Tocumwal - Finley - Jerilderie
Statistical Area - sa2

Tocumwal - Finley - Jerilderie is positioned among the lower quartile of areas assessed nationally for population growth based on AreaSearch's assessment of recent, and medium term trends

Based on AreaSearch's analysis, Tocumwal - Finley - Jerilderie's population is around 10,053 as of Nov 2025. This reflects an increase of 275 people (2.8%) since the 2021 Census, which reported a population of 9,778 people. The change is inferred from the estimated resident population of 9,858 from the ABS as of June 2024 and an additional 178 validated new addresses since the Census date. This level of population equates to a density ratio of 2.0 persons per square kilometer. Tocumwal - Finley - Jerilderie's 2.8% growth since census positions it within 2.3 percentage points of the non-metro area (5.1%), demonstrating competitive growth fundamentals. Population growth for the area was primarily driven by overseas migration, contributing approximately 68.3% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, as released in 2024 with 2022 as the base year. For any SA2 areas not covered by this data, AreaSearch is utilising the NSW State Government's SA2 level projections, as released in 2022 with 2021 as the base year. Growth rates by age group from these aggregations are also applied to all areas for years 2032 to 2041. Based on demographic trends and latest population numbers, the area is expected to expand by 702 persons to 2041, with an increase of 5.0% in total over the 17 years.

Residential development activity is lower than average in Tocumwal - Finley - Jerilderie according to AreaSearch's national comparison of local real estate markets

Tocumwal-Finley-Jerilderie has seen approximately 44 new homes approved annually over the past five financial years, totalling 223 homes. In FY-26 so far, 22 approvals have been recorded. Commercial approvals this year total $13.5 million. The area has around three-quarters the rate of new dwelling approvals per person compared to Rest of NSW, placing it among the 58th percentile nationally.

New development consists of 94% standalone homes and 6% medium-high density housing. There are approximately 268 people per dwelling approval, indicating a low-density market. Population forecasts suggest Tocumwal-Finley-Jerilderie will gain 506 residents by 2041.

At current development rates, new housing supply should meet demand comfortably, providing good conditions for buyers and potentially supporting growth beyond current projections.

Tocumwal - Finley - Jerilderie has emerging levels of nearby infrastructure activity, ranking in the 26thth percentile nationally

Changes in local infrastructure significantly impact an area's performance. AreaSearch has identified 17 projects that could affect the region. Notable projects include Barooga Cobram Road Reconstruction, Thompsons Beach and Kennedy Park Precinct Plan, NCN Health Cobram Urgent Care Centre Renovation, and VICSES Cobram Unit. The following list details those most likely to be relevant.

Professional plan users can use the search below to filter and access additional projects.

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AreaSearch analysis indicates Tocumwal - Finley - Jerilderie maintains employment conditions that align with national benchmarks

Tocumwal-Finley-Jerilderie has a balanced white and blue collar workforce with diverse sector representation as of June 2025. The unemployment rate is 3.3%, below the Rest of NSW's 3.7%.

Employment growth in the past year was estimated at 4.3%. There are 5,152 residents employed, with a participation rate of 49.5% compared to Rest of NSW's 56.4%. Leading industries include agriculture, forestry & fishing, health care & social assistance, and retail trade. The area is strongly specialized in agriculture, forestry & fishing (employment share 4.0 times the regional level), but health care & social assistance employs only 13.0% of local workers compared to Rest of NSW's 16.9%.

Employment opportunities locally appear limited based on Census data comparison. Over a 12-month period, employment increased by 4.3%, labour force by 4.5%, raising the unemployment rate by 0.1 percentage points. In contrast, Rest of NSW saw employment decline by 0.1% and unemployment rise by 0.4 percentage points. National employment forecasts from Jobs and Skills Australia (May 2025) project a 6.6% growth over five years and 13.7% over ten years. Applying these projections to Tocumwal-Finley-Jerilderie's industry mix suggests local growth of approximately 5.3% over five years and 11.8% over ten years, assuming constant population projections for illustrative purposes.

Income metrics place the area in the bottom 10% of locations nationally according to AreaSearch analysis

Tocumwal-Finley-Jerilderie had median taxpayer income of $43,267 and average of $52,903 in financial year 2022. This is below national averages of $49,459 (median) and $62,998 (average). By September 2025, adjusted for Wage Price Index growth of 12.61%, estimated incomes are approximately $48,723 (median) and $59,574 (average). Census data from 2021 shows household, family, and personal incomes in Tocumwal-Finley-Jerilderie between the 10th and 16th percentiles nationally. Predominant income cohort is $400-$799, comprising 28.3% of locals (2,844 people). Housing costs are modest with 89.4% of income retained, but total disposable income ranks at the 16th percentile nationally.

Tocumwal - Finley - Jerilderie is characterized by a predominantly suburban housing profile, with above-average rates of outright home ownership

The dwelling structure in Tocumwal-Finley-Jerilderie, as per the latest Census, consisted of 91.5% houses and 8.6% other dwellings (semi-detached, apartments, 'other' dwellings). This is compared to Non-Metro NSW's 89.8% houses and 10.2% other dwellings. Home ownership in Tocumwal-Finley-Jerilderie was at 50.0%, with the rest either mortgaged (29.4%) or rented (20.6%). The median monthly mortgage repayment in the area was $1,177, below Non-Metro NSW's average of $1,285. The median weekly rent figure was recorded at $200, compared to Non-Metro NSW's $235. Nationally, Tocumwal-Finley-Jerilderie's mortgage repayments were significantly lower than the Australian average of $1,863, while rents were substantially below the national figure of $375.

Tocumwal - Finley - Jerilderie features high concentrations of lone person households, with a lower-than-average median household size

Family households constitute 66.1% of all households, including 21.3% couples with children, 35.7% couples without children, and 8.4% single parent families. Non-family households comprise the remaining 33.9%, with lone person households at 31.7% and group households making up 2.1%. The median household size is 2.2 people, smaller than the Rest of NSW average of 2.3.

Educational outcomes in Tocumwal - Finley - Jerilderie fall within the lower quartile nationally, indicating opportunities for improvement in qualification attainment

The area's university qualification rate (14.5%) falls significantly below the NSW average of 32.2%, presenting both a challenge and an opportunity for targeted educational initiatives. Bachelor degrees are most prevalent at 11.2%, followed by graduate diplomas (2.0%) and postgraduate qualifications (1.3%). Vocational credentials are prominent, with 40.8% of residents aged 15+ holding them - advanced diplomas comprise 9.6% and certificates make up 31.2%. Educational participation is high at 27.4%, including 10.4% in primary education, 8.8% in secondary education, and 2.1% pursuing tertiary education.

Nine schools operate within Tocumwal - Finley - Jerilderie, educating approximately 907 students, with typical Australian school conditions (ICSEA: 982) and balanced educational opportunities. Eight primary and one secondary school serve distinct age groups in the area.

Transport servicing is low compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility

Transport analysis shows 242 active transport stops operating in the Tocumwal - Finley - Jerilderie region. These include a mix of train and bus services. There are 34 individual routes servicing these stops, collectively providing 346 weekly passenger trips.

Transport accessibility is rated as good, with residents typically located 247 meters from the nearest transport stop. Service frequency averages 49 trips per day across all routes, equating to approximately one weekly trip per individual stop.

Health performance in Tocumwal - Finley - Jerilderie is a key challenge with a range of health conditions having marked impacts on both younger and older age cohorts

Critical health challenges are evident across Tocumwal-Finley-Jerilderie. The rate of private health cover is approximately 47%, which is lower than the national average of 55.3%.

This region comprises around 4,694 people. The most common medical conditions are arthritis and asthma, affecting 13.0% and 9.4% of residents respectively. Meanwhile, 58.2% of residents claim to be free from any medical ailments, compared to 60.6% in the Rest of NSW. In terms of age demographics, 33.6% of residents are aged 65 and over (3,379 people), which is higher than the 30.5% reported for the Rest of NSW.

The latest Census data sees Tocumwal - Finley - Jerilderie placing among the least culturally diverse areas in the country when compared across a range of language and cultural background related metrics

Tocumwal-Finley-Jerilderie, surveyed in 2016, had a cultural diversity index of below average with 87.1% citizens, 91.2% born in Australia, and 96.6% speaking English only at home. Christianity was the predominant religion at 61.3%, compared to 58.1% across Rest of NSW. The top three ancestry groups were English (33.0%), Australian (31.8%), and Irish (10.9%).

Notable differences included Scottish at 9.0% (vs regional 9.2%), Australian Aboriginal at 2.4% (vs 2.5%), and Italian at 2.5% (vs 2.3%).

Tocumwal - Finley - Jerilderie ranks among the oldest 10% of areas nationwide

The median age in Tocumwal-Finley-Jerilderie is 52 years, significantly higher than the Rest of NSW average of 43 and well above the national norm of 38. The 65-74 age group is notably over-represented at 18.4% locally compared to the Rest of NSW average, while the 35-44 age group is under-represented at 8.4%. This concentration of the 65-74 cohort is well above the national average of 9.4%. Between 2021 and present, the 75-84 age group has grown from 10.1% to 11.6% of the population, while the 5-14 age group has declined from 11.0% to 10.1%. By 2041, the 75-84 cohort is projected to grow by 22%, adding 262 residents to reach 1,432. Senior residents aged 65 and above will drive 57% of population growth, indicating demographic aging trends. Conversely, both the 65-74 and 5-14 age groups are projected to decrease in number.