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 10,040 as of Aug 2025. This reflects an increase of 262 people since the 2021 Census, which reported a population of 9,778 people. The change is inferred from the estimated resident population of 9,858 in June 2024 and an additional 172 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 growth rate of 2.7% since census positions it within 2.1 percentage points of the non-metro area (4.8%), demonstrating competitive growth fundamentals. Overseas migration contributed 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 areas not covered by this data, AreaSearch utilises NSW State Government's SA2 level projections, released in 2022 with 2021 as the base year. Growth rates by age group from these aggregations are 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 5.2% 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, from FY12 to FY16. This totals 223 homes. In the current financial year, FY17, 15 approvals have been recorded as of June 2017. The average construction cost value for these new properties is $485,000.

Additionally, $13.5 million in commercial approvals have been registered this financial year. Compared to the rest of NSW, Tocumwal-Finley-Jerilderie has around three-quarters the rate of new dwelling approvals per person and ranks among the 58th percentile nationally. New development consists of 94% standalone homes and 6% medium and high-density housing.

The area has approximately 268 people per dwelling approval, indicating a low density market. Population forecasts suggest Tocumwal-Finley-Jerilderie will gain 519 residents by 2041. At current development rates, new housing supply should comfortably meet demand, providing good conditions for buyers and potentially supporting growth beyond current population projections.

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

AreaSearch has identified 17 projects that could impact the area, with key ones including 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 workforce with white and blue collar jobs. The unemployment rate was 3.3% in June 2025, lower than the Rest of NSW's rate of 3.7%.

Employment grew by 4.3% over the past year. Key industries include agriculture, forestry & fishing, health care & social assistance, and retail trade. Agriculture, forestry & fishing employs 40% of residents, significantly higher than the regional level. Health care & social assistance employs 13%, lower than Rest of NSW's 16.9%.

Employment opportunities may be limited locally; Census data shows fewer working residents than expected. Over one year, employment increased by 4.3% while labour force grew by 4.5%, raising unemployment slightly to 0.2%. National employment forecasts from May 2025 suggest Tocumwal-Finley-Jerilderie's employment could grow by approximately 5.3% over five years and 11.8% over ten years, based on industry-specific projections.

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

Tocumwal-Finley-Jerilderie had a median taxpayer income of $43,267 and an average of $52,903 in the financial year 2022. This is lower than Rest of NSW's median income of $49,459 and average income of $62,998. By September 2025, estimated median income would be approximately $48,723 and average income $59,574, based on a 12.61% growth in wages since the financial year 2022. According to the 2021 Census, incomes in Tocumwal-Finley-Jerilderie fall between the 10th and 16th percentiles nationally. The most common income bracket is $400-$799, with 28.3% of locals (2,841 people) falling into this category. Housing costs are relatively low, 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 compares to Non-Metro NSW's 89.8% houses and 10.2% other dwellings. Home ownership in Tocumwal - Finley - Jerilderie stood at 50.0%, with the remaining dwellings 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 account for 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 constitute 33.9%, with lone person households at 31.7% and group households comprising 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 has university qualification rates of 14.5%, significantly lower than the NSW average of 32.2%. This 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%). Trade and technical skills are prominent, with 40.8% of residents aged 15+ holding vocational credentials - advanced diplomas (9.6%) and certificates (31.2%).

Educational participation is high at 27.4%, including primary education (10.4%), secondary education (8.8%), and tertiary education (2.1%). There are nine schools operating within Tocumwal-Finley-Jerilderie, educating approximately 907 students, with typical Australian school conditions (ICSEA: 982) providing balanced educational opportunities. Education provision is balanced with eight primary schools and one secondary school serving distinct age groups.

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

Transport analysis indicates 242 active transport stops within Tocumwal - Finley - Jerilderie region. These include a mix of train and bus services. A total of 34 routes service these stops, offering 346 weekly passenger trips collectively.

Residential accessibility to transport is rated as good, with residents typically located 247 meters from the nearest stop. Service frequency averages 49 trips per day across all routes, translating 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 as of July 2019. The rate of private health cover was found to be low at approximately 47%, covering around 4,688 people.

Nationally, this average stands at 55.3%. Arthritis and asthma were the most common medical conditions, affecting 13.0% and 9.4% of residents respectively, as per data from June 2018 to May 2019. Conversely, 58.2% of residents declared themselves completely clear of medical ailments compared to the Rest of NSW's 60.6%. As of June 2019, 33.6% of residents were aged 65 and over, totaling around 3,375 people, which is higher than the Rest of NSW's 30.5%.

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's cultural diversity is below average, with 87.1% citizens, 91.2% born in Australia, and 96.6% speaking English only at home. Christianity is the main religion, at 61.3%, compared to 58.1% regionally. The top three ancestry groups are English (33.0%), Australian (31.8%), and Irish (10.9%).

Notably, Scottish representation is higher than regional averages (9.0% vs 9.2%), as are Australian Aboriginal (2.4% vs 2.5%) and Italian (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, which is significantly higher than the Rest of NSW average of 43 years and also above the national norm of 38 years. The 65-74 year-old cohort is notably over-represented at 18.4% locally compared to the Rest of NSW average, while the 35-44 year-old group is under-represented at 8.4%. This concentration of the 65-74 age group is well above the national average of 9.4%. Between 2021 and present, the 75 to 84 age group has grown from 10.1% to 11.6% of the population, while the 5 to 14 year-old cohort has declined from 11.0% to 10.1%. By 2041, population forecasts indicate substantial demographic changes for Tocumwal-Finley-Jerilderie. The 75 to 84 age group is projected to grow by 23%, adding 264 residents to reach 1,432. Senior residents aged 65 and above will drive 57% of population growth, underscoring demographic aging trends. Conversely, both the 65-74 year-old and 5 to 14 year-old age groups are projected to see reduced numbers.