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Victor Harbour is indeed south but too far to commute to Adelaide.

I'd be considering the southern suburbs of Adelaide (Christies Downs, Hackham etc). Note these are not prestige suburbs but they are in your price range. For high 100k you can get a 3 x 1 on 650 sqm less than 30 km from the CBD and it's also near the beach. Adelaide market is hot right now...