Surf Beach Demographics: Population, Age & Income Profile (VIC)
Liveability Score
5.5/10Surf Beach has a medium demographic profile typical of Victoria suburbs
Key Facts
- Median Age
- 38 years (state avg)
- Median Household Income
- $1,354/wk (state avg)
- Families with Children
- 29.9% of households
- Home Ownership
- 66.2% own — 30.2% rent
- Postcode
- 3922
- Highest high-risk exposure
- 10.4% of land (surface flood)
Demographics Analysis
Surf Beach in Victoria reflects the broader demographic characteristics of the region. According to the Australian Bureau of Statistics (ABS) 2021 Census, the typical household in Victoria has a median weekly income of around $1,354, with a median age of 38 years.
The ABS reports that 29.9% of households in Victoria are couples with children, while 24.7% are couples without children. Lone person households account for 24.5% of households. This family composition data helps home buyers understand the neighbourhood character and amenity demand.
Home ownership rates in Victoria show that 66.2% of households own their home (with or without a mortgage), while 30.2% rent. These tenure patterns affect property turnover rates, rental demand, and neighbourhood stability — all important factors for home buyers evaluating Surf Beach.
Climate risk is an increasingly important factor for property buyers evaluating suburbs like Surf Beach. Different demographic groups face different climate exposure profiles — families may prioritise heat safety near schools, while retirees may be more concerned about insurance costs in flood-prone areas. Get an address-level climate risk report for your Surf Beach property to understand how climate projections may affect your investment.
Surf Beach (postcode 3922) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are surface flood (10.4% of land in high-risk zones), bushfire (8.9% of land in high-risk zones), riverine flood (7.4% of land in high-risk zones). Exposure is not uniform across Surf Beach — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.
Adaptation & Mitigation Actions
Coastal Dune Restoration and Management
Near-termImplement programs to restore and maintain coastal dunes, which act as natural buffers against erosion and storm surge. This includes revegetation with native species and managing public access.
Est. cost: $50,000 - $200,000
Bushfire Hazard Reduction Zones
ImmediateEstablish and maintain strategic fuel reduction zones around the urban interface, particularly in areas adjacent to coastal heath and grasslands. This involves controlled burns and mechanical clearing.
Est. cost: $20,000 - $100,000 annually
Home Retrofitting for Heat and Fire Resilience
Near-termEncourage and provide resources for homeowners to retrofit properties with features that improve resilience to heat (e.g., improved insulation, reflective roofing) and bushfire (e.g., ember-resistant vents, fire-resistant building materials).
Est. cost: $10,000 - $50,000 per property
Stormwater Management and Flood Mitigation
Near-termUpgrade and maintain local stormwater drainage systems to cope with increased rainfall intensity. Consider permeable paving and rainwater harvesting in new developments to reduce runoff.
Est. cost: $100,000 - $500,000
Community Education and Preparedness Programs
ImmediateDevelop and deliver targeted education programs for residents on bushfire preparedness, heatwave safety, and understanding coastal risks. This includes promoting the use of emergency alert systems.
Est. cost: $5,000 - $20,000 annually
Council & Emergency Services
Explore Surf Beach Risk Reports
View other climate risk assessments for Surf Beach:
Frequently Asked Questions
What is the population of Surf Beach?
Population data for Surf Beach comes from the ABS 2021 Census, the most recent national census. For the most current suburb-level population data, refer to ABS QuickStats or consult the Victoria state government's population projections. Understanding population trends helps home buyers assess housing demand, infrastructure investment, and neighbourhood character.
What is the median age in Surf Beach?
The median age for Victoria is 38 years according to the 2021 ABS Census, which serves as a reference point for Surf Beach. A younger median age often indicates more families and first home buyers, while older demographics suggest established households and potentially lower turnover. Both have implications for property demand and investment strategy.
What is the average household income in Surf Beach?
The median weekly household income in Victoria is $1,354 per week (ABS 2021 Census). Household income affects serviceability for mortgage lending, rental affordability, and the type of housing stock in demand within a suburb. Higher-income areas typically support stronger property values and faster capital growth. Combine demographic research with a climate risk report from ClimateNest for a complete property assessment.
What type of people live in Surf Beach?
The demographic profile of Surf Beach is broadly shaped by its location within Victoria. According to the ABS Census, 29.9% of households in the state are couples with children, while 24.7% are couples without children. The overall population of Victoria has a median age of 38 — use this as context when assessing the demographic character of Surf Beach.
What share of Surf Beach is exposed to high surface flood risk?
ClimateNest's hazard overlay maps 10.4% of Surf Beach in high-risk zones for surface flood, with a further 64.6% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.
Is Surf Beach Safe from Climate Risk?
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