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Suburb Insights ยท VIC 3585

Swan Hill 3585, Victoria

ABS 2021 Census ยท Updated 31 March 2026

Suburb Overview

Swan Hill is a regional centre in Victoria, Australia, with a population of approximately 11,186, making it a smaller community. Located approximately 302 km from the Melbourne CBD, Swan Hill is a regional area in Victoria. The median household income is $72,280 AUD per year (ABS 2021 Census).

Investment Score

44 / 100 Moderate

Swan Hill has a solid income profile that supports reliable occupancy rates. Distance from major centres is a consideration, though regional markets can offer higher rental yields.

Location

Map shows Swan Hill, Victoria, Australia.

Key Indicators

Postcode
3585

Official Australia Post postcode for Swan Hill. A postcode may cover multiple suburbs.

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Population
11,186

Usual resident population at census night. Source: ABS 2021 Census of Population and Housing.

ABS Census Data โ†’
Median Rent (weekly)
$235/wk

Weekly median rent for occupied private dwellings. Source: ABS 2021 Census. Live rental data integration coming soon.

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Median Household Income
$72,280/yr

Annual median household income (before tax) for all households. Source: ABS 2021 Census.

ABS Census Data โ†’
Distance to CBD
302 km

Straight-line distance from the suburb centroid (ABS 2021 SAL geography) to the nearest capital city CBD. Actual driving distance will be longer.

Lifestyle & Amenities

Schools nearby
3

Estimated 3 schools within or near this suburb based on ABS 2021 data.

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Parks & green spaces
4

Estimated 4 parks and green spaces near this suburb. Source: ABS 2021 data.

Median Mortgage (monthly)
$1,300/mo

Monthly median mortgage repayment for households currently paying off a mortgage. Source: ABS 2021 Census.

ABS Census Data โ†’
Dwelling Type
76% houses

Proportion of separate houses vs units, townhouses, and other dwelling types. Source: ABS 2021 Census. Relevant for investors assessing rental demand mix.

ABS Census Data โ†’

Investment Insight

As a regional centre, Swan Hill serves a wide catchment area. Regional property can offer higher rental yields than metro equivalents, though investors should assess local employment diversity and infrastructure plans. The median rent of $235/week (ABS 2021) indicates an affordable rental market. Owner-occupiers face a median mortgage repayment of $1,300/month. 76% of dwellings are separate houses, indicating a predominantly family-oriented, land-rich market.

Investment Strategy

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Buy & Hold

Swan Hill offers moderate buy-and-hold potential โ€” look for properties with value-add opportunities.

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Rental Yield

Achieving strong cash flow in Swan Hill is challenging at current rent-to-price ratios.

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Renovation / Flip

The resale market in Swan Hill may not support quick-turnaround renovation projects.

Risk Factors

Run the numbers on a Swan Hill property

Full Property Analysis

30-year projections for Swan Hill

Scenario comparison, cash flow analysis, tax modelling, and PDF export โ€” all in one place.

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2026 Outlook

Growth: Low Rental Demand: Moderate Investor Sentiment: Low

Swan Hill faces a cautious growth outlook for 2026 โ€” investors should focus on yield rather than short-term gains. The rental market in Swan Hill should see steady occupancy, with moderate upward pressure on rents. Sentiment is subdued, though improving local conditions could shift perceptions over time.

Frequently Asked Questions

Is Swan Hill a good suburb for investment?

Swan Hill is a regional area in Victoria with a population of 11,186. The median rent is $235/week and the median household income is $72,280/year (ABS 2021 Census). As with any property investment, conduct thorough due diligence on current listings, vacancy rates, and local infrastructure plans before committing.

What drives property demand in Swan Hill?

Key demand drivers in Swan Hill include regional employment hubs, lifestyle, and affordability. 76% of dwellings are separate houses. The area has approximately 3 schools and 4 parks nearby.

What is the population of Swan Hill?

According to the ABS 2021 Census, Swan Hill has a population of approximately 11,186. For historical population trends and intercensal estimates, visit the ABS Census Data Explorer at abs.gov.au.

How far is Swan Hill from the Melbourne CBD?

Swan Hill is approximately 302 km straight-line distance from the Melbourne CBD (calculated from ABS 2021 suburb centroid coordinates). As a regional or remote location, travel to the capital is significant โ€” local amenities and employment are important investment considerations.

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