Wodonga (VIC 3689) in Focus 2026: $685,000 Median, 4.3% Yield & 61/100 R-Score

Market Classification: Established Family & Commuter Corridor · R-Score: 61/100 (National Rank #5,977 of 15,286) · Street Average: 31/100 across 480 streets.

Wodonga (VIC 3689) represents a bread-and-butter Australian family housing market($685,000 median price, $560/wk rent, 4.3% gross yield) supported by +3.1% 3-year council population movement. Here, investment returns are determined almost entirely by micro-location: separating quiet, >65% owner-occupied pockets from main-road or high-public-housing blocks.

Below is our full September 2026 quantitative and street-level breakdown for Wodonga (VIC 3689), combining 36 months of settled price and rental history from our Aurora research warehouse, council-level supply and employment data for Wodonga (VIC), and block-by-block ABS 2021 Census SA1 tenure and yield rankings across 12,853 residential addresses.

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

Over the past 12 months, Wodonga’s median house price moved +6.2% (from $645,000 to $685,000), bringing its 3-year cumulative price movement to +6.4% (from $644,000 three years ago). On the rental side, median weekly asking rents moved +1.8% over the past year to $560/wk (+7.3% over 36 months), equating to a 4.3% gross rental yield. Compared with 12 months ago—when Wodonga carried an R-Score of 66/100—its current composite R-Score of 61/100 represents a -5-point shift in underlying market pressure.

Indicator / R-Score Pillar	Wodonga (VIC) Current	12-Month / 36-Month Context
Composite Suburb R-Score	61 / 100	Ranked #5,977 of 15,286 suburbs (was 66/100 12m ago)
Median House Price	$685,000	12m change: +6.2% · 36m change: +6.4%
Median Weekly Rent & Gross Yield	$560/wk (4.3%)	12m rent change: +1.8% · 36m rent change: +7.3%
Rental Vacancy & Days on Market	2.8% vacancy	Median selling time: 59 days on market (1.5% vacancy is the tight-market line)
Pillar 1: Buyer Demand	31 / 100	Measures days-on-market compression, vendor discounting & sales velocity
Pillar 2: Supply & Ownership	31 / 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 Wodonga & VIC
Pillar 4: Yield Pressure	60 / 100	Measures gross rental yield, rent trajectory & vacancy compression

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

Why do two 4-bedroom houses in Wodonga achieve completely different bank valuations and tenant quality? Because suburb medians blend every pocket together. When we map all 12,853 addresses across 480 streets in Wodonga through G-NAF to their ABS 2021 Census SA1 blocks, the suburb splits into three distinct tiers:

• Strong Street Profile (Score 75–100): 99 streets (27% of scored streets) pass both ABS Census tenure tests (owner-occupiers >65% and public housing ≤5%) plus at least one—or both—of the Wodonga rent and yield benchmarks.
• Mid / Mixed Street Profile (Score 50–74): 35 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): 230 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 Wodonga (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 480 streets in Wodonga):

Top Street in Wodonga	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Rent & Yield
#1 Hallawell Crescent	100/100	23	96%	0%	$42000/wk (352.5%)
#2 Beard Crescent	100/100	19	96%	0%	$42000/wk (352.5%)
#3 Bourke Crescent	100/100	17	96%	0%	$42000/wk (352.5%)
#4 Ardern Place	100/100	13	96%	0%	$42000/wk (352.5%)
#5 Phefley Court	100/100	12	96%	0%	$42000/wk (352.5%)

Streets Where Block-Level Tenure Trails the Wodonga 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 Wodonga:

Caution Street Sample	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Median Rent
Carkeek Street	0/100	34	47%	37.8%	$450/wk
Mann Street	0/100	25	47%	37.8%	$450/wk
Schlink Street	0/100	18	47%	37.8%	$450/wk

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

Wodonga sits within the Wodonga Local Government Area, which has a residential population of approximately 44,717 (+3.1% population movement over the past 3 years) and 16,517 total dwellings. Three council-level fundamentals shape Wodonga’s medium-term outlook:

• Local Employment Diversity (ABS Census): The largest employment sectors across Wodonga are Health Care and Social Assistance (14%), Public Administration and Safety (13%), Manufacturing (12%), Retail Trade (10%). 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, Wodonga approved 2.4% new dwelling stock (~421.519 dwellings). Because new approvals exceed 1.8% of stock, investors in Wodonga must avoid generic greenfield house-and-land pockets and stick to established, built-out streets.
• Tracked Infrastructure Pipeline: Wodonga currently has $1.6 billion in tracked major infrastructure projects (placing it in the 51th percentile of Australian councils).

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

What does it actually cost to acquire and hold a typical house in Wodonga at today’s median price of $685,000 and median rent of $560/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	Wodonga Worked Figure	Assumptions & Notes
Purchase Price (Suburb Median)	$685,000	Settled house median as of September 2026
20% Deposit + Est. Stamp Duty & Costs	$169,880	$137,000 deposit (80% LVR) + ~$32,880 stamp duty, legal & inspection allowance (can be funded via usable home equity)
80% LVR Loan Amount	$548,000	Standard no-LMI investor loan threshold
Gross Annual Rental Income	$29,120/yr ($560/wk)	4.3% gross rental yield before vacancies and expenses
Est. Annual Interest + Operating Costs	$41,785/yr	Assumes 6.25% interest-only ($34,250/yr) + ~1.1% for council rates, insurance & property management ($7,535/yr)
Pre-Tax Weekly Cashflow Position	-$244/wk top-up	Before tax deductions / depreciation (confirm post-tax position with your accountant)

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

Solid 61/100 R-Score Backed by Wodonga Fundamentals. Based on our September 2026 data, Wodonga is best suited to equity-backed homeowners and portfolio builders seeking a balanced entry price ($685,000) and 4.3% rental yield in VIC.

1. Never Buy Blind on the Suburb Median: In Wodonga, 230 streets score below 50/100 on our census tenure and yield tests. Always run the exact street through the Wodonga Street Score Hub and target the 99 streets scoring 75–100/100.
2. Check Lot-Level Overlays (Flood, Bushfire, Slope & Easements): Even on a 100/100 streetlike Hallawell Crescent, 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.