Cobram (VIC 3643) in Focus 2026: $421,000 Median, 6.6% Yield & 89/100 R-Score

Market Classification: High-Yield & Momentum Sweet Spot · R-Score: 89/100 (National Rank #1,718 of 15,286) · Street Average: 50/100 across 186 streets.

In a 6%+ interest rate environment, most Australian suburbs force investors to choose between capital growth momentum and holding cashflow. Cobram is one of the rare markets in VIC currently delivering both: a 89/100 R-Score paired with a 6.6% gross rental yield at a $421,000 median price. That yield profile preserves bank borrowing serviceability so investors can sequence their next acquisition without a punishing cashflow deficit.

Below is our full September 2026 quantitative and street-level breakdown for Cobram (VIC 3643), combining 36 months of settled price and rental history from our Aurora research warehouse, council-level supply and employment data for Moira (VIC), and block-by-block ABS 2021 Census SA1 tenure and yield rankings across 4,693 residential addresses.

1. Cobram (VIC) 3-Year Market Trajectory & 27-Indicator R-Score (September 2026)

Over the past 12 months, Cobram’s median house price moved +6.6% (from $395,000 to $421,000), bringing its 3-year cumulative price movement to -5.2% (from $444,000 three years ago). On the rental side, median weekly asking rents moved +15.2% over the past year to $530/wk (+19.1% over 36 months), equating to a 6.6% gross rental yield. Compared with 12 months ago—when Cobram carried an R-Score of 99/100—its current composite R-Score of 89/100 represents a -10-point shift in underlying market pressure.

Indicator / R-Score Pillar	Cobram (VIC) Current	12-Month / 36-Month Context
Composite Suburb R-Score	89 / 100	Ranked #1,718 of 15,286 suburbs (was 99/100 12m ago)
Median House Price	$421,000	12m change: +6.6% · 36m change: -5.2%
Median Weekly Rent & Gross Yield	$530/wk (6.6%)	12m rent change: +15.2% · 36m rent change: +19.1%
Rental Vacancy & Days on Market	3% vacancy	Median selling time: 129 days on market (1.5% vacancy is the tight-market line)
Pillar 1: Buyer Demand	21 / 100	Measures days-on-market compression, vendor discounting & sales velocity
Pillar 2: Supply & Ownership	35 / 100	Measures stock on market, building approvals vs stock & owner-occupier share
Pillar 3: Price Momentum	77 / 100	Measures short/medium-term price velocity vs Moira & VIC
Pillar 4: Yield Pressure	58 / 100	Measures gross rental yield, rent trajectory & vacancy compression

2. The “Two-Speed Suburb” Test: Best & Worst Streets in Cobram (VIC)

Why do two 4-bedroom houses in Cobram achieve completely different bank valuations and tenant quality? Because suburb medians blend every pocket together. When we map all 4,693 addresses across 186 streets in Cobram through G-NAF to their ABS 2021 Census SA1 blocks, the suburb splits into three distinct tiers:

• Strong Street Profile (Score 75–100): 49 streets (36% of scored streets) pass both ABS Census tenure tests (owner-occupiers >65% and public housing ≤5%) plus at least one—or both—of the Cobram rent and yield benchmarks.
• Mid / Mixed Street Profile (Score 50–74): 30 streets pass the core owner-occupier and public-housing thresholds but sit below the suburb median on weekly rent or yield.
• Weaker / Caution Street Profile (Score 0–25): 57 streets fail one or both census tenure thresholds—meaning either owner-occupation sits at or below 65% or state/community public housing exceeds 5% on those specific SA1 blocks.

Top 5 Highest-Scoring Streets in Cobram (VIC)

These streets sit in SA1 census blocks with high homeowner pride of ownership, minimal social housing concentration, and strong block-level rents (inspect all 186 streets in Cobram):

Top Street in Cobram	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Rent & Yield
#1 Schubert Street	100/100	26	81%	0%	$485/wk (8.4%)
#2 Gorton Street	100/100	23	81%	0%	$485/wk (8.4%)
#3 Irene Street	100/100	23	81%	0%	$485/wk (8.4%)
#4 Nicolina Street	100/100	19	81%	0%	$485/wk (8.4%)
#5 Grasso Drive	100/100	52	81%	0%	$496/wk (8.6%)

Streets Where Block-Level Tenure Trails the Cobram Average

By contrast, the streets below run through SA1 census blocks that fail one or more of our tenure or rental tests. A lower Street Score is not a judgement of any individual house, but it highlights where higher renter turnover or public housing concentration exists within Cobram:

Caution Street Sample	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Median Rent
Wallowa Street	0/100	41	45%	27.8%	$430/wk
Blackwood Crescent	0/100	40	45%	27.8%	$430/wk
Acacia Street	0/100	30	45%	27.8%	$430/wk

3. Economic & Supply Drivers in Moira Council (Victoria)

Cobram sits within the Moira Local Government Area, which has a residential population of approximately 30,866 (+1.3% population movement over the past 3 years) and 13,794 total dwellings. Three council-level fundamentals shape Cobram’s medium-term outlook:

• Local Employment Diversity (ABS Census): The largest employment sectors across Moira are Agriculture, Forestry and Fishing (19%), Manufacturing (14%), Health Care and Social Assistance (11%), Retail Trade (11%). Multi-sector employment reduces reliance on any single employer or commodity cycle.
• New Building Approvals vs. Existing Stock: Over the latest 12-month financial year, Moira approved 2.9% new dwelling stock (~402.856 dwellings). Because new approvals exceed 1.8% of stock, investors in Cobram must avoid generic greenfield house-and-land pockets and stick to established, built-out streets.
• State Comparison: Compare Cobram against the Top 25 Highest R-Score Suburbs in VIC.

4. Worked Cashflow, Deposit & 80% LVR Stress-Test for Cobram (September 2026)

What does it actually cost to acquire and hold a typical house in Cobram at today’s median price of $421,000 and median rent of $530/wk? Below is the baseline 80% Loan-to-Value Ratio (LVR) model we use to stress-test serviceability before shortlisting a property:

Cashflow & Capital Item	Cobram Worked Figure	Assumptions & Notes
Purchase Price (Suburb Median)	$421,000	Settled house median as of September 2026
20% Deposit + Est. Stamp Duty & Costs	$104,408	$84,200 deposit (80% LVR) + ~$20,208 stamp duty, legal & inspection allowance (can be funded via usable home equity)
80% LVR Loan Amount	$336,800	Standard no-LMI investor loan threshold
Gross Annual Rental Income	$27,560/yr ($530/wk)	6.6% gross rental yield before vacancies and expenses
Est. Annual Interest + Operating Costs	$25,681/yr	Assumes 6.25% interest-only ($21,050/yr) + ~1.1% for council rates, insurance & property management ($4,631/yr)
Pre-Tax Weekly Cashflow Position	+$36/wk surplus	Before tax deductions / depreciation (confirm post-tax position with your accountant)

5. Who Should Buy in Cobram—And 3 Rules Before You Make an Offer

Rare Convergence of 5%+ Gross Rental Yield and Top-Quartile Demand. Based on our September 2026 data, Cobram is best suited to first-time property investors, homeowners unlocking $150k–$250k in equity, and second/third property buyers who need strong rental yield (6.6%) to preserve bank borrowing capacity while capturing capital growth.

1. Never Buy Blind on the Suburb Median: In Cobram, 57 streets score below 50/100 on our census tenure and yield tests. Always run the exact street through the Cobram Street Score Hub and target the 49 streets scoring 75–100/100.
2. Check Lot-Level Overlays (Flood, Bushfire, Slope & Easements): Even on a 100/100 streetlike Schubert Street, individual lots can carry overland flow paths, steep gradients, or sewer easements that restrict granny-flat additions or spike insurance premiums.
3. Price Against Street-Matched Settled Comparables: Do not let a selling agent justify an asking price on a 25/100 street using comparable sales from a 100/100 street. Compare settled sales within the same SA1 Street Score band.