Swan Hill at a glance
10,783
People
$527,500
Median sale
$438/wk
Median rent
4.32%
Suburb gross yield
Median sale from 72 recorded sales (last 12 months) — a Districts calculation.
VIC › Swan Hill › Rutherford St
$260,000
For sale
Asking
3
Bedrooms
1
Bathrooms
0
Car spaces
650 m²
Land
Districts View
No detected risks — but see the checklist: absence of evidence is not an all-clear.
Each line above is labelled. A fact is quoted from the named source, with its date. A calculation is worked out by Districts from those facts — you can check the arithmetic. An interpretation is Districts' opinion of what the evidence means, not a fact, a valuation, or advice. Anything we haven't retrieved yet is marked as missing rather than treated as a pass.
Price evidence
Asking
$260,000
Asking · $400/m² of land
No recorded sale for this property.
Swan Hill at a glance
10,783
People
$527,500
Median sale
$438/wk
Median rent
4.32%
Suburb gross yield
Median sale from 72 recorded sales (last 12 months) — a Districts calculation.
Vs Swan Hill
-50.7%
Median sale
Suburb $527,500
+4.44 pp
Gross yield
Suburb 4.32%
Suburb median $527,500 from 72 recorded sales (last 12 months) — a Districts calculation, not a portal figure.
$15,083 on top of the price (5.8% extra)
Estimates only, at standard investor rates — no first-home or owner-occupier concessions applied. Not included: lenders mortgage insurance (usually applies when borrowing more than 80% of the price), loan application and settlement fees from your lender, the foreign-purchaser duty surcharge, and building insurance — in Queensland the property is at your risk from the first business day after signing, not from settlement. Verify with your conveyancer.
Stamp duty and transfer fees: Victoria schedules from 2026-07-01. Ongoing council rates and land tax are not included.
Pre-filled with Swan Hill's advertised median rent — not a rent for this listing.
Gross yield is weekly rent × 52 ÷ price. Net yield subtracts operating expenses. Cashflow then subtracts interest-only interest on price × LVR. Tax, vacancies, and principal repayments are not included.
Planning
Planning data is being calculated
Data unavailable
Source
Planning facts are copied from official government GIS where available. Where an official property PDF exists (VicPlan, PlanBuild), Districts stores and serves that original document. Neither is a planning certificate, survey, or advice.
Site
Terrain has not been calculated for this property yet.
Slope is calculated on a projected metric grid from a public DEM clip of the official parcel. This is not a survey, engineering, or insurance assessment.
Flood exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Bushfire exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Heritage listing has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Records
Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.
Capital growth
VICPlanning layers have not been retrieved for this property yet. A suburb median or growth rate is not a reason this particular lot would outperform. Funded catalyst catchments are not loaded. A TOD badge is not this product.
Official flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.” Victoria has no public statewide property-level DA API. Nearby pipeline is unknown.
Rental
No advertised rent is recorded. Suburb median rent $438/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms. No recorded off-street parking — often a discount versus the suburb median for the same beds.
Current comparable rental listings within 400 m of this lot are not loaded. Victoria has no public statewide property-level DA API. Nearby pipeline is unknown. Supply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded. Suburb vacancy or leased-tape days are not this property’s competition.
Gross yield if leased at the suburb aggregate is 8.8%. The yield that matters is the one on achieved rent, which has not been inferred for this address. Net yield (land tax, rates, insurance, vacancy) is not loaded. Net yield / holding costs are not estimated outside NSW without inventing land tax.
Verdict
Districts view
Not enough official evidence yet to underwrite this as an investment.
Detail
The same ten questions apply to every property. Missing flood, nearby DAs, achieved rents, or lot geometry is unknown — not “no.”
Do not treat a suburb median, an advertised yield, or a listing score as the case for this lot.
The evidence loaded so far isn't enough on its own to change a buy, offer, or walk-away decision for this property.
Evidence
Districts asks the same ten questions of every property. If one shows as unknown, that data isn't published for this state or hasn't been loaded yet — the question stays visible so you can see exactly what's missing.
1 of 10 questions answered so far
Development optionality of this lot
UnknownPlanning layers have not been retrieved for this property yet.
Nearby development pipeline
UnknownVictoria has no public statewide property-level DA API. Nearby pipeline is unknown.
Honest achievable rent
KnownlowThis is not “bond data says this address leases for $X.” The comparable figure is a suburb advertised/median rent, not this property. Official bond files (postcode or suburb × type × bedrooms) are not loaded yet.
Rental supply pressure
UnknownSupply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded.
Why is this cheap?
UnknownThe constraint stack has not been retrieved for this lot, so Districts cannot explain a discount versus land size.
Lot-level flood
UnknownOfficial flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.”
Catalyst exposure
UnknownFunded catalyst catchments are not loaded. A TOD badge is not this product.
This lot's DA history
UnknownDevelopment applications have not been queried for this parcel.
Statutory land value versus ask
UnknownStatutory land value is not available as free bulk data in this jurisdiction. Do not fake it with a suburb median.
Net yield / holding costs
UnknownNet yield / holding costs are not estimated outside NSW without inventing land tax.
Area
Swan Hill at a glance
10,783
People
$527,500
Median sale
$438/wk
Median rent
4.32%
Suburb gross yield
Median sale from 72 recorded sales (last 12 months) — a Districts calculation.
Listing material
Listed by Graeme Hayes Real EstatePositioned on an established allotment of approximately 650m², 51 Rutherford Street presents a compelling opportunity for buyers seeking a renovation project, investment, or potential redevelopment site (STCA) in a well-located residential area of Swan Hill.
The existing home comprises three bedrooms, all with carpet flooring and no built-in robes. A front entry opens into a reasonably sized lounge room, complete with a relatively new split system providing heating and cooling.
A central hallway connects all bedrooms and leads through to the main bathroom, which includes a shower, toilet and vanity. The kitchen retains its original style, featuring older cabinetry and benches, along with a reasonably new freestanding electric cooker.
Additional features include a rear laundry with access to a separate external toilet, established gardens, and a 6m x 3m (approx.) garden shed.
The property is in largely original condition and the property is best suited to buyers prepared to undertake a substantial renovation, or those considering a knockdown and rebuild (STCA).
Property Features:
• Approx. 650m² allotment
• Three-bedroom home
• Lounge with split system heating & cooling
• Original kitchen with electric cooker
• Rear laundry with external toilet
• Established yard with garden shed (approx. 6m x 3m)
• Excellent opportunity to renovate, rebuild or invest (STCA)
A value-driven opportunity in a convenient location - ideal for those ready to roll up their sleeves and unlock the property’s potential.
Listing description written by Michael Klomp, Graeme Hayes Real Estate — reproduced as published, not verified by Districts.
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