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

Nagambie's population is approximately 5,080 as of May 2026. This figure represents an increase of 543 people since the 2021 Census, which recorded a population of 4,537. The change is inferred from the estimated resident population of 4,936 in June 2025 and an additional 342 validated new addresses since the Census date. This results in a population density ratio of 3.9 persons per square kilometer. Nagambie's growth rate of 12.0% since the 2021 census exceeds that of its SA4 region (2.9%) and the Rest of Vic., indicating it as a growth leader in the area. Interstate migration contributed approximately 75.9% to Nagambie's population gains during recent periods.

AreaSearch uses ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022. For areas not covered by this data, AreaSearch employs the VIC State Government's Regional/LGA projections from 2023, adjusted using weighted aggregation methods from LGA to SA2 levels. Growth rates by age group are applied across all areas for years 2032 to 2041. Based on demographic trends and latest annual ERP population numbers, Nagambie is predicted to grow exceptionally, placing it in the top 10 percent of Australia's non-metropolitan areas. The area is expected to expand by 3,444 persons to 2041, reflecting an increase of 65.0% over the 16-year period.

AreaSearch assessment of residential development activity positions Nagambie among the top 25% of areas assessed nationwide

Nagambie has seen approximately 65 new homes approved annually. Over the past five financial years, from FY21 to FY25, around 329 homes were approved, with an additional 25 approvals so far in FY26. On average, about 1.8 people moved to the area per dwelling built over these five years, indicating a balanced supply and demand, leading to stable market conditions.

The average expected construction cost of new dwellings is $413,000, suggesting developers focus on the premium market with high-end developments. This year, Nagambie has seen around $11.8 million in commercial approvals, reflecting moderate levels of commercial development. Compared to the Rest of Vic., Nagambie has 70% more new home approvals per person, offering buyers ample choice. However, development activity has moderated recently. Nationally, Nagambie's developer confidence is notably strong due to its high approval rates.

The area maintains a low-density nature with 96% detached dwellings and 4% townhouses or apartments. Nagambie currently has approximately 102 people per dwelling approval, indicating an expanding market. According to the latest AreaSearch quarterly estimate, Nagambie is expected to grow by around 3,300 residents by 2041. If current development rates continue, housing supply may not keep pace with population growth, potentially increasing competition among buyers and supporting stronger price growth in the future.

Nagambie has moderate levels of nearby infrastructure activity, ranking in the 40thth percentile nationally

Changes to local infrastructure significantly influence an area's performance. Four projects identified by AreaSearch are expected to impact this region. Notable projects include the Seymour Community Wellbeing Hub, Seymour Solar Farm, Haven Seymour, and Goulburn Valley Highway Safety Upgrades. The following details those projected to have the most relevance.

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Nagambie shows employment indicators that trail behind approximately 70% of regions assessed across Australia

Nagambie's workforce is skilled with construction being notably represented. The unemployment rate as of December 2025 was 4.6%. As of that date, 2348 residents were employed while the unemployment rate was 0.9% above Regional Vic.'s rate of 3.7%.

Workforce participation was somewhat below standard at 57.2%, compared to Regional Vic.'s 61.0%. According to Census responses, 17.1% of residents worked from home, potentially influenced by Covid-19 lockdown impacts. Leading employment industries among residents were agriculture, forestry & fishing, construction, and health care & social assistance. Agriculture, forestry & fishing had notable concentration with employment levels at 2.1 times the regional average.

Health care & social assistance had limited presence with 11.6% employment compared to 16.8% regionally. The area appeared to offer limited local employment opportunities based on Census working population vs resident population comparison. Between December 2024 and December 2025, the labour force decreased by 3.4%, while employment declined by 4.6%, causing unemployment to rise by 1.2 percentage points. In contrast, Regional Vic.'s employment fell by 0.6%, labour force contracted by 0.7%, and unemployment fell by 0.1 percentage points during the same period. Jobs and Skills Australia's national employment forecasts from May-25 projected national employment growth of 6.6% over five years and 13.7% over ten years, with varying rates across industry sectors. Applying these projections to Nagambie's employment mix suggested local employment should increase by 5.4% over five years and 11.9% over ten years, though this was a simple weighting extrapolation for illustrative purposes and did not account for localised population projections.

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

AreaSearch's latest postcode level ATO data for financial year ended June 30, 2023 shows that Nagambie SA2 has lower than average incomes nationally. The median income is $50,047 and the average income is $61,602. This contrasts with Regional Vic.'s figures where the median income is $50,954 and the average income is $62,728. Based on Wage Price Index growth of 9.62% since June 30, 2023, current estimates for Nagambie SA2 would be approximately $54,862 (median) and $67,528 (average) as of March 2026. Census data reveals that household, family and personal incomes in Nagambie SA2 rank modestly nationally, between the 19th and 31st percentiles. Income distribution shows that the largest segment comprises 27.6% earning $1,500 - $2,999 weekly (1,402 residents), which is similar to the regional pattern where 30.3% occupy this range. Housing costs are modest with 88.0% of income retained after housing expenses, but total disposable income ranks at just the 25th percentile nationally.

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

Dwelling structure in Nagambie, as evaluated at the latest Census held on 28 August 2016, comprised 93.6% houses and 6.4% other dwellings (semi-detached, apartments, 'other' dwellings), compared to Regional Vic.'s 90.1% houses and 9.9% other dwellings. Home ownership in Nagambie stood at 51.8%, with mortgaged dwellings at 29.2% and rented dwellings at 19.0%. The median monthly mortgage repayment was $1,500, while the median weekly rent figure was recorded at $285. Nationally, Nagambie's mortgage repayments were significantly lower than the Australian average of $1,863, as reported on 27 June 2021, while rents were substantially below the national figure of $375 for the same period.

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

Family households constitute 65.7% of all households, including 21.7% couples with children, 34.7% couples without children, and 8.8% single parent families. Non-family households account for the remaining 34.3%, with lone person households at 31.8% and group households comprising 2.3%. The median household size is 2.2 people, which is smaller than the Regional Vic. average of 2.4.

Nagambie shows below-average educational performance compared to national benchmarks, though pockets of achievement exist

The area's university qualification rate is 17.6%, significantly lower than Victoria's average of 33.4%. Bachelor degrees are the most common at 12.5%, followed by postgraduate qualifications (2.6%) and graduate diplomas (2.5%). Vocational credentials are prevalent, with 40.9% of residents aged 15 and above holding such qualifications, including advanced diplomas (11.9%) and certificates (29.0%). A total of 23.9% of the population is actively engaged in formal education, comprising 9.4% in primary, 6.8% in secondary, and 1.9% in tertiary education.

A substantial 23.9% of the population actively pursues formal education. This includes 9.4% in primary education, 6.8% in secondary education, and 1.9% pursuing tertiary education.

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

Nagambie has six operational public transport stops offering a mix of train and bus services. These stops are served by six unique routes, collectively facilitating 135 weekly passenger trips. Transport accessibility is limited, with residents typically located 1320 meters from the nearest stop. As predominantly residential, most Nagambie residents commute outward using cars as the primary mode at 89%, while 7% walk. On average, there are 1.7 vehicles per dwelling, exceeding the regional norm. According to the 2021 Census, 17.1% of Nagambie residents work from home, which may be influenced by COVID-19 conditions.

Service frequency averages 19 trips per day across all routes, translating to approximately 22 weekly trips per individual stop.

Health outcomes in Nagambie are marginally below the national average with common health conditions slightly more prevalent than average across both younger and older age cohorts

Nagambie's health indicators show below-average results, as per AreaSearch's evaluation of mortality rates and chronic condition prevalence. Common health conditions are slightly more prevalent than average across both younger and older age groups.

Private health cover is relatively low at approximately 50% of the total population (~2,529 people), compared to the national average of 55.7%. The most common medical conditions are arthritis (12.0%) and asthma (7.8%). 63.1% of residents declare themselves completely clear of medical ailments, similar to Regional Vic.'s 63.4%. Working-age population faces notable health challenges due to elevated chronic condition rates. Nagambie has a higher proportion of seniors aged 65 and over at 32.1% (1,630 people), compared to Regional Vic.'s 23.9%. Health outcomes among seniors are above average, with national rankings even higher than the general population.

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

Nagambie, surveyed in August 2016, showed cultural diversity below the average. Its population was predominantly citizens at 89.0%, born in Australia at 88.0%, and speaking English only at home at 94.9%. Christianity was the main religion, accounting for 53.9% of Nagambie's population, compared to 47.3% across Regional Vic..

In terms of ancestry, the top three groups were English (32.2%), Australian (31.4%), and Irish (10.9%). Notable differences existed in Scottish representation at 9.2%, Maltese at 0.5%, and Italian at 2.8%.

Nagambie ranks among the oldest 10% of areas nationwide

Nagambie's median age is 51 years, which is significantly higher than Regional Vic.'s average of 43 and considerably older than Australia's median of 38. The 65-74 age cohort is notably over-represented in Nagambie at 18.6%, compared to the Regional Vic. average, while the 5-14 year-olds are under-represented at 8.5%. This concentration of the 65-74 cohort is well above the national average of 9.4%. According to post-2021 Census data, Nagambie's population aged 75 to 84 has grown from 8.4% to 10.9%, while the 65 to 74 cohort increased from 16.9% to 18.6%. Conversely, the 55 to 64 cohort has declined from 16.9% to 14.9%, and the 45 to 54 group dropped from 12.1% to 10.6%. By 2041, Nagambie is projected to experience notable shifts in its age composition, with the 75 to 84 group expected to grow by 97% (539 people), reaching a total of 1,094 from 554.