Cowes

Suburb (SAL)

Rest of Vic. / Gippsland - South West

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Aug 2026 · Refreshed ABS QuickStats SAL20657 How we calculate this
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Suburb (SAL) Boundary Analysis

This analysis uses Suburbs and Localities (SAL) boundaries, which can materially differ from Statistical Areas (SA2) even when sharing the same name.

SAL boundaries are defined by Australia Post and the Australian Bureau of Statistics to represent commonly-known suburb names used in postal addresses.

Statistical Areas (SA2) are designed for census data collection and may combine multiple suburbs or use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.

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Sales ActivityProperty Sales Trends in Cowes

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DemographicsPopulation Growth in Cowes

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Cowes has an estimated 7,858 residents, up from 6,593 at the 2021 Census — a change of 1,265 people, or 19.2%. Growth has averaged 4.6% a year over five years, faster than 90% of areas nationally. 642 new addresses have been validated here since Census night. Interstate and internal migration accounts for 80.0% of that increase. That puts 377 residents on each square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.

Detail

According to investigations of ABS demographic statistics for the surrounding region, combined with address records verified by AreaSearch following the Census, the population of the suburb of Cowes is calculated at roughly 7,858 in May 2026. This indicates a growth of 1,265 individuals (19.2%) relative to the 2021 Census, which documented a total of 6,593 residents. The shift is calculated from a resident headcount of 7,786, projected by AreaSearch using the most recent ABS ERP statistics (June 2025) along with 642 verified new addresses added since the Census. This population size represents a density of 376 residents per square kilometer, which offers considerable space per inhabitant and options for future expansion.

The 19.2% rate of expansion in the suburb of Cowes since the 2021 Census outpaced the Rest of Vic. (4.3%) and the surrounding SA4 region, establishing it as a primary driver of growth in the area. Growth in the local population was heavily supported by interstate migration, which accounted for approximately 80.0% of the overall population rise in recent times. AreaSearch incorporates demographic projections from the ABS and Geoscience Australia for individual SA2 zones, which were published in 2024 using 2022 as the baseline. For any SA2 regions lacking this coverage, AreaSearch applies the Regional/LGA projections from the VIC State Government published in 2023, adjusting them using a weighted system to aggregate population expansion from the LGA level to the SA2 level. Growth dynamics for specific age cohorts derived from these aggregations are also utilized for all locations from 2032 to 2041. Regarding upcoming demographic shifts, remarkable population gains placing the locality in the top 10 percent of Australia's regional zones are projected, with the area expected to increase by 3,870 individuals by 2041 according to aggregated SA2-level figures, indicating a total growth of 48.3% over the 16 years.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Cowes?
Total population for the suburb of Cowes was estimated to be approximately 7,858 as at May 26. This is based upon an estimated resident population of 7,786 from the ABS up to June 2025.
How has the population in the suburb of Cowes changed since 2021?
The suburb of cowes has added approximately 1,265 people and shown a 19.19% increase from the 6,593 people recorded at the 2021 Census period.
What is the population density in the suburb of Cowes?
The population density in the suburb of Cowes is estimated at 376 persons per square kilometer based on the latest population estimate.
How much has the population grown over the past 10 years in the suburb of Cowes?
Over the past 10 years, the population in the suburb of Cowes has shown a compound annual growth rate of 5.0% per annum.
What are the main drivers of population growth in the suburb of Cowes?
Population growth in the suburb of Cowes is driven by: Interstate migration (80.0%), Overseas migration (20.0%), Natural increase (0.0%). The primary driver is Interstate migration, contributing 80.0% of overall population gains.

Residential SupplyHousing Development & Building Approvals in Cowes

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798 new dwellings have been approved in Cowes over the past five years, an average of 159 a year. That places the area in the 93rd percentile for residential development activity nationally, about 20 approvals per 1,000 residents a year. Of the 154 dwellings approved in the latest reporting year, 49% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 65, well below that longer-run average. Figures come from ABS building approvals aggregated to this Suburb (SAL) boundary and are updated monthly as the ABS releases them.

Detail

According to an assessment by AreaSearch of ABS building permit statistics allocated from regional databases, the suburb of Cowes has averaged approximately 159 residential approvals annually, totaling an estimated 798 dwellings approved over the last 5 financial years (from FY-21 to FY-25) and 60 during the current FY-26. Based on an average of 1.9 new occupants per year for each home built over the last 5 financial years (from FY-21 to FY-25), the property market is well equilibrated between supply and demand, facilitating steady conditions, with new dwellings recording an average construction cost of $588,000, showing a focus by builders on upscale, premium residences.

Furthermore, commercial approvals valued at $9.5 million have been logged in the current financial year, demonstrating ongoing commercial investment activity. In comparison to the Rest of Vic., the suburb of Cowes exhibits 105.0% higher development activity per person, which should grant purchasers plenty of choices. This rate is far higher than the national average, indicating substantial confidence among builders in this location. The new building activity consists of 49.0% detached houses and 51.0% attached residences. This movement toward higher-density projects offers affordable options for buyers and draws interest from investors, downsizers, and first-time buyers. This represents a major shift from the existing housing profile (currently consisting of 84.0% houses), driven by a decline in vacant land and reflecting changing lifestyle preferences and budget constraints. Having approximately 37 residents for each approved dwelling, the suburb of Cowes displays the typical features of a growing region. Demographic forecasts suggest that the suburb of Cowes will add 3,798 inhabitants up to 2041 (starting from the most recent quarterly calculation by AreaSearch). Under current building trends, the supply of new housing is projected to easily satisfy demand, creating favorable circumstances for buyers and potentially supporting population growth that outpaces current forecasts.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Cowes recently?
Dwelling approval activity in the the suburb of Cowes area has seen 411 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Cowes's current population of 7,858 has been supported by 159 approvals on average over recent years.
How does the suburb of Cowes's development activity compare to the broader region?
The suburb of Cowes has seen 2.33 approvals per 100 people in recent years, compared to 0.82 approvals in the broader region. This means that one dwelling has been approved for every 37 people in the suburb of Cowes, compared to one for every 156 in the broader region.
Is the suburb of Cowes keeping up with housing demand?
With the population expected to increase by 3,798 people by 2041, around 1,899 new dwellings will be necessary. Recent approval levels appear more than sufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This suggests that population growth may exceed trend projections in the coming years, supported by a robust housing supply.
What has been the trend in development approvals over the past five years in the suburb of Cowes?
Looking at development activity over the past five years, the suburb of Cowes's approval levels have been consistent with the yearly average of 159, showing stable development patterns.
How many dwellings will be needed to accommodate future population growth in the suburb of Cowes?
The population in the suburb of Cowes is expected to grow by 3,798 people by 2041, necessitating approximately 1,899 new dwellings. This calculation is based on the current census average of 2.0 persons per dwelling in the area.
How does recent development compare to population growth in the suburb of Cowes?
Over the past five years, the population in the suburb of Cowes has grown by approximately 4,189 people, while 798 residential approvals were recorded. This equates to a ratio of 5.2 people added for each new dwelling approval. This high ratio suggests strong population growth relative to housing supply, potentially indicating unmet housing demand.
Are there opportunities for residential developers in the suburb of Cowes?
With dwelling approval activity running at an average of 159 approvals per year and a population of 7,858, the market appears to be adequately supplied relative to projected housing demand in recent years, suggesting that developers should have a longer-term approach when considering new projects. With the population expected to increase by 3,798 people by 2041, around 1,899 new dwellings will be necessary. Recent approval levels appear more than sufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This suggests that population growth may exceed trend projections in the coming years, supported by a robust housing supply.
Approvals Pipeline Development applications near Cowes

Development applications around Cowes

Development approvals is a new addition to AreaSearch. We’re actively expanding council coverage and refining the dataset — details and statuses for some councils may be partial. Check back regularly for the latest pipeline.
Application search is not available in Victoria. AreaSearch holds 1 application for Cowes, but they are a record of past activity rather than a current register. Victoria has no state-wide planning portal and its council coverage is uneven, so we have switched the search off here rather than return partial answers. We are currently investigating a solution. No credits are charged for Victorian applications, and building approvals from the ABS and the major projects we track are unaffected.

SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.

Project PipelineInfrastructure & Major Projects in Cowes

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AreaSearch tracks 10 current infrastructure and development projects inside Cowes, worth an estimated $335 million. A further 45 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $6.47 billion. 12 are already under construction and 12 are due for completion within three years. The pipeline spans residential development, ports, marinas, fisheries & aquaculture and communities, precincts & urban renewal. Records are compiled from Infrastructure Australia, state agencies, council planning portals and public announcements, reviewed and updated daily, then ranked by proximity, construction stage, completion horizon and project scale.

Detail

Few factors shape a region's performance as much as adjustments to local infrastructure, key construction projects, and zoning plans. In total, AreaSearch has tracked 10 developments that are expected to influence the locality. Notable developments include Samuel Property Warley Avenue Apartments, Isle of Wight Hotel Redevelopment, Lifestyle Communities Phillip Island, and the Phillip Island Recreation Reserve Master Plan, with the subsequent list detailing the most significant ones.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the suburb of Cowes?
Key infrastructure and planning changes likely to influence the suburb of Cowes include: Samuel Property Warley Avenue Apartments (Approved); Isle of Wight Hotel Redevelopment (Construction); Lifestyle Communities Phillip Island (Construction); Phillip Island Recreation Reserve Master Plan (Approved); and Community Housing Limited Social Housing (Construction). These projects represent significant developments that will shape the area's future infrastructure landscape.
What types of infrastructure projects are impacting the suburb of Cowes?
Infrastructure development impacting the suburb of Cowes spans multiple sectors including Residential Development, Education & Training, and Tourism, among others.
What is the scale of infrastructure investment impacting the suburb of Cowes?
Infrastructure investment analysis indicates significant investment of approximately $335 million in infrastructure projects affecting the region, with a notable concentration of investment within the immediate the suburb of Cowes vicinity.
How does the suburb of Cowes's infrastructure development compare to other areas?
With an infrastructure score in the top 40%, the suburb of Cowes demonstrates above-average development activity compared to national benchmarks.
Isle of Wight Hotel Redevelopment
Category: Tourism
Stage: Construction | Est. Comp: 2027
Source / Links: Link 1   Link 2  

Redevelopment of 140-year-old pub into 7-story mixed-use hotel with 163 keys, pool deck, rooftop sports courts, and key-worker hostel. Includes pub, bistro, dining options, and shops.

Tourism

Lifestyle Communities Phillip Island
Category: Residential Development
Stage: Construction | Est. Comp: 2026
Source / Links: Link 1   

A retirement community development at 498 Settlement Road, Cowes, located 350m from the beach. Features modern, low-maintenance homes for over 50s downsizers with multi-million-dollar amenities. Sales suite operates at 59 Justice Road, Cowes. Multiple home designs available on extra large lots.

Residential Development

Phillip Island Recreation Reserve Master Plan
Category: Sports & Recreation
Stage: Planning | Est. Comp: 2035
Source / Links: Link 1   Link 2  

A long-term strategic master plan for 32 hectares of public open space, now progressing as the Phillip Island Sporting Precinct. The plan includes the development of two football and cricket ovals, four netball courts, a fenced off-leash dog park, and walking tracks. It also incorporates a future aquatic centre, though delivery of the aquatic component has been staged as a secondary phase following the redevelopment of the Wonthaggi facility.

Sports & Recreation

Samuel Property Warley Avenue Apartments
Category: Residential Development
Stage: Approved | Est. Comp: 2028
Source / Links: Link 1   

Permit approved luxury residential development comprising 91 apartments across two five-storey buildings with 117 car spaces on a 4,053sqm beachfront site. The project remains approved, however the site was placed on the market during 2025 for sale to another developer with the benefit of the existing permit. No construction has commenced.

Residential Development

Phillip Island Community Hospital
Category: Health & Medical
Stage: Completed | Est. Comp: 2025
Source / Links: Link 1   Link 2  

A multi-million dollar double-storey community hospital at 50-58 Church Street, Cowes. Features include expanded Urgent Care Centre, day surgery across two operating theatres, low complexity dialysis, chemotherapy, dental services, radiology precinct with CT scans, ultrasound and general x-ray, and non-retail pharmacy. Construction by SJ Higgins started August 2023.

Health & Medical

Community Housing Limited Social Housing
Category: Residential Development
Stage: Construction | Est. Comp: 0
Source / Links: Link 1   

Construction of five single storey dwellings within unused road reserve between Roydon Road and Wyndham Avenue, Cowes. Part of Victoria's Big Housing Build program providing affordable housing for low to moderate income people. Planning permit assessment through Department of Transport and Planning.

Residential Development

Cowes to Ventnor Shared Path
Category: Transport & Logistics
Stage: Construction | Est. Comp: 0
Source / Links: Link 1   

A $980,000 shared path project connecting the townships of Cowes and Ventnor. Funded by federal government through active transport infrastructure program. The path will enhance cycling and walking connectivity for residents and visitors between the two Bass Coast communities.

Transport & Logistics

Berninneit Cultural and Community Centre
Category: Arts & Culture
Stage: Completed | Est. Comp: 2023
Source / Links: Link 1   Link 2  

A $19 million cultural centre designed by Jackson Clements Burrows Architects. Features include a theatre, library, gallery, museum, community function rooms and offices. Built to Passivhaus Standards with mass timber construction. The centre is named Berninneit, meaning 'Gather Together' in the local Bunurong language. Opened in November 2023.

Arts & Culture

Jobs & IndustryEmployment Trends in Cowes

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3,225 residents of Cowes are employed, from a labour force of 3,336. Unemployment sits at 3.3%, with participation at 49.1%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.4% nationally over five years. That reflects industry composition only and makes no allowance for local population growth, so in an area growing as fast as this one it understates the likely rise in local jobs. The working-day population is estimated at 6,793, about 86% of the resident population, so more people leave the area for work than travel in. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.

Detail

The suburb of Cowes possesses a talented labour force, with tourism and hospitality representing significant sectors, a jobless rate of just 3.3%, and a 7.0% estimated rise in employment over the preceding year, according to AreaSearch aggregations of regional statistics. In March 2026, there are 3,225 employed locals, with the jobless rate tracking 0.4% lower than the Regional Vic. average of 3.7%, while the rate of workforce participation is considerably lower (49.1% compared to 61.1% in Regional Vic.). Census data indicates that a moderate 21.3% of workers performed their roles from home, although this may have been influenced by COVID-19 restriction periods.

The primary employment fields for working locals are health care & social assistance, accommodation & food, and retail trade. The locality shows a particularly high concentration of workers in accommodation & food, with employment shares reaching 2.0 times the regional average. Conversely, agriculture, forestry & fishing is less common, employing only 2.0% of the workforce in the suburb of Cowes compared to 7.5% across Regional Vic.. The suburb appears to have a shortage of local jobs, as shown by comparing the count of working residents against the local working population in the Census. According to AreaSearch evaluations of SALM and ABS statistics aggregated from regional boundaries, over the 12 months ending March 2026, the number of employed people rose by 7.0% and the labour force expanded by 5.9%, leading to a 1.0 percentage point reduction in unemployment. In contrast, Regional Vic. experienced a 0.1% drop in employment, a 0.3% reduction in the labour force, and a 0.2 percentage point decline in unemployment. National employment projections from Jobs and Skills Australia issued in May-25 offer additional perspectives on prospective local demand in the suburb of Cowes. These forecasts, spanning five and ten-year horizons, have been aligned with the local workforce makeup to estimate occupational trends. While employment nationwide is projected to grow by 6.6% over five years and 13.7% over ten years, the expected growth rates vary widely across different industries. Applying these sector-specific forecasts to the employment profile of the suburb of Cowes indicates that local jobs are projected to rise by 6.4% over five years and 13.2% over ten years (note that this is a basic weighted extrapolation for demonstration purposes and does not incorporate local population forecasts).

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Cowes?
As of March 2026, the suburb of Cowes has approximately 3,225 employed residents with an unemployment rate of 3.3%. This healthy unemployment rate suggests a well-functioning labour market. Employment performance is above the national median, showing positive labour market dynamics.
How does the suburb of Cowes's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Cowes stands at 3.3%, which is broadly in line with Regional Vic.'s rate of 3.7%. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Cowes?
The employment landscape in the suburb of Cowes is dominated by several key sectors. The largest employers are health care & social assistance (14.1% of employment), accommodation & food (13.5%), and retail trade (12.0%). Other significant employers include construction and education & training.
How has employment changed recently in the suburb of Cowes?
Over the past year to March 2026, the suburb of Cowes has experienced employment growth, with total employment increasing while the labour force increased. As a result, the unemployment rate has fall. By comparison, Regional Vic. saw employment decreased and its unemployment rate dropped.
What is the workforce participation rate in the suburb of Cowes?
The workforce participation rate in the suburb of Cowes is 49.1%, which represents the proportion of working-age residents who are either employed or actively seeking work. The relatively low participation rate may indicate limited job opportunities or demographic factors affecting workforce engagement. The local rate trailing the Regional Vic. average of 61.1%, suggesting potential for increased workforce participation.
Which industries are over-represented in the suburb of Cowes's employment market?
The suburb of cowes shows notable specialization in accommodation & food, which employs 13.5% of the local workforce compared to 6.9% regionally. This concentration suggests the area has developed competitive advantages in this sector. The area also shows above-average employment in 2 other sectors, contributing to a distinctive economic profile.
What are the employment growth prospects for the suburb of Cowes?
Based on Jobs and Skills Australia projections applied to the suburb of Cowes's industry mix, employment is expected to grow by 6.4% over the next five years and 13.2% over ten years. This compares to national growth expectations of 6.6% over five years. Steady growth is anticipated across multiple sectors, providing diverse employment opportunities.
How does the job market in the suburb of Cowes compare nationally?
The suburb of cowes's employment market shows above-average performance nationally, placing in the top half of areas assessed. Employment indicators suggest healthy labour market conditions relative to other regions. Recent job advertisement trends show the broader employment region saw a 1.9% decline, ranking 22.0nd out of 37 regions nationally.
What employment opportunities exist for skilled workers in the suburb of Cowes?
Skilled workers will find good opportunities in the suburb of Cowes, with skilled sectors accounting for 29.6% of employment. Key sectors for skilled workers include health care & social assistance (14.1%), education & training (6.9%), and professional & technical (5.4%). With projected employment growth of 6.4% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Cowes

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Median household income in Cowes is $1,026 a week (about $53,000 a year), with median personal income at $586 a week. ATO records put median taxable income at $37,177 a year against an average of $52,087. The average runs 40% above the median, a wider spread than most areas and a sign of a concentrated group of high earners. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.

Detail

Based on AreaSearch's compilation of the latest postcode-level ATO statistics published for financial year 2023, taxpayers in the suburb of Cowes recorded a median income of $37,177 and an average income of $52,087. These figures are below the national averages and compare to $50,954 (median) and $62,728 (average) across Regional Vic.. Accounting for Wage Price Index growth of 9.62% since financial year 2023, estimates for March 2026 are approximately $40,753 for median earnings and $57,098 for average earnings. Census data from 2021 shows that household, family, and individual incomes in the suburb of Cowes all rank between the 4th and 10th percentiles across the nation.

The statistics indicate the largest group of residents comprises 29.9% of the local population (2,349 people) who fall into the $400 - 799 weekly income tier, whereas the surrounding region is led by the $1,500 - 2,999 tier at 30.3%. Financial pressure from housing is high, leaving only 83.0% of income after housing costs, which ranks at the 5th percentile.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Cowes?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cowes is approximately $40,753. The official ATO data from FY-23 recorded a median of $37,177.
What is the average taxable income in the suburb of Cowes?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cowes is approximately $57,098. The official ATO data from FY-23 recorded an average of $52,087.
How does the median taxable income in the suburb of Cowes compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cowes is approximately $40,753 compared to $55,856 in Regional Vic.. The official ATO data from FY-23 shows $37,177 and $50,954 respectively.
How does the average taxable income in the suburb of Cowes compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cowes is approximately $57,098 compared to $68,762 in Regional Vic.. The official ATO data from FY-23 shows $52,087 and $62,728 respectively.
What are the main income cohorts in the suburb of Cowes according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~29.9% / 2,349 persons) of the suburb of Cowes's population is the $400 - 799 cohort.
How do the main income cohorts in the suburb of Cowes compare to the region?
The largest income cohort in the suburb of Cowes is the $400 - 799 group, representing about 29.9% of the population. In comparison, Regional Vic.'s largest income cohort is the $1,500 - 2,999 group, representing 30.3% of its population, according to the 2021 Census.
What is the median household income in the suburb of Cowes according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Cowes is $1,026/wk.
What is the median family income in the suburb of Cowes according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Cowes is $1,339/wk.
What is the median personal income in the suburb of Cowes according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Cowes is $586/wk.
How does the suburb of Cowes's income rank nationally?
The suburb of Cowes shows a median taxpayer income of $37,177 and an average of $52,087 according to the latest postcode level ATO data aggregated by AreaSearch for FY-23. This is below the national average, contrasting with Regional Vic.'s median income of $50,954 and average income of $62,728. Based on Wage Price Index growth of 9.62% since FY-23, current estimates would be approximately $40,753 (median) and $57,098 (average) as of March 2026.
What is the disposable income in the suburb of Cowes?
The estimated disposable income in the suburb of Cowes is $3,688 per year according to AreaSearch analysis.
How does the suburb of Cowes's disposable income compare to the region?
The suburb of cowes's disposable income is $3,688 compared to $5,209 for Regional Vic., based on AreaSearch analysis.

Housing StockHousing & Dwellings in Cowes

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Cowes had 2,747 occupied dwellings at the 2021 Census, 84% detached houses and 4% apartments. 23% are owned with a mortgage, 28% rented and 49% owned outright. At that Census the median rent was $331 a week and the median mortgage repayment $1,550 a month. Rent absorbs 32.3% of household income here and mortgage repayments 34.9%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.

Detail

The residential landscape in the suburb of Cowes at the time of the last Census consisted of 83.7% detached houses and 16.3% alternative housing types (including townhouses, flats, and other dwellings), compared to 90.1% houses and 9.9% alternative dwellings across Regional Vic.. Additionally, outright home ownership in the suburb of Cowes was much higher than the Regional Vic. rate, standing at 49.1%, with the remaining properties occupied by people with a mortgage (23.4%) or tenants (27.6%). The median monthly home loan payment in the area was higher than the Regional Vic.

average at $1,550, and the median weekly rent was recorded at $331, compared to Regional Vic. figures of $1,430 and $285. On a national level, mortgage payments in the suburb of Cowes are much lower than the Australian average of $1,863, and weekly rents are also well below the countrywide figure of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Cowes?
In the suburb of Cowes, 49.1% of homes are owned outright, 23.4% are owned with a mortgage, and 27.6% are rented.
What percentage of dwellings in the suburb of Cowes are houses?
According to the latest data, 83.7% of dwellings in the suburb of Cowes are houses.
What percentage of dwellings in the suburb of Cowes are apartments or units?
In the suburb of Cowes, 4.1% of dwellings are apartments or units, with an additional 11.8% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Cowes?
Outright home ownership in the suburb of Cowes stands at 49.1%, compared to 40.9% in Regional Vic..
What is the median monthly mortgage repayment in the suburb of Cowes?
The median monthly mortgage repayment in the suburb of Cowes is $1,550, compared to $1,430 in Regional Vic..
What is the median weekly rent in the suburb of Cowes?
The median weekly rent in the suburb of Cowes is $331, compared to $285 in Regional Vic..
What is the distribution of rental prices in the suburb of Cowes?
In the suburb of Cowes, 4.9% of rentals are $0-149/week, 49.7% are $150-349/week, 45.4% are $350-649/week, 0.0% are $650-949/week, and 0.0% are $950+/week.
What is the average monthly housing cost in the suburb of Cowes?
The aggregate monthly housing cost in the suburb of Cowes is $758, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Cowes?
In the suburb of Cowes, households with mortgages typically spend 34.9% of their income on mortgage repayments, while renters spend 32.3% of their income on rent.
How crowded are homes in the suburb of Cowes?
The average persons per bedroom ratio in the suburb of Cowes is 0.7, indicating the level of household density.
How does housing affordability in the suburb of Cowes compare to the region?
Housing affordability in the suburb of Cowes shows mortgage holders spending 34.9% of income on repayments (vs 23.8% regionally), while renters spend 32.3% of income on rent (vs 20.6% regionally).
What types of dwellings are most common in the suburb of Cowes?
The dwelling mix in the suburb of Cowes consists of 83.7% detached houses, 11.8% semi-detached dwellings, 4.1% apartments, and 0.4% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Cowes?
Based on the area's tenure composition, the weighted average monthly housing cost is approximately $758. This accounts for outright owners paying no housing costs, mortgage holders paying $1,550/month, and renters paying $1,433/month.
How affordable is housing in the suburb of Cowes relative to local incomes?
Housing in Cowes consumes approximately 17.1% of median household income ($4,443 monthly), indicating costs are highly affordable. The generally accepted benchmark is that housing should not exceed 30% of household income.
How do proposed developments compare to existing housing types in the suburb of Cowes?
Recent development applications in Cowes show attached dwellings contributing 62% of approvals compared to 16% of existing stock, while detached houses represent 38% of applications versus 84% of current dwellings. This suggests increasing densification. Housing density growth is around the national average.

HouseholdsHousehold Composition in Cowes

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Cowes counted 2,747 households at the 2021 Census, an estimated 3,274 today, averaging 2.1 people each. 18% are couples with children, fewer than in 92% of areas nationally, against 35% couples without children. 35% of households are people living alone, and families average 1.9 children. Household and family composition is measured only by the Census, so these are 2021 figures.

Detail

Family units constitute the majority of households at 62.9%, which includes 17.6% couples with children, 35.0% couples without children, and 9.8% single parent households. Non-family living arrangements account for the remaining 37.1%, with single-person households representing 34.8% and group share houses making up 2.4% of the total. The median household occupancy of 2.1 people is smaller than the Regional Vic. average of 2.4.

Frequently Asked Questions - Households

How many households are in the suburb of Cowes?
As of the 2021 Census, the suburb of Cowes had 2,747 households. Based on population growth patterns, this has grown by approximately 19.2% to an estimated 3,274 households today.
What is the typical household size?
The median household size in the suburb of Cowes is 2.1 people. This compares to 2.4 in Regional Vic. and reflects the area's household composition mix.
What types of households are most common?
Family households dominate at 62.9% of all households. The remaining households consist of lone person households (34.8%), group households (2.4%), and other household types (0.0%).
How are families structured in the area?
Among the 1,727 family households, 17.6% are couples with children, 35.0% are couples without children at home, and 9.8% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Cowes compare to regional household patterns?
Compared to Regional Vic., the suburb of Cowes shows distinct household patterns. Lone person households are notably over-represented at 34.8% (versus 29.3% regionally). This higher proportion of single-person households drives demand for smaller dwellings and different community services.
What is the average family size?
Families in the suburb of Cowes have an average of 1.9 children, slightly above the Regional Vic. average of 1.8. This influences local demand for child-related services and larger family homes.
What are the marriage patterns in the suburb of Cowes?
Marriage patterns reveal 49.5% of the adult population are currently married, while 24.5% have never married. This compares to 46.3% married and 34.0% never married across Regional Vic..
How significant are single-person households?
Single-person households represent 34.8% of all households in the suburb of Cowes, higher than the regional average of 29.3%. This affects demand for smaller dwellings and single-person accommodation.
Are shared living arrangements common?
Group households (unrelated people sharing) account for 2.4% of households, well below the Regional Vic. average of 2.9%. This low rate suggests limited student or young professional shared accommodation.
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EducationSchools & Education in Cowes

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19.1% of adults in Cowes hold a university qualification, including 13.1% with a bachelor degree and 3.2% with postgraduate qualifications. A further 27.8% hold a vocational qualification. 2 schools serve the area, with 654 enrolment places and an average ICSEA of 1,022 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.

Detail

The area experiences lower levels of tertiary education, with university graduation rates (19.1%) sitting significantly below the VIC average of 33.4%. This represents a hurdle as well as an opening for focused education programs. Bachelor degrees are the most common credential at 13.1%, followed by postgraduate degrees (3.2%) and graduate diplomas (2.8%). Vocational and technical training is prominent, with 41.9% of residents aged 15+ possessing vocational qualifications, consisting of advanced diplomas (14.1%) and certificates (27.8%). A significant 24.3% of local residents are enrolled in structured study. This cohort is made up of 9.6% attending primary school, 6.8% in high school, and 2.6% enrolled in tertiary courses.

Frequently Asked Questions - Education

What percentage of people in the suburb of Cowes have university qualifications?
19.1% of people aged 15 and over in the suburb of Cowes have university qualifications, compared to 21.7% in the broader region.
What percentage of people in the suburb of Cowes have no formal qualifications?
38.9% of people aged 15 and over in the suburb of Cowes have no formal qualifications, compared to 40.4% regionally.
How does the suburb of Cowes's education level compare to national averages?
The suburb of cowes ranks in the 51th percentile nationally for education based on AreaSearch's analysis of qualification and performance metrics.
What types of qualifications are most common in the suburb of Cowes?
The most common qualifications in the suburb of Cowes are: Certificate (27.8%), Advanced Diploma (14.1%), Bachelor Degree (13.1%).
What proportion of the suburb of Cowes's population is currently attending educational institutions?
24.3% of the population in the suburb of Cowes is currently engaged in formal education, with 9.6% in primary school, 6.8% in secondary school, 2.6% at university.
What is the ICSEA score for schools in the suburb of Cowes?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Cowes is 1022, indicating average socio-educational advantage (national average is 1000).
How many schools are located within the suburb of Cowes?
There are 2 schools within the suburb of Cowes, with a combined enrollment of approximately 654 students.
What types of schools are available in the suburb of Cowes?
The suburb of cowes includes 2 primary schools.

Schools Detail

AmenitiesServices & Amenities in Cowes

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Getting AroundTransport & Commuting in Cowes

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Public transport in Cowes reaches 24 stops on 3 routes, timetabled for about 160 services a week. The typical home sits about 410 m from its nearest stop. Households keep an average of 1.2 vehicles. Stop and service counts are built from operators' published GTFS timetables and refresh with each timetable release; vehicle ownership is from the 2021 Census.

Detail

Public transport data indicates there are 24 active transit stops within the suburb of Cowes. These locations are served by 3 separate routes, which combine to offer 156 weekly services for commuters. Transport access is classified as moderate, with residents living an average of 407 meters from their closest stop. As the area is predominantly residential, most workers travel elsewhere to work, with private vehicles remaining the primary transit method at 89%, while 7% of residents walk. Car ownership is an average of 1.2 vehicles per household, which is below the regional average.

About 21.3% of workers worked from home, according to the 2021 Census, which may have been influenced by COVID-19 rules. The frequency of transit services averages 22 runs per day across all routes, which translates to roughly 6 weekly runs per stop.

Frequently Asked Questions - Transport

How many public transport stops are in Cowes?
There are 24 public transport stops within the suburb of Cowes.
How frequent are the transport services in Cowes?
the suburb of Cowes has 156 weekly trips across 3 routes, averaging 22 trips per day.
How far are residents from public transport in Cowes?
On average, residential properties are 407 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Cowes

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58.3% of residents in Cowes report no long-term health condition. 8.4% need daily assistance with core activities, and 47.5% hold private health cover. The standardised death rate runs at 5.0 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

Health indicators in the suburb of Cowes are close to nationwide baselines, according to AreaSearch's evaluation of death rates and the frequency of chronic illnesses. The rate of common health issues among the broader population is relatively standard, though it tracks above the national average for older age groups, and private health insurance coverage is very low, held by approximately 48% of the population (~3,733 people). This compares to 50.5% in Regional Vic. and a national average of 55.7%. The most frequent medical diagnoses in the locality were arthritis and mental health challenges, affecting 12.3 and 9.6% of residents, respectively.

Meanwhile, 58.3% of residents reported having no long-term health conditions, compared to 63.4% across Regional Vic.. The working-age population exhibits notable health difficulties, with higher rates of chronic conditions. Residents aged 65 and over make up 36.9% of the population (2,899 people), which is higher than the 23.9% recorded in Regional Vic.. Senior health metrics present some challenges, although they rank more favorably on a national scale than the overall local population.

Frequently Asked Questions - Health

How many people in the suburb of Cowes have private health insurance?
Around 47.5% of people in the suburb of Cowes are covered by private health insurance, which compares to 50.5% in the broader region of Regional Vic..
What percentage of the population requires ongoing medical assistance in the suburb of Cowes?
In the suburb of Cowes, 8.4% of the population is identified as requiring ongoing medical assistance. This figure is slightly different from the regional average, where 6.9% of people in Regional Vic. require similar assistance.
How prevalent is asthma in the suburb of Cowes?
7.5% of people in the suburb of Cowes are diagnosed with asthma. In comparison, 8.7% of the population across Regional Vic. is affected by asthma.
What percentage of people have diabetes in the suburb of Cowes?
Diabetes affects 5.4% of the the suburb of Cowes population, while in the surrounding region, 4.6% of people are diagnosed with diabetes.
What is the percentage of people with heart disease in the suburb of Cowes?
5.6% of people in the suburb of Cowes have heart disease. Across the region of Regional Vic., 4.4% of the population is affected by heart disease.
How does the suburb of Cowes compare to the region in terms of overall private health coverage?
In the suburb of Cowes, 47.5% of the population are estimated to have private health insurance. Comparatively, Regional Vic. sees an estimated private health coverage rate of 50.5%.

Ancestry & LanguageCultural Diversity in Cowes

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Cowes is largely Australian-born, at 78.6% of residents, with 8.5% speaking a language other than English at home. The largest reported ancestries are English (33.1%) and Australian (27.1%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.

Detail

The suburb of Cowes aligns closely with the broader regional averages for cultural metrics, with 87.1% of residents holding citizenship, 78.6% born in Australia, and 91.5% using only English at home. Christianity is the dominant religion, representing 46.2% of local residents. The most distinct statistical overrepresentation is observed in Judaism, which accounts for 0.1% of the population, matching the 0.1% recorded across Regional Vic.. Regarding ancestral backgrounds (parents' birthplace), the three most common heritages in the suburb of Cowes are English at 33.1%, Australian at 27.1%, and Scottish at 9.2%.

There are also distinct variations in several other ethnic origins: Dutch is overrepresented at 1.8% of the population in the suburb of Cowes (compared to 1.7% in the region), Maltese at 0.8% (compared to 0.5%), and Welsh at 0.6% (compared to 0.4%).

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Cowes?
Cowes was found to be roughly in line with the wider region's average in terms of cultural diversity, with 87.1% of its population being citizens, 78.6% born in Australia, and 91.5% speaking English only at home.
What is the most common religion in the suburb of Cowes?
The main religion in Cowes was found to be Christianity, which makes up 46.2% of people in Cowes. However, the most apparent overrepresentation was in Judaism, which comprises 0.1% of the population, compared to 0.1% across Regional Vic..
What are the top countries of origin in the suburb of Cowes?
In terms of ancestry (country of birth of parents), the top three represented groups in Cowes are English, comprising 33.1% of the population, Australian, comprising 27.1% of the population, and Scottish, comprising 9.2% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Dutch is notably overrepresented at 1.8% of Cowes (vs 1.7% regionally), Maltese at 0.8% (vs 0.5%) and Welsh at 0.6% (vs 0.4%).
How does the percentage of people born overseas compare to the regional average?
21.4% of the the suburb of Cowes population was born overseas, compared to 13.2% regionally.
What percentage of the the suburb of Cowes population speaks a language other than English at home?
8.5% of the population in the suburb of Cowes speaks a language other than English at home, compared to 7.6% in the wider region.
How many people in the suburb of Cowes identify as Australian Aboriginal?
0.7% of the the suburb of Cowes population identifies as Australian Aboriginal, compared to 1.4% in the region.
What is the citizenship status of the population in the suburb of Cowes?
87.1% of the the suburb of Cowes population holds citizenship, compared to 88.6% in the wider region.

Age StructureAge Profile of Cowes

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The median resident of Cowes is 55, older than 97% of areas nationally. 15.7% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.

Detail

With a median age of 55 years, the suburb of Cowes is significantly older than the Regional Vic. median of 43 and is substantially above the national average of 38. The age distribution reveals that the 65 - 74 age tier is particularly large (20.7%), whereas the 25 - 34 bracket is smaller (7.7%) than in Regional Vic.. This concentration of 65 - 74 year-olds is much higher than the national share of 9.4%. Since 2021, the 15 to 24 age bracket has risen from 6.4% to 8.0% of the population, and the 75 to 84 group has grown from 10.8% to 12.0%.

In contrast, the 55 to 64 tier has decreased from 15.7% to 14.2% and the 45 to 54 group has dropped from 11.1% to 9.8%. Looking forward to 2041, demographic projections indicate notable changes in the age structure of the suburb of Cowes, with the 65 to 74 age group expected to grow steadily, rising by 586 individuals (36%) from 1,626 to 2,213.

Frequently Asked Questions - Age

What is the median age in the suburb of Cowes?
According to the latest data, the median age in the suburb of Cowes is 55 years.
How does the suburb of Cowes's median age compare to broader areas?
At 55 years, Cowes is 12 years older than the Regional Vic. average (43 years) and 17 years older than the national average (38 years).
What age groups are over-represented in the suburb of Cowes?
The most over-represented age group in the suburb of Cowes compared to the Regional Vic. region is the 65 - 74 group, making up 20.7% of the population.
What age groups are under-represented in the suburb of Cowes?
The most under-represented age group in the suburb of Cowes compared to the Regional Vic. region is the 25 - 34 group, making up 7.7% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Cowes show significant variance compared to the Regional Vic. region. The most over-represented age groups are 65-74 year-olds (20.7% vs 12.8%) and 85+ year-olds (4.2% vs 2.8%).
What is the percentage of children (0-14 years) in the suburb of Cowes?
The percentage of children aged 0-14 years in the suburb of Cowes is 13.4%.
What is the percentage of older people (65+ years) in the suburb of Cowes?
The percentage of people aged 65 and over in the suburb of Cowes is 36.9%.

Data & MethodBoundaries, Sources & Method for Cowes

Data currency Refreshed

9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 2026.

Everything is aggregated to the Suburb (SAL) boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.

The ledger — source, cycle and currency by section

Section Source & update cycle Currency
Updated within the last 12 months 9 sections
Population ABS, GNAF, Geoscience Australia Annual (ABS ERP) May 2026 3 months ago headline measures · 2021 Census baseline
Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to May 2026, with the 2021 Census supplying the small-area baseline.
Age profile ABS, Geoscience Australia, State governments Annual May 2026 3 months ago headline measures · 2021 Census baseline
Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate.
Development & approvals ABS, GNAF Monthly (ABS approvals) Jun 2026 2 months ago headline measures · May 2026 baseline
Property sales & rents Valuer General, Rental Board, ABS Weekly sales, quarterly rents Aug 2026 this month all 21 measures
Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Aug 2026.
Infrastructure projects Infrastructure Australia, State agencies, Local governments Daily Jun 2026 2 months ago all 10 projects tracked here
Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated Jun 2026.
Employment ABS, DEWR, JSA Quarterly (ABS SALM) Mar 2026 5 months ago headline measures · 2021 Census baseline
Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census.
Education ABS, ACARA Annual (ACARA) Aug 2026 this month headline measures · 2021 Census baseline
Transport ABS, State Transport Departments Each timetable release Jul 2026 last month headline measures · 2021 Census baseline
Services & amenities Provider directories, ACECQA Continuous Jul 2026 last month all 14 measures
Annual and financial-year sources 2 sections
Income ABS, ATO Annual (ATO) FY 2023 3 years ago headline measures · 2021 Census baseline
ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail.
Health ABS, ATO Annual 2024 2 years ago headline measures · 2021 Census baseline
Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current.
Housing ABS 5-yearly (Census) 2021 Census next update 2026 all 30 measures
Households ABS 5-yearly (Census) 2021 Census next update 2026 all 18 measures
Cultural diversity ABS, Geoscience Australia 5-yearly (Census) 2021 Census next update 2026 all 44 measures

"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.

How the numbers are built

Population

The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 642 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (6,593 at the 2021 Census → 7,858 now). Annual growth rates are compound (CAGR), not simple averages.

Age profile

Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to May 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".

Property sales

Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.

Rents

Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.

Development & infrastructure

Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.

Employment & income

Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.

Education, transport & amenities

School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.

Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.

Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.

Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (SAL20657). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.

Common questions about this page

How do Cowes suburb boundaries differ from Statistical Areas?
This page uses Suburbs and Localities (SAL) boundaries (suburb-style geography). SAL represents commonly-known suburb names used in addresses, while Statistical Areas (SA2) are designed for census/statistical reporting. Even when sharing the same name, SAL and SA2 boundaries often cover different geographic areas with different populations.
Where does the data on this Cowes page come from?
AreaSearch compiles this page from official and industry sources — including ABS, Geoscience Australia, Valuer General, Provider directories, DEWR, JSA, State Transport Departments and ACARA — then aggregates them to the boundary shown and calculates the rankings, growth rates and benchmarks itself. Property sales come from the state valuation authority, rents from state rental bond lodgements, development applications from council and state planning portals, school data from ACARA, and public transport from state transport departments.
Is the Cowes data on this page just from the 2021 Census?
No. Most of this page is maintained well beyond the Census. Sourced entirely from current releases: development & approvals (Jun 2026), property sales & rents (Aug 2026), infrastructure projects (Jun 2026) and services & amenities (Jul 2026). Built on a Census baseline but carrying newer measures on top: population (to May 2026), age profile (to May 2026), employment (to Mar 2026), income (to FY 2023), education (to Aug 2026), transport (to Jul 2026) and health (to 2024). Population and age cohorts in particular are re-based to the latest ABS Estimated Resident Population rather than left at 2021 counts. Only housing, households and cultural diversity remain wholly Census-based, because no more current small-area dataset exists for those measures.

Nearby Areas