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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.
est. as @ -- *
2021 Census | -- people
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Swan Hill has an estimated 10,877 residents, down from 11,186 at the 2021 Census — a change of 309 people, or 2.8%. The population has thinned by an average 1.0% a year over five years, slower than 98% of areas nationally. 301 new addresses have been validated here since Census night. Density is about 86 people per 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 AreaSearch's evaluation of regional ABS updates alongside validated new addresses logged following the Census, the suburb of Swan Hill has an estimated population of roughly 10,877 as of Aug 2026. Relative to the 11,186 residents documented in the 2021 Census, this indicates a reduction of 309 people (-2.8%). This metric is derived from an Estimated Resident Population of 10,750 determined via ABS ERP figures from June 2025, combined with 301 validated new addresses identified post-Census. The locality features a population density of 85 persons per square kilometer, offering generous space per resident and room for potential expansion.
The suburb of Swan Hill's -2.8% post-Census change is within 0.3 percentage points of the broader SA3 benchmark (-2.5%), demonstrating consistent regional population dynamics. Inbound overseas migration was the primary growth driver, accounting for roughly 71.0% of total incoming population additions over recent timeframes. For each SA2 boundary, AreaSearch incorporates 2024 ABS/Geoscience Australia population projections established from a 2022 baseline. Where SA2 coverage is absent, 2023 Victorian State Government Regional/LGA projections are utilized through weighted LGA-to-SA2 aggregation methods, with cohort growth rates applied across all territories for the 2032 to 2041 period. Looking ahead across this timeline, the suburb of Swan Hill is modeled to undergo an overall population decrease of 745 persons by 2041. In contrast, certain age brackets are slated to expand, most notably the 75 to 84 cohort, which is projected to gain 101 people. Additional detail can be found in the age section.
Frequently Asked Questions - Population
226 new dwellings have been approved in Swan Hill over the past five years, an average of 45 a year. That is 4.5 approvals per 1,000 residents. Of the 49 dwellings approved in the latest reporting year, 82% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 93, running ahead of 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
Analysis of ABS building approvals by AreaSearch indicates that Swan Hill has averaged approximately 45 residential approvals per year, accumulating an estimated 226 homes across the prior 5 financial years. In FY-25 to date, 93 approvals have been catalogued. In the context of a declining population base, residential building activity remains healthy from a purchaser perspective, with newly approved homes carrying an average construction cost of $473,000. Additionally, commercial development approvals have reached $20.7 million during the current financial year, demonstrating consistent non-residential investment. Building activity in Swan Hill exceeds that of Rest of Vic.
by 45.0% per capita across the 5 year timeframe, offering options for purchasers while helping sustain local asset valuations. The composition of approved residential construction consists of 82.0% separate houses and 18.0% attached dwellings, reinforcing the neighbourhood's traditional low-density suburban fabric with spacious family dwellings. With roughly 158 residents for every approved dwelling, Swan Hill demonstrates typical low-density traits. Given population projections indicating plateauing or declining headcounts, Swan Hill should experience easing residential demand, creating favorable conditions for prospective buyers.
Frequently Asked Questions - Development
Development applications around Swan Hill
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 11 current infrastructure and development projects inside Swan Hill, worth an estimated $180 million. A further 45 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $10.2 billion. 17 are already under construction and 23 are due for completion within three years. The pipeline spans residential development, sports & recreation and energy. 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
Regional outcomes are heavily driven by capital works, strategic planning initiatives, and infrastructure upgrades. AreaSearch has pinpointed 11 major developments likely to influence the locality, led by key undertakings such as the Swan Hill Tourism and Cultural Hub, Heirloom Estate, Transforming the Heart of Swan Hill Precinct, and the Swan Hill Bridge Replacement, with priority projects outlined below.
Professional plan users can use the search below to filter and access additional projects.
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Frequently Asked Questions - Infrastructure
Swan Hill Central Business Precinct Masterplan
Development of a place-based Central Business Precinct Masterplan to guide how the Swan Hill CBD will look, feel and function to 2050 and beyond. Funded by $650,000 from the Australian Government's regional Precincts and Partnerships Program (rPPP), the project is led by Swan Hill Rural City Council with Hanson Partnership consultants. The masterplan covers six community sites and sets a shared community vision for a more welcoming city centre, with improved walking connections, safer streets, stronger links to the Murray River, climate-resilient streets, and support for outdoor dining, markets and night-time activity.Community consultation was conducted in February-March 2026 to shape the long-term framework guiding future Council and private investment.
Southview Estate
Southview Estate is a stage one land release offering residential lots ranging from 490m2 to 2936m2, located 3km from Swan Hill city centre. The development provides access to schools, parks, and amenities with government grants available including Regional Victoria FHOG up to $60,000 in savings. Limited lots available in current stage.
Heirloom Estate
Heirloom Estate is a family-oriented residential subdivision offering 246 lots for home building across multiple stages. Located 3km from Swan Hill city centre, the estate features lots ranging from 400m2 to 1500m2 with central parklands and thoughtfully designed streetscapes. Stage 1 offers titled lots while Stage 2 Parklands Release is now selling. The master-planned community embraces nostalgia with streets reminiscent of traditional neighborhoods where children can play cricket and ride bikes safely.
Swan Hill Regional Community Sports Hub
Council has approved the layout designs and external facade renders for a new single-storey, under-croft community sports hub on the south side of the existing grandstand at the Swan Hill Showgrounds Sport and Recreation Precinct. The hub is a catalyst project from the adopted precinct masterplan and is moving through detailed design so it can be shovel ready for future State and Federal funding. Planned features include club administration areas, meeting rooms, a large social space, storage, accessible amenities and flexible multi-use spaces for sporting, social and community activities.
Swan Hill Bridge Replacement
Replacement of the heritage-listed Swan Hill Bridge with a new two-lane bridge, featuring a dedicated pedestrian shared path and a moving span (bascule or vertical lift). The project is in the planning and EIS phase, with the McCallum Street alignment selected. A temporary detour bridge will be located upstream during construction to maintain local access.
Swan Hill Tourism and Cultural Experience Centre
The Swan Hill Tourism and Cultural Experience Centre is a new single-storey purpose-built entry facility at Pioneer Settlement on Monash Drive, Swan Hill. The 45-metre long building consolidates tourism and community functions including a visitor information centre, multipurpose exhibition spaces, staff offices, shop, and a Traditional Owner meeting area for the Wamba Wamba, Latji Latji, Tatti Tatti, Wadi Wadi and Barapa Barapa peoples. The design features gable roofs that mimic the Pioneer Settlements triangular roof forms and includes a deep verandah overlooking gardens.The centre opened in December 2025, replacing the former Visitor Information Centre on Curlewis Street.
Swan Hill Riverfront Precinct
Transformation of an underutilised riverfront area into a contemporary community space. The project includes new Active and Adventure Play Precinct, Regional Skate Park at Riverside Park, Marraboor River Viewing Platform and Boardwalk, and upgraded Monash Drive carpark for better accessibility.
Swan Hill Regional Art Gallery Redevelopment
Redevelopment creating a modern space honoring the gallery's legacy with expanded exhibition areas, dedicated workshop zones, improved storage for artworks, and upgraded environmental systems.
5,422 residents of Swan Hill are employed, from a labour force of 5,512. Unemployment sits at 1.6%, with participation at 64.2%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.0% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. 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 local labour market in Swan Hill demonstrates an even distribution between professional and vocational roles, underpinned by established essential services and an exceptionally low jobless rate of 1.6%, according to AreaSearch aggregated data. By March 2026, employed residents reached 5,422, while the unemployment rate remained 2.1% lower than the Regional Vic. benchmark of 3.7%, alongside a participation rate of 64.2% (compared to 61.1% in Regional Vic.). Census records indicated that only 6.9% of workers conducted their duties from home, though historical Covid-19 pandemic settings should be factored in. Leading fields of resident employment comprise health care & social assistance, retail trade, alongside education & training.
Furthermore, the district displays pronounced industry specialization in agriculture, forestry & fishing, employing 1.3 times the regional rate. Conversely, public administration & safety accounts for merely 5.1% of the workforce, trailing Regional Vic.'s 6.5%. While local jobs exist, comparison of the Census working population against local resident counts suggests a significant portion of workers travel outside the area for employment. AreaSearch analysis of ABS and SALM metrics over the 12 months leading to March 2026 shows a 3.5% contraction in the overall labour force alongside a 2.1% drop in employment, producing a 1.4 percentage point reduction in the unemployment rate. By comparison, Regional Vic. recorded an employment decline of 0.1% and a labour force contraction of 0.3%, corresponding to a 0.2 percentage point decrease. National employment projections published by Jobs and Skills Australia in Mar-26 provide additional context regarding future workforce requirements in Swan Hill. These five- and ten-year industry models, when calibrated against local employment distributions, indicate that while national employment is projected to grow by 6.6% over five years and 13.7% over ten years, local employment would rise by 6.0% over five years and 12.8% over ten years (noting this is a weighted baseline extrapolation that excludes localized population projections).
Frequently Asked Questions - Employment
Median household income in Swan Hill is $1,390 a week (about $72,000 a year), with median personal income at $754 a week. ATO records put median taxable income at $47,926 a year against an average of $57,197. 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
According to the latest ATO postcode records compiled by AreaSearch for financial year 2023, the suburb of Swan Hill recorded a median taxpayer earnings figure of $47,926 and an average of $57,197. These metrics sit below nationwide benchmarks, as well as Regional Vic.'s median of $50,954 and average of $62,728. Factoring in 9.62% growth in the Wage Price Index since financial year 2023, updated estimates as of March 2026 stand at roughly $52,536 (median) and $62,699 (average). Census evaluations show personal, family, and household earnings all ranking in moderate bands between the 28th and 39th percentiles.
In terms of earnings distribution, the largest cohort falls in the $1,500 - 2,999 category, comprising 32.9% of the population (3,578 people), in line with the broader regional figure of 30.3%. Housing costs remain contained with 87.8% of income retained, though overall disposable income rests below the national midpoint at the 32nd percentile.
Frequently Asked Questions - Income
Swan Hill had 4,348 occupied dwellings at the 2021 Census, 83% detached houses and 8% apartments. 31% are owned with a mortgage, 33% rented and 36% owned outright. At that Census the median rent was $235 a week and the median mortgage repayment $1,300 a month. Rent absorbs 16.9% of household income here and mortgage repayments 21.6%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Census assessments show that the residential fabric of Swan Hill consists of 83.1% standalone houses and 16.9% non-house dwellings (including semi-detached units, apartments, and other residential types), compared with 90.1% houses and 9.9% other dwelling styles across Regional Vic.. Outright home ownership in Swan Hill was recorded at 36.2%, below the wider Regional Vic. level, while 31.1% of homes are mortgaged and 32.7% are occupied by tenants. Monthly mortgage repayments in the locality showed a median of $1,300, while median weekly rent was $235, both lower than the Regional Vic.
medians of $1,430 and $285. In a national context, mortgage commitments sit substantially below the Australian median of $1,863, with rental costs also tracking well under the nationwide level of $375.
Frequently Asked Questions - Housing
Swan Hill counted 4,348 households at the 2021 Census, averaging 2.3 people each. 25% are couples with children, against 28% couples without children. 31% of households are people living alone, and families average 2.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family units constitute 66.0% of all local households, divided between couples with children (25.0%), couples without children (28.4%), and single parent families (11.4%). The remaining 34.0% consists of non-family arrangements, with single-person households making up 30.6% and share houses representing 3.4%. The median household size is 2.3 people, tracking slightly below the Regional Vic. standard of 2.4.
Frequently Asked Questions - Households
16.4% of adults in Swan Hill hold a university qualification, including 11.7% with a bachelor degree and 2.3% with postgraduate qualifications. A further 26.5% hold a vocational qualification. 10 schools serve the area, with 2,710 enrolment places and an average ICSEA of 969 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
Educational attainment in the locality reflects lower tertiary rates, with university qualifications held by 16.4% of residents compared to the VIC benchmark of 33.4%, highlighting a distinct demographic profile and scope for educational investment. Bachelor-level credentials represent 11.7%, followed by graduate diplomas at 2.4% and postgraduate degrees at 2.3%. Vocational and technical pathways are well established, with 36.8% of residents aged 15+ holding trade credentials, consisting of advanced diplomas (10.3%) and certificate-level awards (26.5%). A substantial 27.5% of the local population is actively engaged in formal study. Within this enrolled cohort, primary schooling accounts for 10.7%, secondary education represents 7.5%, and 2.4% are engaged in higher education studies.
Frequently Asked Questions - Education
Schools Detail
Public transport in Swan Hill reaches 56 stops on 16 routes, timetabled for about 380 services a week. The typical home sits about 230 m from its nearest stop. Households keep an average of 1.4 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 connectivity in Swan Hill is supported by 56 operational stops providing coach and rail connections. A total of 16 distinct routes service these locations, generating 381 scheduled trips every week. Transit proximity is favorable, with typical residences situated 233 meters from their closest boarding point. Commuter trends reflect a residential footprint where outward travel prevails; private vehicles remain the dominant choice at 92%, while pedestrian commuting accounts for 6%. Household vehicle availability averages 1.4 per home. Work-from-home participation stood at 6.9% in the 2021 Census, subject to prevailing COVID-19 settings.
Transit services maintain an overall frequency of 54 trips per day across the network, translating to roughly 6 weekly departures at each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
65.5% of residents in Swan Hill report no long-term health condition. 6.6% need daily assistance with core activities, and 49.5% hold private health cover. The standardised death rate runs at 6.5 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 compiled by AreaSearch regarding mortality and condition incidence reveal notable wellness challenges in Swan Hill, with common health conditions present across younger and older demographics alike. Furthermore, private health insurance coverage is subdued, encompassing approximately 50% of residents (~5,384 people), compared to the 55.7% national baseline. Arthritis and asthma constitute the leading reported long-term conditions locally, affecting 9.7 and 9.7% of the community respectively, while 65.5% of residents reported no chronic conditions, outperforming the Regional Vic. level of 63.4%. Chronic condition rates among working-age individuals exceed typical averages.
Older residents aged 65 and over account for 21.5% of the population (2,338 people), a lower proportion than the 24.0% recorded across Regional Vic., despite elevated prevalence across nationwide percentiles.
Frequently Asked Questions - Health
Swan Hill is largely Australian-born, at 85.9% of residents, with 13.2% speaking a language other than English at home. The largest reported ancestries are Australian (30.2%) and English (29.2%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity in Swan Hill tracks below broader standards, with 85.1% of residents holding Australian citizenship, 85.9% born within Australia, and 86.8% communicating exclusively in English at home. Christianity forms the predominant religious affiliation, encompassing 50.6% of local citizens. However, a noticeable concentration appears within the Other religious category, representing 1.9% locally versus 0.8% across Regional Vic.. Regarding parental origins, the primary ancestries reported in Swan Hill are Australian at 30.2%, English at 29.2%, and Irish at 9.3%. Notable concentrations of other backgrounds are also present, with Italian representation reaching 4.7% (compared to 2.9% across the region), Vietnamese at 1.0% (versus 0.2%), and Australian Aboriginal heritage at 2.9% (relative to 1.4% regionally).
Frequently Asked Questions - Diversity
The median resident of Swan Hill is 38. 25.1% 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
The demographic structure of the suburb of Swan Hill is comparatively younger at the upper tier than Regional Vic.. Updated figures to August 2026 show that 27.0% of the population comprises young to middle-aged adults (25 - 44), compared to 23.1% in Regional Vic., while mature adults and early retirees (45 - 64) constitute 20.9% versus 24.4% regionally. This results in an estimated median age of 38, matching the 2021 Census figure and sitting 5 years below the Regional Vic. median of 43 from that same Census. At a cohort level, mature adults and early retirees reduced from 21.9% at the Census to an estimated 20.9%.
Projections to 2041 indicate no broad age segment will undergo substantial expansion, whereas youth and young adult groups are anticipated to contract alongside mature adults and early retirees.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Swan Hill
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Oct 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) | Aug 2026 2 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 Aug 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | Aug 2026 2 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to Aug 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Aug 2026 2 months ago headline measures · Jul 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Oct 2026 this month headline measures · Sep 2026 baseline |
| 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 Oct 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | May 2026 5 months ago all 11 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 May 2026. | ||
| Employment | ABS, DEWR, JSA Quarterly (ABS SALM) | Mar 2026 7 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) | Sep 2026 last month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 3 months ago headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Sep 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 — 301 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (11,186 at the 2021 Census → 10,877 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 Aug 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 (SAL22405). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.