Swan Hill

SA2

Rest of Vic. / Murray River - Swan Hill

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Aug 2026 · Refreshed ABS QuickStats 215031404 How we calculate this
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Statistical Area (SA2) Boundary Analysis

This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.

SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).

Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may 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 investigations by AreaSearch, the population of Swan Hill stands at approximately 10,783 as of May 2026. This represents a contraction of 403 individuals (3.6%) from the 11,186 residents recorded during the 2021 Census. This population shift is calculated using the June 2025 ABS estimated resident population of 10,750 alongside 228 validated new addresses registered since the Census. Such a population size results in a density of 85 persons per square kilometer, which offers ample space for inhabitants and potential for future building projects. The 3.6% reduction in Swan Hill's population since the census is within 0.8 percentage points of the broader SA3 region's decline of 2.8%, showing that demographic difficulties are shared across the locality.

International migration was the main driver of population increases, representing about 61.3% of the total demographic gains in recent times. For each SA2 area, AreaSearch applies the population projections published by the ABS and Geoscience Australia in 2024, which use 2022 as their starting point. Where these figures are unavailable, projections are sourced from the 2023 Regional/LGA projections of the VIC State Government, adjusted by weighting and aggregating population growth from the LGA scale to SA2 boundaries. The growth dynamics by age bracket derived from these aggregations are also projected across all locations for the period spanning 2032 to 2041. Future demographic forecasts under this framework suggest a downward trend in total numbers, with the local population expected to shrink by 743 persons by 2041. In contrast, expansion is anticipated within specific age cohorts, particularly the 75 to 84 bracket, which is expected to rise by 95 individuals.

Frequently Asked Questions - Population

What is the latest population estimate for the Swan Hill SA2?
Total population for the Swan Hill SA2 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 Swan Hill SA2 changed since 2021?
The swan hill sa2 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 Swan Hill SA2?
The population density in the Swan Hill SA2 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 Swan Hill SA2?
Over the past 10 years, the population in the Swan Hill SA2 has shown a compound annual growth rate of -0.3% per annum.
What are the main drivers of population growth in the Swan Hill SA2?
Population growth in the Swan Hill SA2 is driven by: Overseas migration (61.3%), Natural increase (38.7%), Interstate migration (0.0%). The primary driver is Overseas migration, contributing 61.3% 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 31 dwellings approved in the latest reporting year, 71% 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 SA2 boundary and are updated monthly as the ABS releases them.

Detail

Around 45 residential building permits are registered annually in Swan Hill, representing 226 properties over the last 5 financial years. Thus far in FY-26, there have been 88 registered approvals. Despite the shrinking local population, the pace of construction has been relatively sufficient, which benefits purchasers, and new properties carry an average estimated construction cost of $303,000. Additionally, commercial development approvals have reached a value of $20.7 million this financial year, showing moderate commercial construction activity. Swan Hill displays a slightly higher volume of building activity compared to the Rest of Vic.

average, running 26.0% higher per capita over the 5 year timeframe, which supports local asset values while offering solid options for purchasers, though the pace of development has slowed down lately. Recent building projects consist of 71.0% stand-alone houses and 29.0% medium and high-density options, maintaining the low-density profile of the locality through a focus on detached homes that appeal to buyers wanting space. The local building market remains quiet and low in activity, as indicated by a ratio of 423 people per residential approval. Given that the population is projected to shrink or stay flat, Swan Hill is likely to experience less pressure on its housing stock, which could open up favorable options for prospective home buyers.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the Swan Hill SA2 recently?
Dwelling approval activity in the the Swan Hill SA2 area has seen 62 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The Swan Hill SA2's current population of 10,783 has been supported by 45 approvals on average over recent years.
How does the Swan Hill SA2's development activity compare to the broader region?
The Swan Hill SA2 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 423 people in the Swan Hill SA2, compared to one for every 156 in the broader region.
Is the Swan Hill SA2 keeping up with housing demand?
Population forecasts suggest stable or declining population, reducing pressure on housing supply in the the Swan Hill SA2 area.
What has been the trend in development approvals over the past five years in the Swan Hill SA2?
Looking at development activity over the past five years, the Swan Hill SA2'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 Swan Hill SA2?
Over the past five years, the population in the Swan Hill SA2 has grown by approximately 670 people, while 226 residential approvals were recorded. This equates to a ratio of 3.0 people added for each new dwelling approval. This indicates solid population growth supported by housing development activity.
Are there opportunities for residential developers in the Swan Hill SA2?
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 86 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $59 billion. 26 are already under construction and 40 are due for completion within three years. The pipeline spans energy, residential development and transport & logistics. 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

Changes to local infrastructure, significant projects, and planning frameworks are key drivers of regional outcomes. AreaSearch has identified a total of 11 projects likely to influence the region. Principal developments include the Swan Hill Tourism and Cultural Hub, Heirloom Estate, Transforming the Heart of Swan Hill Precinct, and the Swan Hill Bridge Replacement, with the primary projects of significance listed below.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the Swan Hill SA2?
Key infrastructure and planning changes likely to influence the Swan Hill SA2 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 Swan Hill SA2?
Infrastructure development impacting the Swan Hill SA2 spans multiple sectors including Transport & Logistics, Energy, and Residential Development, among others.
What is the scale of infrastructure investment impacting the Swan Hill SA2?
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 Swan Hill SA2 vicinity.
How does the Swan Hill SA2's infrastructure development compare to other areas?
Infrastructure development activity impacting the Swan Hill SA2 currently ranks below national averages at the 36thth percentile.
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 63.9%. 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 workforce in Swan Hill is evenly split between professional and manual occupations, with a strong presence of essential service workers and a very low unemployment rate of 1.6%. Jobholders numbered 5,422 in March 2026, while the local unemployment rate was 2.1% lower than the 3.7% recorded across Regional Vic. Participation in the labor market is close to the norm, standing at 63.9% compared to the regional average of 61.1%. Data from the Census indicates that only a minor share of the workforce (6.9%) performed their jobs from home, although this figure should be interpreted in the context of pandemic restrictions.

The primary sectors employing local residents are health care & social assistance, retail trade, and education & training. The region exhibits a strong concentration in agriculture, forestry & fishing, with its share of employment reaching 1.3 times the regional average. Conversely, public administration & safety is underrepresented, accounting for 5.1% of local jobs compared to 6.5% across the region. Although local employment is available, the ratio of Census workers to the locally employed population suggests that a significant number of residents travel to other areas for work. An examination of SALM and ABS figures by AreaSearch reveals that over the 12-month period, the local labor pool shrank by 3.5% and total employment fell by 2.1%, which drove the unemployment rate down by 1.4 percentage points. Over the same timeframe, Regional Vic. saw a 0.1% decrease in employment, a 0.3% drop in the labor force, and a 0.2 percentage point decline in unemployment. Additional guidance on future employment trends in Swan Hill can be found in the national workforce projections released by Jobs and Skills Australia in May-25. These estimates, spanning five and ten years, have been applied to local workforce data to project future growth. Nationally, employment is projected to rise by 6.6% over five years and 13.7% over ten years, though these growth rates vary by industry. Projecting these national sectoral rates onto the local job mix indicates that employment in Swan Hill would grow by 6.0% over five years and 12.8% over ten years, representing a basic weighted extrapolation for demonstration purposes that excludes local population forecasts.

Frequently Asked Questions - Employment

What is the employment situation in the Swan Hill SA2?
As of March 2026, the Swan Hill SA2 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 Swan Hill SA2's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the Swan Hill SA2 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 Swan Hill SA2?
The employment landscape in the Swan Hill SA2 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 Swan Hill SA2?
Over the past year to March 2026, the Swan Hill SA2 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 Swan Hill SA2?
The workforce participation rate in the Swan Hill SA2 is 63.9%, 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 Swan Hill SA2's employment market?
The swan hill sa2 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 Swan Hill SA2?
Based on Jobs and Skills Australia projections applied to the Swan Hill SA2'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 Swan Hill SA2 compare nationally?
The swan hill sa2'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 Swan Hill SA2?
Skilled workers will find good opportunities in the Swan Hill SA2, 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 $50,285 a year against an average of $60,839. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.

Detail

Based on the most recent taxpayer data from the ATO at the postcode level, released for the 2023 financial year, the median taxpayer income in the Swan Hill SA2 is $50,285, with a mean income of $60,839. These figures fall below the national benchmarks, and compare with a regional Victorian median of $50,954 and mean of $62,728. Adjusting these values for a 9.62% increase in the Wage Price Index since the 2023 financial year yields estimated current figures of approximately $55,122 for the median and $66,692 for the average as of March 2026.

The 2021 Census highlights that personal, family, and household incomes in Swan Hill are modest, placing between the 28th and 39th percentiles. Looking at how income is distributed, the largest single group contains 32.9% of residents (3,547 people) within the $1,500 - 2,999 bracket, resembling the regional pattern where 30.3% fall into this category. Housing costs are relatively manageable, leaving residents with 87.8% of their earnings, though disposable income is below the norm at the 32nd percentile.

Frequently Asked Questions - Income

What is the median taxable income in the Swan Hill SA2?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the Swan Hill SA2 is approximately $55,122. The official ATO data from FY-23 recorded a median of $50,285.
What is the average taxable income in the Swan Hill SA2?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the Swan Hill SA2 is approximately $66,692. The official ATO data from FY-23 recorded an average of $60,839.
How does the median taxable income in the Swan Hill SA2 compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the Swan Hill SA2 is approximately $55,122 compared to $55,856 in Regional Vic.. The official ATO data from FY-23 shows $50,285 and $50,954 respectively.
How does the average taxable income in the Swan Hill SA2 compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the Swan Hill SA2 is approximately $66,692 compared to $68,762 in Regional Vic.. The official ATO data from FY-23 shows $60,839 and $62,728 respectively.
What are the main income cohorts in the Swan Hill SA2 according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~32.9% / 3,547 persons) of the Swan Hill SA2's population is the $1,500 - 2,999 cohort.
How do the main income cohorts in the Swan Hill SA2 compare to the region?
The largest income cohort in the Swan Hill SA2 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 Swan Hill SA2 according to the 2021 Census?
The 2021 Census data indicates that the median household income in the Swan Hill SA2 is $1,390/wk.
What is the median family income in the Swan Hill SA2 according to the 2021 Census?
According to the 2021 Census, the median family income in the Swan Hill SA2 is $1,802/wk.
What is the median personal income in the Swan Hill SA2 according to the 2021 Census?
The 2021 Census shows that the median personal income in the Swan Hill SA2 is $754/wk.
How does the Swan Hill SA2's income rank nationally?
AreaSearch's latest postcode level ATO data for FY-23 reveals that income in the Swan Hill SA2 is below the national average, with the median assessed at $50,285 while the average income stands at $60,839. This contrasts to Regional Vic.'s figures of a median income of $50,954 and an average income of $62,728. Based on Wage Price Index growth of 9.62% since FY-23, current estimates would be approximately $55,122 (median) and $66,692 (average) as of March 2026.
What is the disposable income in the Swan Hill SA2?
The estimated disposable income in the Swan Hill SA2 is $5,286 per year according to AreaSearch analysis.
How does the Swan Hill SA2's disposable income compare to the region?
The swan hill sa2'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, the housing mix in Swan Hill consisted of 83.1% detached houses and 16.9% alternative structures like townhouses and apartments, differing from the Regional Vic. breakdown of 90.1% houses and 9.9% alternative dwellings. The level of home ownership in Swan Hill was lower than the regional Victorian average, standing at 36.2%, while the remaining homes were occupied by residents with a mortgage (31.1%) or renters (32.7%). The median mortgage payment in the area was lower than the regional Victorian average at $1,300 per month, and the median weekly rent was $235, compared to $1,430 and $285 across Regional Vic.

On a national scale, mortgage repayments in Swan Hill are much lower than the Australian median of $1,863, and rent prices are also significantly below the national average of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the Swan Hill SA2?
In the Swan Hill SA2, 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 Swan Hill SA2 are houses?
According to the latest data, 83.1% of dwellings in the Swan Hill SA2 are houses.
What percentage of dwellings in the Swan Hill SA2 are apartments or units?
In the Swan Hill SA2, 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 Swan Hill SA2?
Outright home ownership in the Swan Hill SA2 stands at 36.2%, compared to 40.9% in Regional Vic..
What is the median monthly mortgage repayment in the Swan Hill SA2?
The median monthly mortgage repayment in the Swan Hill SA2 is $1,300, compared to $1,430 in Regional Vic..
What is the median weekly rent in the Swan Hill SA2?
The median weekly rent in the Swan Hill SA2 is $235, compared to $285 in Regional Vic..
What is the distribution of rental prices in the Swan Hill SA2?
In the Swan Hill SA2, 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 Swan Hill SA2?
The aggregate monthly housing cost in the Swan Hill SA2 is $737, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the Swan Hill SA2?
In the Swan Hill SA2, 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 Swan Hill SA2?
The average persons per bedroom ratio in the Swan Hill SA2 is 0.8, indicating the level of household density.
How does housing affordability in the Swan Hill SA2 compare to the region?
Housing affordability in the Swan Hill SA2 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 Swan Hill SA2?
The dwelling mix in the Swan Hill SA2 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 Swan Hill SA2?
Considering the housing occupancy patterns, 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 Swan Hill SA2 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 Swan Hill SA2?
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 living arrangements, with single person households accounting for 30.6% and shared group households making up 3.4%. The median household size of 2.3 residents is slightly below the Regional Vic. average of 2.4.

Frequently Asked Questions - Households

How many households are in the Swan Hill SA2?
As of the 2021 Census, the Swan Hill SA2 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 Swan Hill SA2 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 Swan Hill SA2 compare to regional household patterns?
Compared to Regional Vic., the Swan Hill SA2 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 Swan Hill SA2 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 Swan Hill SA2?
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 Swan Hill SA2, 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 in the area is relatively low, with university graduation rates of 16.4% sitting far below the Victorian state average of 33.4%. This highlights a clear deficit as well as a target for focused educational programs. Among degree holders, 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 skills are highly prevalent, with 36.8% of residents aged 15 and over holding vocational qualifications, split between advanced diplomas at 10.3% and certificates at 26.5%. Enrolment levels in education are quite high, with 27.5% of the local population currently engaged in study.

This group is composed of 10.7% in primary school, 7.5% in high school, and 2.4% enrolled in higher education.

Frequently Asked Questions - Education

What percentage of people in the Swan Hill SA2 have university qualifications?
16.4% of people aged 15 and over in the Swan Hill SA2 have university qualifications, compared to 21.7% in the broader region.
What percentage of people in the Swan Hill SA2 have no formal qualifications?
46.8% of people aged 15 and over in the Swan Hill SA2 have no formal qualifications, compared to 40.4% regionally.
How does the Swan Hill SA2's education level compare to national averages?
The swan hill sa2 ranks in the 30th percentile nationally for education based on AreaSearch's analysis of qualification and performance metrics.
What types of qualifications are most common in the Swan Hill SA2?
The most common qualifications in the Swan Hill SA2 are: Certificate (26.5%), Bachelor Degree (11.7%), Advanced Diploma (10.3%).
What proportion of the Swan Hill SA2's population is currently attending educational institutions?
27.5% of the population in the Swan Hill SA2 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 Swan Hill SA2?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the Swan Hill SA2 is 969, indicating below-average socio-educational advantage compared to the national average of 1000.
How many schools are located within the Swan Hill SA2?
There are 10 schools within the Swan Hill SA2, with a combined enrollment of approximately 2,710 students.
What types of schools are available in the Swan Hill SA2?
The swan hill sa2 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 assessment of transit options shows 56 active public transport stops in Swan Hill, consisting of train and bus services. These stops are served by 16 distinct routes, which provide 367 passenger trips each week. Access to transport is good, with residents living an average of 233 meters from their nearest stop. Because Swan Hill is mostly residential, the majority of workers travel out of the area for work, with private vehicles being the primary mode of travel for 92% of commuters, while 6% walk. The average number of motor vehicles per household is 1.4.

A low proportion of residents (6.9%) worked from home, according to 2021 Census data, which may reflect the influence of pandemic restrictions. Across all transit routes, service frequency averages 52 trips per day, which equates to roughly 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 Swan Hill SA2.
How frequent are the transport services in Swan Hill?
the Swan Hill SA2 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, a less healthy profile than 76% of areas nationally. 6.6% need daily assistance with core activities, and 49.2% hold private health cover. The standardised death rate runs at 7.1 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

An evaluation of death rates and chronic illness frequency by AreaSearch reveals that Swan Hill faces notable health issues. Common medical conditions are prevalent across both younger and older generations, while the proportion of the population with private health insurance is relatively low at roughly 49% (~5,305 people), compared to the national average of 55.7%. The most prevalent health issues identified locally are arthritis and asthma, which affect 9.7% and 9.7% of the population, respectively. Meanwhile, 65.5% of residents reported having no long-term medical conditions, compared to 63.4% across Regional Vic.

Chronic illness rates among the working-age population are higher than average. The share of residents aged 65 and over is 20.6% (2,224 people), which is lower than the Regional Vic. figure of 23.9%, though national health rankings for this cohort are even higher than the general population.

Frequently Asked Questions - Health

How many people in the Swan Hill SA2 have private health insurance?
Around 49.2% of people in the Swan Hill SA2 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 Swan Hill SA2?
In the Swan Hill SA2, 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 Swan Hill SA2?
9.7% of people in the Swan Hill SA2 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 Swan Hill SA2?
Diabetes affects 4.5% of the the Swan Hill SA2 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 Swan Hill SA2?
4.1% of people in the Swan Hill SA2 have heart disease. Across the region of Regional Vic., 4.4% of the population is affected by heart disease.
How does the Swan Hill SA2 compare to the region in terms of overall private health coverage?
In the Swan Hill SA2, 49.2% 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

Swan Hill has a lower level of cultural diversity than the national 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 statistical divergence is in the Other religious category, which accounts for 1.9% of the population compared to 0.8% across Regional Vic. Looking at ancestral backgrounds, the three largest groups in Swan Hill are Australian at 30.2%, English at 29.2%, and Irish at 9.3%.

There are also notable differences in the representation of other ethnic origins, with Italian ancestry overrepresented at 4.7% of the population compared to 2.9% across the region, Vietnamese at 1.0% compared to 0.2%, and Australian Aboriginal at 2.9% compared to 1.4% regionally.

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the Swan Hill SA2?
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 Swan Hill SA2?
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 Swan Hill SA2?
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 Swan Hill SA2 population was born overseas, compared to 13.2% regionally.
What percentage of the the Swan Hill SA2 population speaks a language other than English at home?
13.2% of the population in the Swan Hill SA2 speaks a language other than English at home, compared to 7.6% in the wider region.
How many people in the Swan Hill SA2 identify as Australian Aboriginal?
2.9% of the the Swan Hill SA2 population identifies as Australian Aboriginal, compared to 1.4% in the region.
What is the citizenship status of the population in the Swan Hill SA2?
85.1% of the the Swan Hill SA2 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

Swan Hill's median age is 38, matching the Australian average but sitting below the Regional Vic. figure of 43. The 25 - 34 age bracket is well represented at 15.7% of the population relative to regional averages, whereas the 65 - 74 bracket is less common at 9.6%. Since the 2021 Census, the proportion of residents aged 25 to 34 has increased from 14.7% to 15.7%, while the 45 to 54 bracket decreased from 10.1% to 9.3%. Population forecasts indicate that the age profile of Swan Hill will undergo notable changes by 2041.

The 45 to 54 age cohort is projected to grow by 11% (110 people), increasing from 1,003 to 1,114. The aging trend is pronounced, with residents aged 65 and over accounting for 58% of the projected population growth. Conversely, the cohorts aged 0 to 4 and 25 to 34 are expected to decrease in size.

Frequently Asked Questions - Age

What is the median age in the Swan Hill SA2?
According to the latest data, the median age in the Swan Hill SA2 is 38 years.
How does the Swan Hill SA2'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 Swan Hill SA2?
The most over-represented age group in the Swan Hill SA2 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 Swan Hill SA2?
The most under-represented age group in the Swan Hill SA2 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 Swan Hill SA2 show significant variance compared to the Regional Vic. region. The most over-represented age group is 25-34 year-olds (15.7% vs 11.2%).
What is the percentage of children (0-14 years) in the Swan Hill SA2?
The percentage of children aged 0-14 years in the Swan Hill SA2 is 19.8%.
What is the percentage of older people (65+ years) in the Swan Hill SA2?
The percentage of people aged 65 and over in the Swan Hill SA2 is 20.6%.

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 SA2 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 (215031404). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.

Common questions about this page

Why can the Swan Hill SA2 boundary differ from the suburb boundary?
This page uses ABS Statistical Area Level 2 (SA2) boundaries for statistical reporting (e.g., census and ERP). SA2 areas can differ materially from Suburbs and Localities (SAL) boundaries, even when they share similar names, because they are defined for different purposes and often use different geographic boundaries.
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