Chart Color Schemes
This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.
SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).
Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
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ABS ERP | -- people | --
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Sales Activity
Curious about local property values? Filter the chart to assess the volume and appreciation (including resales) trends and regional comparisons, or scroll to the map below view this information at an individual property level.
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Population
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
As of May 2026, Tocumwal - Finley - Jerilderie's population is approximately 10,028, a 2.6% increase from the 9,778 reported in the 2021 Census. This growth can be inferred from the estimated resident population of 10,011 in June 2025 and an additional 211 validated new addresses since the Census date. The population density is around 2.0 persons per square kilometer. Since the 2021 Census, the area's growth rate of 2.6% is within 2.2 percentage points of the SA3 area's rate of 4.8%. Overseas migration contributed approximately 67.3% of overall population gains during recent periods. AreaSearch uses ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022, and NSW State Government's SA2 level projections for areas not covered by this data, released in 2022 with a base year of 2021.
Growth rates by age group from these aggregations are applied to all areas for years 2032 to 2041. Based on the latest annual ERP population numbers, Tocumwal - Finley - Jerilderie is expected to increase by approximately 708 persons to 2041, reflecting a total increase of 6.9% over the 16-year period.
Frequently Asked Questions - Population
Development
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 ending June 2021, totalling 223 homes. As of July 2026, 40 approvals have been recorded. The area's population has fallen during this period, suggesting that new supply has likely kept pace with demand, offering buyers good choice while new properties are constructed at an average expected construction cost value of $371,000. This financial year, around $13.5 million in commercial approvals have been registered, indicating balanced commercial development activity compared to the Rest of NSW.
Tocumwal-Finley-Jerilderie has about three-quarters the rate of new dwelling approvals per person and ranks among the 58th percentile nationally. New development consists mainly of standalone homes (94.0%) with a smaller proportion of medium and high-density housing (6.0%), preserving the area's low density nature and attracting space-seeking buyers. The location has approximately 268 people per dwelling approval, indicating a low density market.
According to AreaSearch quarterly estimates, Tocumwal-Finley-Jerilderie is projected to gain 691 residents by 2041. At current development rates, new housing supply should comfortably meet demand, providing good conditions for buyers and potentially supporting population growth beyond current projections.
Frequently Asked Questions - Development
Development applications around Tocumwal - Finley - Jerilderie
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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
Infrastructure
Tocumwal - Finley - Jerilderie has moderate levels of nearby infrastructure activity, ranking in the 49thth percentile nationally
AreaSearch has identified 17 projects that could impact the area's performance. Key projects include Barooga Cobram Road Reconstruction, Thompsons Beach and Kennedy Park Precinct Plan, NCN Health Cobram Campus Redevelopment, VICSES Cobram Unit. The following list details those likely to be most relevant.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
Denotes AI-based impression for illustrative purposes only, not to be taken as definitive under any circumstances. Please follow links and conduct other investigations from the project's source for actual imagery. Developers and project owners wishing us to use original imagery please Contact Us and we will do so.
Frequently Asked Questions - Infrastructure
NCN Health Cobram Campus Redevelopment
A comprehensive multi-stage upgrade of the NCN Health Cobram Campus. Stage 1 delivered a new Urgent Care Centre with expanded floor space, a dedicated entry, a new ambulance bay, and dual waiting areas. Subsequent stages, completed by late 2024, involved refurbishing the acute ward, constructing a new ultrasound room, remodeling patient rooms with ensuites, and installing new firewalls and reception areas to enhance infection control and safety.
Yarrawonga Hospital New Theatre Suite
A $10.9 million state-of-the-art operating theatre suite at Yarrawonga Hospital, delivered via the Regional Health Infrastructure Fund. The facility includes a modern operating theatre, two pre-operative treatment spaces, six recovery bays, and dedicated areas for sterilising equipment. It also features a new main entrance and reception area, enhancing surgical capacity for general surgery, orthopaedics, endoscopy, and urology for the regional community.
Cobram Village
A neighbourhood retail centre featuring a 3,800 sqm Coles supermarket, Liquorland, Chemist Warehouse, and specialty retailers, providing convenient shopping in an underserved area within a ~70km radius.
Future Tocumwal - Town Centre Transformation
A long term town centre renewal program led by Berrigan Shire Council to reimagine Tocumwal's central activity area over the next 20 years, including improved parking, streetscape and public space upgrades, new commercial opportunities such as shops facing Murray Street, and better pedestrian connections between Deniliquin Street, Murray Street and the river foreshore.
Conargo Wind Farm
The Conargo Wind Farm is a proposed renewable energy project featuring approximately 28 wind turbines and a co-located battery energy storage system, with an expected total capacity of 168 MW. The project is sited on Wamba Wamba Perrepa Perrepa Country around 45km north east of Deniliquin and 10km north east of Conargo, within the NSW South West Renewable Energy Zone. Originally scoped at 300 MW with 53 turbines, the project has been refined through 2025 and 2026 in response to the South West REZ access rights tender, technical studies and community feedback. Once operating it is expected to generate enough clean electricity to power around 91,000 homes and avoid roughly 74,000 tonnes of carbon emissions each year. As of April 2026, Squadron Energy is preparing the Environmental Impact Statement, with the project layout still being refined through ongoing flood and hydrology modelling and biodiversity surveys. Power generated is intended to feed into the grid via direct connection to either the existing Transgrid 132kV Deniliquin-Coleambally transmission line or the proposed VNI West interconnector.
Thompsons Beach and Kennedy Park Precinct Plan
The Thompsons Beach and Kennedy Park Precinct Plan aims to develop a precinct master plan and concept plan to guide future infrastructure developments at the site. It includes reviewing existing partnerships, co-designing a shared governance model, untangling red-tape to remove barriers for tourism and events, enhancing community quality of life through cultural and recreational improvements, boosting productivity via tourism growth and operational efficiencies, and building resilience against ageing infrastructure, extreme weather, and other challenges. The plan will unlock investments in this iconic inland beach destination, drive economic growth, enhance tourism, and strengthen cross-border community connections between NSW and Victoria.
VICSES Cobram Unit
A new fit-for-purpose facility for the VICSES Cobram Unit, featuring four motor bays, office space, communications room, and training areas. It enables effective responses to rescues, floods, storms, and supports local emergency services while aiding volunteer retention and recruitment.
Currawarra Solar Farm
A 195 MW solar farm project with development approval, aimed at generating renewable energy in the Edward River Council area to support a more reliable and resilient power network. The project includes associated infrastructure and potentially energy storage.
Employment
The employment landscape in Tocumwal - Finley - Jerilderie presents a mixed picture: unemployment remains low at 3.6%, yet recent job losses have affected its comparative national standing
Tocumwal-Finley-Jerilderie had a balanced workforce with white and blue collar jobs in December 2025. There were 4959 residents employed, with an unemployment rate of 3.6%. This was 0.4% lower than Regional NSW's rate of 3.9%.
Workforce participation matched Regional NSW's 60.5%. Only 13.3% worked from home, considering Covid-19 lockdown impacts. Major industries were agriculture, forestry & fishing (4 times regional level), health care & social assistance (13%), and retail trade. Employment opportunities seemed limited locally based on Census data comparison of working population vs resident population.
In the 12 months prior, labour force decreased by 2%, employment by 2.6%, increasing unemployment by 0.6%. Regional NSW had a 1.2% employment decline, 0.8% labour force decrease, and 0.4% unemployment rise. Jobs and Skills Australia's May-25 forecasts suggest national employment growth of 6.6% in five years and 13.7% in ten years. Applying these projections to Tocumwal-Finley-Jerilderie's mix indicates local employment should increase by 5.3% in five years and 11.8% in ten years, though this is a simple extrapolation for illustrative purposes only.
Frequently Asked Questions - Employment
Income
Income metrics place the area in the bottom 10% of locations nationally according to AreaSearch analysis
The median taxpayer income in the Tocumwal - Finley - Jerilderie SA2 region was $44,123 according to postcode level ATO data aggregated by AreaSearch for financial year 2023. The average income was $52,857 during this period. This is below the national median of $52,390 and average of $65,215 reported for Regional NSW. By March 2026, estimates based on a 10.32% Wage Price Index growth project the median income to be approximately $48,676 and the average to be around $58,312. The 2021 Census data indicates that incomes in Tocumwal - Finley - Jerilderie fall between the 9th and 15th percentiles nationally for households, families, and individuals. The predominant income cohort in this region is 28.3% of locals (2,837 people) with incomes ranging from $400 to $799 per week, differing from Regional NSW where the $1,500 to $2,999 category predominates at 29.9%. Despite modest housing costs allowing for 89.4% of income retention, the total disposable income in this region ranks at just the 15th percentile nationally.
Frequently Asked Questions - Income
Housing
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, consists of 91.5% houses and 8.6% other dwellings (semi-detached, apartments, 'other' dwellings). This compares to Regional NSW's 82.6% houses and 17.4% other dwellings. Home ownership in Tocumwal-Finley-Jerilderie stands at 50.0%, with the rest being mortgaged (29.4%) or rented (20.6%). The median monthly mortgage repayment is $1,177, below Regional NSW's average of $1,733. The median weekly rent is $200, compared to Regional NSW's $330 and the national average of $375. Nationally, Tocumwal-Finley-Jerilderie's mortgage repayments are lower than the Australian average of $1,863.
Frequently Asked Questions - Housing
Household Composition
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% of the total. The median household size is 2.2 people, which is smaller than the Regional NSW average of 2.4.
Frequently Asked Questions - Households
Local Schools & Education
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 is 14.5%, significantly lower than the NSW average of 32.2%. This disparity presents both a challenge and an opportunity for targeted educational initiatives. Bachelor degrees are most common at 11.2%, followed by graduate diplomas (2.0%) and postgraduate qualifications (1.3%). Vocational credentials are prevalent, with 40.8% of residents aged 15+ holding them, including advanced diplomas (9.6%) and certificates (31.2%).
Educational participation is high at 27.4%, with 10.4% in primary education, 8.8% in secondary education, and 2.1% pursuing tertiary education.
Frequently Asked Questions - Education
Schools Detail
Nearby Services & Amenities
Transport
Transport servicing is low compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility
The analysis of public transport in Tocumwal - Finley - Jerilderie reveals that there are 264 active transport stops operating within the area. These stops offer a mix of train and bus services, with 32 individual routes collectively providing 333 weekly passenger trips. The transport accessibility is rated as good, with residents typically located 229 meters from the nearest transport stop. As a primarily residential area, most residents commute outward. The dominant mode of transportation remains the car at 91%, while 7% walk. Vehicle ownership averages 1.5 per dwelling.
According to the 2021 Census, which may reflect COVID-19 conditions, only 13.3% of residents work from home. Service frequency averages 47 trips per day across all routes, equating to approximately one weekly trip per individual stop. The accompanying map shows the 100 nearest stops to the location centrepoint.
Frequently Asked Questions - Transport
Transport Stops Detail
Health
Health performance in Tocumwal - Finley - Jerilderie is well below average with prevalence of common health conditions notable across both younger and older age cohorts
Tocumwal - Finley - Jerilderie faces significant health challenges according to AreaSearch's assessment. Mortality rates and chronic condition prevalence are substantial across both younger and older age groups. Private health cover is extremely low at approximately 46% of the total population (around 4,642 people), compared to 51.9% in Regional NSW and the national average of 55.7%.
The most prevalent medical conditions are arthritis (affecting 13.0% of residents) and asthma (9.4%). However, 58.2% of residents claim to be completely free from medical ailments, compared to 63.3% in Regional NSW. Working-age population health challenges include elevated chronic condition rates. The area has a higher proportion of residents aged 65 and over at 34.1% (around 3,415 people), compared to 23.4% in Regional NSW. National rankings for this age group are even higher than the general population.
Frequently Asked Questions - Health
Cultural Diversity
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 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 as of 2016 Census data. Christianity was the predominant religion, comprising 61.3%, compared to 55.9% across Regional NSW. The top three ancestry groups were English (33.0%), Australian (31.8%), and Irish (10.9%).
Notably, Scottish ancestry was higher at 9.0% than the regional average of 8.0%. Australian Aboriginal ancestry was lower at 2.4%, compared to 4.6% regionally, while Italian ancestry was slightly higher at 2.5% versus 2.1%.
Frequently Asked Questions - Diversity
Age
Tocumwal - Finley - Jerilderie ranks among the oldest 10% of areas nationwide
The median age in Tocumwal-Finley-Jerilderie is 52 years, significantly higher than Regional NSW's average of 43 years and the national norm of 38 years. The 65-74 age cohort is notably over-represented at 17.8%, compared to Regional NSW's average, while the 35-44 age group is under-represented at 8.5%. This 65-74 concentration is well above the national figure of 9.4%. Between 2021 and present, the 75-84 age group has grown from 10.1% to 12.6% of the population, while the 5-14 cohort has declined from 11.0% to 10.1%. By 2041, forecasts indicate substantial demographic changes. The 75-84 age group is projected to grow by 21%, adding 258 residents to reach 1,519. Residents aged 65 and above will drive 51% of population growth, reflecting demographic aging trends. Conversely, both the 65-74 and 5-14 age groups are projected to decrease in numbers.