI Risk
EDI Risk
Bushfire
Flood
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Critical to know
Supply & Demand
Charlemont's headline numbers show where the market is today. The two cards below answer where it's heading. Direction is what separates a buy from a wait.
Is housing supply tightening or building up?
Stock on Market is one number — the trend is what matters. SoM, inventory, building approvals and hold period together reveal whether the market is starving for stock (price pressure up) or quietly building a pipeline (pressure down).
Stock on Market
Inventory
Building Approvals
Hold Period
Is buyer and renter demand heating up or cooling off?
Vacancy is one signal — the real question is whether demand is still building or quietly peaking. Days on market, vacancy, search index and clearance rate are the four pulse-points — when they diverge, they signal a turning point.
Days on Market
Vacancy Rate
Search Index
Clearance Rate
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Fundamentals
Charlemont can look solid on the surface — but the three layers below separate markets that genuinely hold value from ones that only look like they do.
Is Charlemont genuinely stable - or just expensive?
IRSAD hints at affluence, but socio-economic strength alone doesn't guarantee resilience. Combined with the renter-to-owner balance and unit-to-house ratio, you get the three signals that separate a tightly-held submarket from one carrying hidden volatility.
IRSAD
Renter to Owner
Units to Houses
Where do Charlemont prices go over the next 12 months?
Today's headline price is just a snapshot. Projected ROI and the volatility index tell you whether to commit capital now, wait for a softer entry, or rotate into a steadie submarket.
Projected Annual ROI
Volatility Index
Can you actually buy into Charlemont - and exit cleanly?
Tightly-held areas reward long-hold investors but punish anyone who needs liquidity. Annual sales and rental volume reveal whether your capital can reposition — or sits structurally locked in.
Annual Sales Volume
Annual Rental Volume
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Important to know
Education & Infrastructure
Charlemont looks tightly-held and stable on the surface — but the three layers below separate areas that genuinely hold value from ones that only look like they do.
Does Charlemont's school catchment + infrastructure pipeline justify the price?
School ranks anchor family demand and tenant quality. The active infrastructure pipeline shifts a suburb's price ceiling over the next 5–10 years. Together they tell you whether Charlemont has structural support for the next leg of capital growth.
School Rank
Hospitals & Employment
Infrastructure Spend
Transport Projects
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Full HtAG Intelligence
Charlemont shows potential. The platform tells you whether it's the best fit for your portfolio.
Price and yield are only the surface. HtAG reads the forces underneath — supply tightening or loosening, demand heating or cooling, and the risks that move slowly but decide long-term growth. Together they show whether Charlemont has the structural support for its next leg — or whether the numbers are running ahead of the fundamentals.
The total adult population (15 years or older) of Charlemont 3217 VIC is 2,102, with a median age of 29. Of those, 37.06% are married, 9.99% are divorced or separated, 50.14% are single and 2.95% are widowed.
The average household size is 2.5 people per dwelling, and the median household monthly income is estimated to be $9,136. The median monthly mortgage repayment for households in this suburb is $1,733 which is 18.97% of their earnings.
Source: ABS Census Data (2021)