Nagambie

Nagambie lies within the top 10% of areas nationally in terms of population growth performance according to AreaSearch analysis of short and medium-term trends

Based on analysis of ABS population updates for Nagambie, as of Nov 2025 its population is estimated at around 2,643. This reflects an increase of 389 people since the 2021 Census, which reported a population of 2,254. The change was inferred from AreaSearch's estimate of Nagambie's resident population at 2,548 following examination of ABS's latest ERP data release in June 2024 and an additional 224 validated new addresses since the Census date. This level of population equates to a density ratio of 18.2 persons per square kilometer. Nagambie's growth rate of 17.3% since the 2021 census exceeded both its SA4 region (5.4%) and the non-metro area, marking it as a growth leader in the region. Interstate migration contributed approximately 73.0% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, released in 2024 with 2022 as the base year. For areas not covered by this data, AreaSearch utilises VIC State Government's Regional/LGA projections released in 2023, adjusted employing a method of weighted aggregation of population growth from LGA to SA2 levels. Growth rates by age group from these aggregations are applied across all areas for years 2032 to 2041. Moving forward with demographic trends, exceptional growth is predicted over the period with Nagambie expected to increase by 1,836 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 60.9% in total over the 17 years.

AreaSearch assessment of residential approval activity sees Nagambie among the top 30% of areas assessed nationwide

AreaSearch analysis indicates Nagambie had around 46 dwelling approvals per year. Between FY-21 and FY-25, approximately 234 homes were approved, with another 8 in FY-26 so far. This results in an average of 1.4 people moving to the area per dwelling built over these years.

The average construction cost value is $710,000, targeting the premium market segment. In FY-26, there have been $8.3 million in commercial approvals. Compared to Rest of Vic., Nagambie records 145.0% more development activity per person. Recent construction comprises 96.0% standalone homes and 4.0% townhouses or apartments, maintaining the area's low density nature with approximately 62 people per dwelling approval. By 2041, Nagambie is projected to grow by 1,610 residents.

Building activity is keeping pace with growth projections.

Nagambie has strong levels of nearby infrastructure activity, ranking in the top 40% nationally

No infrastructure projects have been identified by AreaSearch that could impact the area. Key projects include North East Rail Line Upgrade, Inland Rail Beveridge to Albury, Regional Housing Fund (Victoria), and Inland Rail - Tottenham To Albury.

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Employment drivers in Nagambie are experiencing difficulties, placing it among the bottom 20% of areas assessed across Australia

Nagambie's workforce is balanced across white and blue-collar jobs. The construction sector is prominent, with an unemployment rate of 5.4% as per AreaSearch's statistical area data aggregation in June 2025.

There are 1,131 employed residents, a 1.6% higher unemployment rate than Rest of Vic.'s 3.8%. Workforce participation stands at 51.7%, significantly lower than Rest of Vic.'s 57.4%. Key employment sectors include health care & social assistance, agriculture, forestry & fishing, and construction. Agriculture, forestry & fishing is particularly strong, employing 1.7 times more residents than the regional average.

Retail trade employs 6.0% of local workers, below Rest of Vic.'s 9.9%. Between June 2024 and May 2025, Nagambie's labour force increased by 1.4%, while employment declined by 0.7%, raising the unemployment rate by 2.0 percentage points. This contrasts with Rest of Vic., where employment contracted by 0.9%, labour force fell by 0.4%, and unemployment rose by 0.4 percentage points. Jobs and Skills Australia's national employment forecasts from Sep-22 project a 6.6% growth over five years and 13.7% over ten years for national employment. Applying these projections to Nagambie's employment mix suggests local employment should increase by 5.5% over five years and 12.1% over ten years, based on simple weighting extrapolation for illustrative purposes.

Income figures position the area below 75% of locations analysed nationally by AreaSearch

According to AreaSearch's aggregation of the latest postcode level ATO data released for financial year ending June 2022, Nagambie had a median income among taxpayers of $46,192 with the average level standing at $58,090. This is lower than national averages which were $48,741 and $60,693 respectively for Rest of Vic. Based on Wage Price Index growth of 12.16% between financial year ending June 2022 and September 2025, current estimates would be approximately $51,809 (median) and $65,154 (average). According to the Census conducted in August 2021, household, family and personal incomes in Nagambie all fall between the 9th and 23rd percentiles nationally. Income distribution data shows that 28.3% of Nagambie's population (747 individuals) fall within the $400 - $799 income range, differing from patterns across the surrounding region where $1,500 - $2,999 dominates with 30.3%. After housing costs, 85.6% of income remains in Nagambie, ranking at only the 12th percentile nationally.

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

Nagambie's dwelling structures, as per the latest Census, consisted of 88.5% houses and 11.5% other dwellings (semi-detached, apartments, 'other' dwellings). In comparison, Non-Metro Vic.'s dwelling structures were 93.6% houses and 6.4% other dwellings. Nagambie's home ownership rate was higher at 48.6%, with the remaining dwellings either mortgaged (27.2%) or rented (24.2%). The median monthly mortgage repayment in Nagambie was $1,487, lower than Non-Metro Vic.'s average of $1,500. The median weekly rent figure in Nagambie was recorded at $295, compared to Non-Metro Vic.'s $280. Nationally, Nagambie's mortgage repayments were significantly lower than the Australian average of $1,863, while rents were substantially below the national figure of $375.

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

Family households account for 61.2% of all households, including 19.7% composed of couples with children, 32.3% consisting of couples without children, and 8.6% made up of single parent families. Non-family households constitute the remaining 38.8%, with lone person households at 35.9% and group households comprising 2.6% of the total. The median household size is 2.1 people, which is smaller than the Rest of Vic. average of 2.3.

Educational outcomes in Nagambie fall within the lower quartile nationally, indicating opportunities for improvement in qualification attainment

The area's university qualification rate is 15.6%, significantly lower than Victoria's average of 33.4%. Bachelor degrees are the most common at 11.0%, followed by graduate diplomas (2.8%) and postgraduate qualifications (1.8%). Vocational credentials are prevalent, with 40.0% of residents aged 15+ holding them, including advanced diplomas (10.2%) and certificates (29.8%). A total of 23.4% of the population is actively engaged in formal education, comprising 8.8% in primary, 7.1% in secondary, and 2.1% in tertiary education.

Nagambie Primary School and St Joseph's School serve a combined total of 200 students, operating under typical Australian school conditions (ICSEA: 1006) with balanced educational opportunities. Both schools cater exclusively to primary education, with secondary options available in nearby areas. The area has fewer school places per 100 residents (7.6) compared to the regional average (13.9), indicating some students may attend schools outside their immediate vicinity.

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

Nagambie has four operational public transport stops offering a mix of train and bus services. These stops are served by nine distinct routes, collectively facilitating 163 weekly passenger trips. Transport accessibility is assessed as limited, with residents typically residing 692 meters from the nearest stop.

Service frequency averages 23 trips daily across all routes, equating to approximately 40 weekly trips per individual stop.

Health performance in Nagambie is well below average with prevalence of common health conditions notable across both younger and older age cohorts

Nagambie faces significant health challenges, with common conditions prevalent among both younger and older age groups. Approximately half of Nagambie's total population (~1,317 people) has private health cover, lower than the national average of 55.3%.

The most common medical conditions are arthritis (affecting 12.7% of residents) and asthma (8.1%). Sixty-point-eight percent of residents report no medical ailments, slightly lower than Rest of Vic.'s 63.0%. Nagambie has a higher proportion of residents aged 65 and over, at 33.4% (882 people), compared to Rest of Vic.'s 25.2%.

Nagambie is considerably less culturally diverse than average when assessed alongside AreaSearch's national rankings for language and cultural background related metrics

Nagambie, as per the census data from June 2016, had a cultural diversity index of below average. The population was predominantly Australian citizens, with 88.0% holding citizenship, and 88.1% having been born in Australia. English was the primary language spoken at home by 93.8% of Nagambie's residents.

Christianity was the dominant religion, practiced by 56.2% of the population, compared to a regional average of 47.9%. The top three ancestry groups were Australian (31.9%), English (31.9%), and Irish (11.1%). Notably, Scottish ancestry was slightly overrepresented in Nagambie at 9.0%, compared to the regional figure of 9.1%. Maltese ancestry was present at 0.4% in Nagambie, lower than the regional average of 0.7%. Macedonian ancestry was similarly low at 0.1%, matching the regional average.

Nagambie ranks among the oldest 10% of areas nationwide

Nagambie's median age at 51 years is significantly higher than the Rest of Vic average of 43 and considerably older than Australia's median age of 38. Compared to the Rest of Vic average, Nagambie has a notably over-represented cohort of 65-74 year-olds (18.5% locally) while 45-54 year-olds are under-represented (7.7%). This concentration of 65-74 year-olds is well above the national average of 9.4%. Post-2021 Census data shows that the 75 to 84 age group grew from 9.2% to 11.0%, while the 65 to 74 cohort increased from 17.4% to 18.5%. Conversely, the 45 to 54 cohort declined from 9.7% to 7.7% and the 55 to 64 group dropped from 15.7% to 14.2%. By 2041, Nagambie is expected to see notable shifts in its age composition, with the 75 to 84 group projected to grow by 98%, reaching 577 people from 290.