Suburb Overview
Middle Tarwin is a regional centre in Victoria, Australia, with a population of approximately 91, making it a boutique locality. Located approximately 127 km from the Melbourne CBD, Middle Tarwin is a regional area in Victoria. The median household income is $100,724 per year.
Location
Key Indicators
Postcode
3956
Postcode for Middle Tarwin, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
91
Usual resident population at the most recent census.
Median weekly rent
$180/wk
Median weekly rent recorded at the 2021 Census — market rents have risen since, so treat this as a dated baseline, not a current figure.
Median household income
$100,724
Annual median household income (before tax) across all households.
Distance to CBD
127 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Housing
Median monthly mortgage
$1,625/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
85% houses
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Investment Insight
Middle Tarwin is a smaller community of 91 — about 1% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Households here earn $100,724/year on average — 6% above the VIC suburb median of $95,160 — a modest premium that supports resilient owner-occupier demand. At the 2021 Census, weekly rent of $180 covered just 48% of the $1,625/month median mortgage recorded at the same Census, a $845/month gap at the time — verify current rents and repayments before pursuing this suburb, and only with a clear capital-growth thesis. Middle Tarwin is 127 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Middle Tarwin vs Victoria Median
How Middle Tarwin stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Middle Tarwin sits above the state median; negative means below.
| Metric | Middle Tarwin | VIC median | Δ vs state |
|---|---|---|---|
| Population | 91 | 7,416 | -99% |
| Median household income | $100,724/yr | $95,160/yr | +6% |
| Median rent (weekly, 2021 Census) | $180 | $380 | -53% |
| Median mortgage (monthly, 2021 Census) | $1,625 | $1,950 | -17% |
| Distance to CBD | 127 km | 32 km | +297% |
| Separate houses | 85% | 78% | +7pp |
Investor Checklist
Pre-inspection briefing for Middle Tarwin — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 91 residents — 1% of the VIC suburb median (7,416).
- Purchasing power: median household income $100,724/year (+6% vs Victoria suburb median of $95,160).
- Cash-flow coverage (2021 Census): $180/week rent (≈ $780/month) covered ~48% of the $1,625/month median mortgage at the 2021 Census — verify against current rents and rates.
- CBD access: 127 km straight-line from Melbourne (state suburb median 32 km).
- Dwelling mix: 85% separate houses — house-dominant market (vs 78% state median).
- Rate stress-test: budget ~$163/month extra for a 1-percentage-point RBA rate rise on top of the $1,625/month median repayment.
- Tenant rent burden: 9% of the median household income is spent on rent — comfortably affordable.
Investment Strategy
Limited buy-and-hold upside: a small population of 91 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Weak cash flow at the 2021 Census: $180/week rent covered only 48% of the $1,625/month median mortgage — a $845/month gap funded from other income. On the Census snapshot this reads as a capital-growth play, not a yield play; verify current rents before deciding.
With 85% houses in a 91-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Risk Factors
- Interest-rate sensitivity: the $1,625/month median mortgage in Middle Tarwin means a 1-percentage-point RBA rate rise could add roughly $163/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Liquidity risk: with 91 residents, Middle Tarwin has a thinner pool of buyers and tenants than larger suburbs. Expect longer days-on-market on resale and budget for potential vacancy gaps between tenancies.
- Commute distance: at 127 km from the nearest CBD, Middle Tarwin depends on local employment rather than city-driven commuter demand, which amplifies the market's sensitivity to regional industry slowdowns.
- House-dominant stock: 85% of dwellings are separate houses, so value is concentrated in land — weather events, insurance repricing and land-tax changes hit investors here more directly than in a unit-heavy suburb.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Middle Tarwin regardless of local market conditions.
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Start your first-home journey →2026 Outlook
Capital-growth expectations for Middle Tarwin are modest for 2026 — incomes 6% above the VIC median of $95,160 and a population of 91 suggest gains will lag headline metro markets. At the 2021 Census, rental coverage ran at ~48% of the typical mortgage ($780/month rent vs $1,625/month repayment), meaning investors will rely on capital growth rather than yield. Verify against current rents and rates. Overall investor sentiment for Middle Tarwin is cautious heading into the second half of 2026, based on its income, rent and mortgage profile relative to the Victoria median.
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Frequently Asked Questions
Is Middle Tarwin a good suburb for investment?
Whether Middle Tarwin suits you depends on your strategy, but the fundamentals are concrete: a population of 91, a median household income of $100,724/year and median weekly rent of $180. Weigh those against your goal — cash flow, capital growth, or a value-add renovation — each of which we break down with suburb-specific ABS numbers elsewhere on this page.
What drives property demand in Middle Tarwin?
The main demand drivers in Middle Tarwin are an above-state-median household income of $100,724/year, a dwelling mix that is 85% separate houses. Together these shape both owner-occupier and tenant demand.
What is the population of Middle Tarwin?
Middle Tarwin has a usual resident population of approximately 91, compared with a Victoria suburb median of 7,416 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
How far is Middle Tarwin from the Melbourne CBD?
Middle Tarwin sits 127 km straight-line from the Melbourne CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
What is the median rent in Middle Tarwin?
The most recent census recorded a median weekly rent of $180 in Middle Tarwin, equating to approximately $9,360/year in gross rental income (state median $380/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
What is the typical mortgage repayment in Middle Tarwin?
The median monthly mortgage repayment in Middle Tarwin is $1,625, or approximately $19,500/year (vs $1,950/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
Is Middle Tarwin cash-flow positive for investors?
A median weekly rent of $180 works out to $780/month, covering 48% of the median mortgage repayment of $1,625/month. That leaves a $845/month shortfall (around $10,140/year before tax benefits), so a typical owner-occupier-priced property here is negatively geared. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
What are the main risks of investing in Middle Tarwin?
The main risks are a thin buyer pool (91 residents), interest-rate sensitivity on the $1,625 median mortgage, the broader Victoria market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
How we built this Middle Tarwin profile
The population, postcode, median household income, and dwelling mix on this page are real figures from the ABS 2021 Census (income is the ABS median weekly household income annualised) and Australia Post. Distance to the CBD is calculated from the suburb's ABS centroid. The Census median rent and mortgage repayment are 2021 figures and are clearly labelled as such wherever they appear — they are five years old and have moved substantially since. We do not publish an investment score or school/park counts for this suburb. See our methodology and data sources for exactly what's measured and what's estimated.