Question 1

Is Cardigan a nice place to live?

Accepted Answer

Cardigan is a small rural locality on the edge of the Ballarat region, set among rolling farmland where broadacre farms and lifestyle properties sit alongside older weatherboard and brick farmhouses. Life is shaped by open paddocks, scattered native trees and a pace that suits outdoor living. The community of about 1,064 people has a median age of 36 and is weighted towards couple families, with owner-occupation dominant (92.7% of homes).

Local services are limited, so shops, schools and rail links are reached in neighbouring centres while regional roads provide straightforward connections. The Cardigan Village Reserve has recently been upgraded with a BMX pump track, an all-abilities playground, fitness stations, a small sensory garden and a connecting circuit path. A flood mitigation project is progressing through design and council has allocated drainage funding, and new school bus services link the village with Lucas Primary, Siena Catholic Primary and Ballarat High School. That combination tends to suit people who work the land or commute to nearby towns; whether Cardigan fits you depends on how much you want a rural pace with limited local services.

Question 2

Is it expensive to live in Cardigan?

Accepted Answer

Cardigan's median total household income as recorded at the most recent Census was $2,713 a week. There haven't been enough recent sales or rentals in the suburb to publish reliable house or unit prices or rents, so it's not possible to describe how expensive it is to live here compared with local incomes.

Everyone's financial situation is different, so it's important to consider your own circumstances when deciding which suburb is right for you.

Question 3

Is Cardigan a good place to invest?

Accepted Answer

Median house values in Cardigan rose 15.8% over the past 12 months. For someone weighing Cardigan up as an investment, that sizeable increase is the capital growth story for the year and is the figure that matters if capital appreciation is your priority. Whether that fits your objectives and circumstances is for you to judge.

This information has been prepared without taking your objectives, needs and overall financial situation into account. It is not meant to be a substitute for professional financial advice. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice.

	Houses	Units
Median price Past 3 months	N/A	N/A
Change in value Past 12 months	15.8%	N/A
Sold Past 3 months	7	N/A
Median days on market Past 12 months	30	N/A
Average rent Past 12 months	N/A	N/A
Change in rent Past 12 months	N/A	N/A

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