Swan Hill

Suburb (SAL)

Rest of Vic. / Murray River - Swan Hill

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Aug 2026 · Refreshed ABS QuickStats SAL22405 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 Swan Hill

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DemographicsPopulation Growth in Swan Hill

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Swan Hill has an estimated 10,783 residents, down from 11,186 at the 2021 Census — a change of 403 people, or 3.6%. The population has thinned by an average 1.0% a year over five years, slower than 98% of areas nationally. 228 new addresses have been validated here since Census night. Density is about 85 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 evaluation of ABS demographic updates for the surrounding region, alongside new address files verified by AreaSearch following the Census, the suburb of Swan Hill has an estimated population of 10,783 as of May 2026. This represents a contraction of 403 people (3.6%) compared to the 2021 Census, which recorded 11,186 people. This shift is calculated from a resident population of 10,750, calculated by AreaSearch using the most recent ABS ERP release (June 2025) plus an extra 228 validated new addresses added since the Census date. This population level translates to a density of 85 persons per square kilometer, offering ample room per resident and capacity for future housing projects.

The -3.6% contraction in the suburb of Swan Hill since the census is within 0.8 percentage points of the wider SA3 region (-2.8%), showing that population challenges are shared across the broader territory. Demographic gains in the suburb of Swan Hill were mostly fueled by net overseas migration, which accounted for roughly 71.0% of all population increases during recent times. AreaSearch incorporates ABS and Geoscience Australia demographic projections for each SA2 district, published in 2024 with 2022 as the baseline year. Wherever specific SA2 numbers are unavailable, AreaSearch employs Victorian State Government Regional and LGA projections from 2023, adjusted via a weighted consolidation of population shifts from the LGA to the SA2 level. Growth dynamics for separate age cohorts derived from these consolidations are projected forward across all sectors for the years 2032 to 2041. Looking at upcoming demographic changes, the model projects a decrease in total numbers over this timeframe, with the suburb of Swan Hill expected to lose 754 residents by 2041 under this approach. Conversely, expansion is anticipated within particular age brackets, especially the 45 to 54 cohort, which is expected to gain 93 individuals.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Swan Hill?
Total population for the suburb of Swan Hill was estimated to be approximately 10,783 as at May 26. This is based upon an estimated resident population of 10,750 from the ABS up to June 2025.
How has the population in the suburb of Swan Hill changed since 2021?
The suburb of swan hill has lost approximately 403 people and shown a 3.60% decrease from the 11,186 people recorded at the 2021 Census period.
What is the population density in the suburb of Swan Hill?
The population density in the suburb of Swan Hill is estimated at 85 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 Swan Hill?
Over the past 10 years, the population in the suburb of Swan Hill has shown a compound annual growth rate of -0.2% per annum.
What are the main drivers of population growth in the suburb of Swan Hill?
Population growth in the suburb of Swan Hill is driven by: Overseas migration (71.0%), Natural increase (29.0%), Interstate migration (0.0%). The primary driver is Overseas migration, contributing 71.0% of overall population gains.

Residential SupplyHousing Development & Building Approvals in Swan Hill

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226 new dwellings have been approved in Swan Hill over the past five years, an average of 45 a year. That is 4.1 approvals per 1,000 residents. Of the 39 dwellings approved in the latest reporting year, 72% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 96, 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

According to AreaSearch's evaluation of building approvals from the ABS, distributed from local statistical data, Swan Hill averages approximately 45 residential approvals each year, with 226 residential builds authorized during the last 5 financial years (between FY-21 and FY-25) and 88 during the current FY-26. Amid local population declines, residential supply has kept pace with requirements, maintaining a balanced property sector with plenty of options for purchasers, while newly approved dwellings carry an average construction value of $543,000, showing a focus by builders on upscale, premium residences. Furthermore, the area recorded $20.7 million in commercial approvals during the current financial year, showing ongoing commercial investment.

Relative to Rest of Vic., Swan Hill exhibits somewhat stronger building approvals (26.0% higher than the regional average on a per capita basis over the 5 year period), which supports property values while maintaining plenty of options for buyers, despite a recent slowdown in construction. New building approvals are split between 72.0% standalone houses and 28.0% multi-unit developments, keeping local density low with a clear preference for detached properties that appeal to buyers looking for space. The ratio of 348 people per single dwelling approval highlights the quiet, low-scale development setting. Given that population levels are projected to remain steady or contract, Swan Hill is likely to experience less pressure on residential supply, which may present favorable opportunities for prospective purchasers.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Swan Hill recently?
Dwelling approval activity in the the suburb of Swan Hill area has seen 62 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Swan Hill's current population of 10,783 has been supported by 45 approvals on average over recent years.
How does the suburb of Swan Hill's development activity compare to the broader region?
The suburb of Swan Hill has seen 0.41 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 348 people in the suburb of Swan Hill, compared to one for every 156 in the broader region.
Is the suburb of Swan Hill keeping up with housing demand?
Population forecasts suggest stable or declining population, reducing pressure on housing supply in the the suburb of Swan Hill area.
What has been the trend in development approvals over the past five years in the suburb of Swan Hill?
Looking at development activity over the past five years, the suburb of Swan Hill's approval levels have been slightly above the yearly average of 45, showing modest growth in recent years.
How does recent development compare to population growth in the suburb of Swan Hill?
Over the past five years, the population in the suburb of Swan Hill has grown by approximately 688 people, while 226 residential approvals were recorded. This equates to a ratio of 3.0 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 Swan Hill?
With dwelling approval activity running at an average of 45 approvals per year and a population of 10,783, stable population forecasts suggest a mature market with selective development opportunities.
Approvals Pipeline Development applications near Swan Hill

Development applications around Swan Hill

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 49 applications for Swan Hill, 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 Swan Hill

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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 $14.4 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

Local infrastructure projects, major planning decisions, and development programs are primary drivers of local change. AreaSearch has identified 11 active projects that are expected to influence the local area. Key developments include the Swan Hill Tourism and Cultural Hub, the Heirloom Estate development, the Transforming the Heart of Swan Hill Precinct initiative, and the Swan Hill Bridge Replacement, with details on the most significant projects listed below.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the suburb of Swan Hill?
Key infrastructure and planning changes likely to influence the suburb of Swan Hill include: Swan Hill Tourism and Cultural Hub (Construction); Heirloom Estate (Construction); Transforming the Heart of Swan Hill Precinct (Planning); Swan Hill Bridge Replacement (Planning); and Swan Hill Regional Community Sports Hub (Planning). These projects represent significant developments that will shape the area's future infrastructure landscape.
What types of infrastructure projects are impacting the suburb of Swan Hill?
Infrastructure development impacting the suburb of Swan Hill spans multiple sectors including Transport & Logistics, Energy, and Residential Development, among others.
What is the scale of infrastructure investment impacting the suburb of Swan Hill?
Infrastructure investment analysis indicates significant investment of approximately $148 million in infrastructure projects affecting the region, with a notable concentration of investment within the immediate the suburb of Swan Hill vicinity.
How does the suburb of Swan Hill's infrastructure development compare to other areas?
With an infrastructure score in the top 30%, the suburb of Swan Hill demonstrates above-average development activity compared to national benchmarks.
Swan Hill Central Business Precinct Masterplan
Category: Precincts & Urban Renewal
Stage: Planning | Est. Comp: 2027
Source / Links: Link 1   Link 2  

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.

Precincts & Urban Renewal

Southview Estate
Category: Residential Development
Stage: Construction | Est. Comp: 2026
Source / Links: Link 1   Link 2  

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.

Residential Development

Heirloom Estate
Category: Residential Development
Stage: Construction | Est. Comp: 2027
Source / Links: Link 1   

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.

Residential Development

Swan Hill Regional Community Sports Hub
Category: Sports & Recreation
Stage: Planning | Est. Comp: 2027
Source / Links: Link 1   Link 2  

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.

Sports & Recreation

Swan Hill Bridge Replacement
Category: Transport & Logistics
Stage: Planning | Est. Comp: 2032
Source / Links: Link 1   Link 2  

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.

Transport & Logistics

Swan Hill Tourism and Cultural Experience Centre
Category: Arts & Culture
Stage: Completed | Est. Comp: 2025
Source / Links: Link 1   

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.

Arts & Culture

Swan Hill Riverfront Precinct
Category: Communities, Precincts & Urban Renewal
Stage: Completed | Est. Comp: 2024
Source / Links: Link 1   Link 2  

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.

Communities, Precincts & Urban Renewal

Swan Hill Regional Art Gallery Redevelopment
Category: Arts & Culture
Stage: Completed | Est. Comp: 2025
Source / Links: Link 1   Link 2  

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.

Arts & Culture

Jobs & IndustryEmployment Trends in Swan Hill

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5,422 residents of Swan Hill are employed, from a labour force of 5,512. Unemployment sits at 1.6%, with participation at 63.8%. 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

Swan Hill features a balanced labor market containing both white-collar and blue-collar roles, with a strong presence in essential services and an unemployment rate of only 1.6%, aggregated from local statistical areas by AreaSearch. In March 2026, there are 5,422 employed residents, and the unemployment rate is 2.1% lower than the Regional Vic. average of 3.7%, while the participation rate is relatively typical (63.8% compared to 61.1% in Regional Vic.). Census data indicates that a modest 6.9% of local workers operated from home, though this figure may have been influenced by COVID-19 pandemic restrictions.

The largest sectors of employment for local residents are health care & social assistance, retail trade, and education & training. The local workforce is highly specialized in agriculture, forestry & fishing, representing 1.3 times the concentration seen regionally. In contrast, public administration & safety is underrepresented at 5.1% of the workforce compared to the regional average of 6.5%. Although there are local employment options within the area, Census data comparing the working population to the resident population suggests a significant proportion of workers travel to other areas for employment. Based on AreaSearch's compilation of SALM and ABS statistics for the surrounding region, the local workforce contracted by 3.5% during the year leading up to March 2026, while the number of employed residents fell by 2.1%, leading to a decrease in the unemployment rate of 1.4 percentage points. Over the same timeframe, Regional Vic. saw employment contract by 0.1% and the labor force shrink by 0.3%, with unemployment decreasing by 0.2 percentage points. National employment projections released in May-25 by Jobs and Skills Australia provide further context for potential local demand. These five and ten-year projections have been applied to the local workforce structure to model future employment paths. Locally adjusted projections estimate employment growth of 6.0% over five years and 12.8% over ten years, based on national forecasts of 6.6% and 13.7% respectively, though these calculations represent a weighted industry extrapolation rather than localized population forecasting.

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Swan Hill?
As of March 2026, the suburb of Swan Hill has approximately 5,422 employed residents with an unemployment rate of 1.6%. This very low unemployment rate indicates a tight labour market with strong demand for workers. The area ranks in the top 25% nationally for employment performance, indicating a robust job market.
How does the suburb of Swan Hill's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Swan Hill stands at 1.6%, which is 2.1 percentage points below Regional Vic.'s rate of 3.7%. This lower unemployment rate suggests stronger local employment conditions. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Swan Hill?
The employment landscape in the suburb of Swan Hill is dominated by several key sectors. The largest employers are health care & social assistance (16.5% of employment), retail trade (10.3%), and education & training (9.7%). Other significant employers include agriculture, forestry & fishing and construction.
How has employment changed recently in the suburb of Swan Hill?
Over the past year to March 2026, the suburb of Swan Hill has experienced a decline in employment, with total jobs decreasing while the labour force decreased. 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 Swan Hill?
The workforce participation rate in the suburb of Swan Hill is 63.8%, which represents the proportion of working-age residents who are either employed or actively seeking work. This healthy participation rate reflects good employment opportunities and workforce engagement. The local rate leading the Regional Vic. average of 61.1%, showing similar workforce dynamics to the broader region.
Which industries are over-represented in the suburb of Swan Hill's employment market?
The suburb of swan hill shows notable specialization in agriculture, forestry & fishing, which employs 9.5% of the local workforce compared to 7.5% regionally. This moderate specialization indicates some local strength in the sector.
What are the employment growth prospects for the suburb of Swan Hill?
Based on Jobs and Skills Australia projections applied to the suburb of Swan Hill's industry mix, employment is expected to grow by 6.0% over the next five years and 12.8% 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 Swan Hill compare nationally?
The suburb of swan hill's employment market shows strong performance nationally, ranking in the top 25% of areas assessed by AreaSearch. This indicates robust employment conditions and economic vitality compared to other regions. Recent job advertisement trends show the broader employment region experienced 1.0% growth, ranking 10.0th out of 37 regions nationally.
What employment opportunities exist for skilled workers in the suburb of Swan Hill?
Skilled workers will find good opportunities in the suburb of Swan Hill, with skilled sectors accounting for 32.1% of employment. Key sectors for skilled workers include health care & social assistance (16.5%), education & training (9.7%), and professional & technical (3.5%). With projected employment growth of 6.0% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Swan Hill

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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 statistics for the financial year 2023 compiled by AreaSearch, residents in the suburb of Swan Hill earn less than the national average, with a median income of $47,926 and an average income of $57,197. These figures compare to a median of $50,954 and an average of $62,728 across Regional Vic. Adjusted for Wage Price Index growth of 9.62% since the financial year 2023, estimated incomes stand at approximately $52,536 (median) and $62,699 (average) as of March 2026. Data from the 2021 Census indicates that household, family, and individual incomes in Swan Hill are modest, placing between the 28th and 39th percentiles.

The largest income bracket is the $1,500 - 2,999 range, which accounts for 32.9% of residents (3,547 people), mirroring the broader metropolitan trend of 30.3% in this bracket. Housing costs consume a manageable portion of earnings, with 87.8% of income retained, though overall disposable income ranks below average at the 32nd percentile.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Swan Hill?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Swan Hill is approximately $52,536. The official ATO data from FY-23 recorded a median of $47,926.
What is the average taxable income in the suburb of Swan Hill?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Swan Hill is approximately $62,699. The official ATO data from FY-23 recorded an average of $57,197.
How does the median taxable income in the suburb of Swan Hill compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Swan Hill is approximately $52,536 compared to $55,856 in Regional Vic.. The official ATO data from FY-23 shows $47,926 and $50,954 respectively.
How does the average taxable income in the suburb of Swan Hill compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Swan Hill is approximately $62,699 compared to $68,762 in Regional Vic.. The official ATO data from FY-23 shows $57,197 and $62,728 respectively.
What are the main income cohorts in the suburb of Swan Hill according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~32.9% / 3,547 persons) of the suburb of Swan Hill's population is the $1,500 - 2,999 cohort.
How do the main income cohorts in the suburb of Swan Hill compare to the region?
The largest income cohort in the suburb of Swan Hill is the $1,500 - 2,999 group, representing about 32.9% 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 Swan Hill according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Swan Hill is $1,390/wk.
What is the median family income in the suburb of Swan Hill according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Swan Hill is $1,802/wk.
What is the median personal income in the suburb of Swan Hill according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Swan Hill is $754/wk.
How does the suburb of Swan Hill's income rank nationally?
According to AreaSearch's aggregation of the latest postcode level ATO data released for FY-23, the suburb of Swan Hill had a median income among taxpayers of $47,926 with the average level standing at $57,197. This is lower than average on a national basis and compares to levels of $50,954 and $62,728 across Regional Vic. respectively. Based on Wage Price Index growth of 9.62% since FY-23, current estimates would be approximately $52,536 (median) and $62,699 (average) as of March 2026.
What is the disposable income in the suburb of Swan Hill?
The estimated disposable income in the suburb of Swan Hill is $5,286 per year according to AreaSearch analysis.
How does the suburb of Swan Hill's disposable income compare to the region?
The suburb of swan hill's disposable income is $5,286 compared to $5,209 for Regional Vic., based on AreaSearch analysis.

Housing StockHousing & Dwellings in Swan Hill

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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

According to the most recent Census, residential structures in Swan Hill consisted of 83.1% detached houses and 16.9% alternative housing types (including townhouses, apartments, and other dwellings), compared to 90.1% houses and 9.9% alternative structures across Regional Vic. The rate of home ownership in Swan Hill was 36.2%, which is lower than the rate for Regional Vic., with the remaining households split between properties with a mortgage (31.1%) and rental properties (32.7%). The median monthly mortgage payment was $1,300, which is below the Regional Vic. average of $1,430, while the median weekly rent was $235, compared to the regional median of $285.

On a national level, monthly mortgage payments in Swan Hill are notably lower than the Australian average of $1,863, and weekly rents are much lower than the national figure of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Swan Hill?
In the suburb of Swan Hill, 36.2% of homes are owned outright, 31.1% are owned with a mortgage, and 32.7% are rented.
What percentage of dwellings in the suburb of Swan Hill are houses?
According to the latest data, 83.1% of dwellings in the suburb of Swan Hill are houses.
What percentage of dwellings in the suburb of Swan Hill are apartments or units?
In the suburb of Swan Hill, 7.8% of dwellings are apartments or units, with an additional 8.5% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Swan Hill?
Outright home ownership in the suburb of Swan Hill stands at 36.2%, compared to 40.9% in Regional Vic..
What is the median monthly mortgage repayment in the suburb of Swan Hill?
The median monthly mortgage repayment in the suburb of Swan Hill is $1,300, compared to $1,430 in Regional Vic..
What is the median weekly rent in the suburb of Swan Hill?
The median weekly rent in the suburb of Swan Hill is $235, compared to $285 in Regional Vic..
What is the distribution of rental prices in the suburb of Swan Hill?
In the suburb of Swan Hill, 14.7% of rentals are $0-149/week, 73.6% are $150-349/week, 11.7% 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 Swan Hill?
The aggregate monthly housing cost in the suburb of Swan Hill is $737, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Swan Hill?
In the suburb of Swan Hill, households with mortgages typically spend 21.6% of their income on mortgage repayments, while renters spend 16.9% of their income on rent.
How crowded are homes in the suburb of Swan Hill?
The average persons per bedroom ratio in the suburb of Swan Hill is 0.8, indicating the level of household density.
How does housing affordability in the suburb of Swan Hill compare to the region?
Housing affordability in the suburb of Swan Hill shows mortgage holders spending 21.6% of income on repayments (vs 23.8% regionally), while renters spend 16.9% of income on rent (vs 20.6% regionally).
What types of dwellings are most common in the suburb of Swan Hill?
The dwelling mix in the suburb of Swan Hill consists of 83.1% detached houses, 8.5% semi-detached dwellings, 7.8% apartments, and 0.6% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Swan Hill?
Based on the area's tenure composition, the weighted average monthly housing cost is approximately $737. This accounts for outright owners paying no housing costs, mortgage holders paying $1,300/month, and renters paying $1,018/month.
How affordable is housing in the suburb of Swan Hill relative to local incomes?
Housing in Swan Hill consumes approximately 12.2% of median household income ($6,019 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 Swan Hill?
Recent development applications in Swan Hill show attached dwellings contributing 12% of approvals compared to 17% of existing stock, while detached houses represent 88% of applications versus 83% of current dwellings. This suggests development patterns consistent with existing housing mix. Housing density growth is around the national average.

HouseholdsHousehold Composition in Swan Hill

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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

Families make up the majority of households at 66.0%, which is composed of 25.0% couples with children, 28.4% couples without children, and 11.4% single-parent households. The remaining 34.0% consists of non-family households, with single-person households representing 30.6% and group living situations accounting for 3.4%. The average household size in the area is 2.3 people, slightly below the Regional Vic. average of 2.4.

Frequently Asked Questions - Households

How many households are in the suburb of Swan Hill?
As of the 2021 Census, the suburb of Swan Hill had 4,348 households. Based on population growth patterns, this has decreased by approximately 3.6% to an estimated 4,191 households today.
What is the typical household size?
The median household size in the suburb of Swan Hill is 2.3 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 66.0% of all households. The remaining households consist of lone person households (30.6%), group households (3.4%), and other household types (0.0%).
How are families structured in the area?
Among the 2,869 family households, 25.0% are couples with children, 28.4% are couples without children at home, and 11.4% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Swan Hill compare to regional household patterns?
Compared to Regional Vic., the suburb of Swan Hill shows distinct household patterns. 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 Swan Hill have an average of 2.0 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 Swan Hill?
Marriage patterns reveal 47.8% of the adult population are currently married, while 33.1% 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 30.6% of all households in the suburb of Swan Hill, similar to 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 3.4% 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 Swan Hill

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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 levels present a clear area for improvement, as the proportion of residents with a university qualification (16.4%) is significantly lower than the VIC average of 33.4%. This gap highlights both an educational challenge and a clear focus area for future programs. Among higher degrees, bachelor qualifications are the most common at 11.7%, followed by graduate diplomas at 2.4% and postgraduate degrees at 2.3%. Vocational and technical training are highly represented, with 36.8% of residents aged 15+ holding qualifications in these areas, consisting of 10.3% with advanced diplomas and 26.5% with certificates.

A significant proportion of the population is engaged in study, with 27.5% of residents enrolled in an educational program. This student population includes 10.7% in primary school, 7.5% in high school, and 2.4% in tertiary institutions.

Frequently Asked Questions - Education

What percentage of people in the suburb of Swan Hill have university qualifications?
16.4% of people aged 15 and over in the suburb of Swan Hill have university qualifications, compared to 21.7% in the broader region.
What percentage of people in the suburb of Swan Hill have no formal qualifications?
46.8% of people aged 15 and over in the suburb of Swan Hill have no formal qualifications, compared to 40.4% regionally.
How does the suburb of Swan Hill's education level compare to national averages?
The suburb of swan hill ranks in the 31th 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 Swan Hill?
The most common qualifications in the suburb of Swan Hill are: Certificate (26.5%), Bachelor Degree (11.7%), Advanced Diploma (10.3%).
What proportion of the suburb of Swan Hill's population is currently attending educational institutions?
27.5% of the population in the suburb of Swan Hill is currently engaged in formal education, with 10.7% in primary school, 7.5% in secondary school, 2.4% at university.
What is the ICSEA score for schools in the suburb of Swan Hill?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Swan Hill is 969, indicating below-average socio-educational advantage compared to the national average of 1000.
How many schools are located within the suburb of Swan Hill?
There are 10 schools within the suburb of Swan Hill, with a combined enrollment of approximately 2,710 students.
What types of schools are available in the suburb of Swan Hill?
The suburb of swan hill includes 4 primary schools, 4 secondary schools, 2 combined schools.

Schools Detail

AmenitiesServices & Amenities in Swan Hill

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Getting AroundTransport & Commuting in Swan Hill

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Public transport in Swan Hill reaches 56 stops on 16 routes, timetabled for about 370 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

An analysis of public transport networks shows 56 active transit stops in Swan Hill, consisting of bus and rail options. These stops are served by 16 different routes, which provide a total of 367 weekly passenger services. Access to transit is rated as good, with residents living an average of 233 meters from their nearest stop. Because Swan Hill is primarily residential, the majority of working residents commute outside the area, with private cars remaining the primary travel mode at 92%, followed by walking at 6%. The average number of vehicles per household is 1.4.

A relatively low 6.9% of residents worked from home, according to the 2021 Census, which may have been influenced by COVID-19 pandemic conditions. Local transit routes average 52 daily services, which translates to approximately 6 weekly trips for each transport stop.

Frequently Asked Questions - Transport

How many public transport stops are in Swan Hill?
There are 56 public transport stops within the suburb of Swan Hill.
How frequent are the transport services in Swan Hill?
the suburb of Swan Hill has 367 weekly trips across 16 routes, averaging 52 trips per day.
How far are residents from public transport in Swan Hill?
On average, residential properties are 233 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Swan Hill

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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

Residents face notable health difficulties, as indicated by AreaSearch's analysis of local mortality and chronic illness rates, with various medical issues present in both younger and older populations, alongside a relatively low rate of private health insurance coverage at approximately 50% of the population (~5,337 people) compared to the national average of 55.7%. Arthritis and asthma are the most common diagnoses, affecting 9.7 and 9.7% of the population respectively, while 65.5% of residents reported having no chronic medical conditions, slightly higher than the 63.4% average across Regional Vic. Residents of working age experience chronic health issues at rates above the national average.

Seniors aged 65 and over make up 20.8% of the local population (2,242 people), which is lower than the 23.9% average for Regional Vic.

Frequently Asked Questions - Health

How many people in the suburb of Swan Hill have private health insurance?
Around 49.5% of people in the suburb of Swan Hill 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 Swan Hill?
In the suburb of Swan Hill, 6.6% 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 Swan Hill?
9.7% of people in the suburb of Swan Hill 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 Swan Hill?
Diabetes affects 4.5% of the the suburb of Swan Hill 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 Swan Hill?
4.1% of people in the suburb of Swan Hill have heart disease. Across the region of Regional Vic., 4.4% of the population is affected by heart disease.
How does the suburb of Swan Hill compare to the region in terms of overall private health coverage?
In the suburb of Swan Hill, 49.5% 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 Swan Hill

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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 is lower than the regional average, with citizens making up 85.1% of the population, 85.9% of residents born in Australia, and 86.8% using only English at home. Christianity is the dominant religious affiliation, representing 50.6% of residents. The most notable difference is in the Other category, which accounts for 1.9% of the local population compared to 0.8% across Regional Vic. The top three ancestral origins reported by residents are Australian at 30.2%, English at 29.2%, and Irish at 9.3%. There are also distinct demographic variations in other groups, with Italian ancestry overrepresented at 4.7% of the population (compared to 2.9% across the region), Vietnamese ancestry at 1.0% (compared to 0.2% regionally), and Australian Aboriginal ancestry at 2.9% (compared to 1.4% regionally).

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Swan Hill?
Swan Hill was found to be below average in terms of cultural diversity, with 85.1% of its population being citizens, 85.9% born in Australia, and 86.8% speaking English only at home.
What is the most common religion in the suburb of Swan Hill?
The main religion in Swan Hill was found to be Christianity, which makes up 50.6% of people in Swan Hill. However, the most apparent overrepresentation was in Other, which comprises 1.9% of the population, compared to 0.8% across Regional Vic..
What are the top countries of origin in the suburb of Swan Hill?
In terms of ancestry (country of birth of parents), the top three represented groups in Swan Hill are Australian, comprising 30.2% of the population, English, comprising 29.2% of the population, and Irish, comprising 9.3% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Italian is notably overrepresented at 4.7% of Swan Hill (vs 2.9% regionally), Vietnamese at 1.0% (vs 0.2%) and Australian Aboriginal at 2.9% (vs 1.4%).
How does the percentage of people born overseas compare to the regional average?
14.1% of the the suburb of Swan Hill population was born overseas, compared to 13.2% regionally.
What percentage of the the suburb of Swan Hill population speaks a language other than English at home?
13.2% of the population in the suburb of Swan Hill speaks a language other than English at home, compared to 7.6% in the wider region.
How many people in the suburb of Swan Hill identify as Australian Aboriginal?
2.9% of the the suburb of Swan Hill population identifies as Australian Aboriginal, compared to 1.4% in the region.
What is the citizenship status of the population in the suburb of Swan Hill?
85.1% of the the suburb of Swan Hill population holds citizenship, compared to 88.6% in the wider region.

Age StructureAge Profile of Swan Hill

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The median resident of Swan Hill is 38. 26.4% 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 median age of residents is 38, which is lower than the Regional Vic. average of 43 but matches the national average of 38. The 25 - 34 age bracket is highly represented at 15.7% of the population compared to Regional Vic., while the 65 - 74 bracket is less common at 9.6%. Since the 2021 Census, the 25 to 34 age group has increased from 14.7% to 15.7% of the population, whereas the 45 to 54 group has decreased from 10.1% to 9.3%. Future projections indicate that the local age profile will shift by 2041.

The 45 to 54 cohort is expected to increase by 11% (115 people), growing from 1,002 to 1,118 residents. Reflecting an aging population, residents aged 65 and older are projected to account for 56% of all population growth, while the 0 to 4 and 25 to 34 age groups are projected to contract.

Frequently Asked Questions - Age

What is the median age in the suburb of Swan Hill?
According to the latest data, the median age in the suburb of Swan Hill is 38 years.
How does the suburb of Swan Hill's median age compare to broader areas?
At 38 years, Swan Hill is 5 years younger than the Regional Vic. average (43 years) and equal to the national average.
What age groups are over-represented in the suburb of Swan Hill?
The most over-represented age group in the suburb of Swan Hill compared to the Regional Vic. region is the 25 - 34 group, making up 15.7% of the population.
What age groups are under-represented in the suburb of Swan Hill?
The most under-represented age group in the suburb of Swan Hill compared to the Regional Vic. region is the 65 - 74 group, making up 9.6% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Swan Hill show significant variance compared to the Regional Vic. region. The most over-represented age groups are 25-34 year-olds (15.7% vs 11.2%) and 0-4 year-olds (7.3% vs 5.3%).
What is the percentage of children (0-14 years) in the suburb of Swan Hill?
The percentage of children aged 0-14 years in the suburb of Swan Hill is 19.9%.
What is the percentage of older people (65+ years) in the suburb of Swan Hill?
The percentage of people aged 65 and over in the suburb of Swan Hill is 20.8%.

Data & MethodBoundaries, Sources & Method for Swan Hill

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 May 2026 3 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 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 — 228 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (11,186 at the 2021 Census → 10,783 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 (SAL22405). 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 Swan Hill 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 Swan Hill 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 Swan Hill 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 (May 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