Suburb Overview
Swan Hill West is a regional centre in Victoria, Australia, with a population of approximately 11, making it a boutique locality. Located approximately 306 km from the Melbourne CBD, Swan Hill West is a regional area in Victoria. The median household income is $247,000 per year.
Location
Key Indicators
Postcode
3585
Postcode for Swan Hill West, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
11
Usual resident population at the most recent census.
Median weekly rent
N/A
A current median rent has not been published for this suburb.
Median household income
$247,000
Annual median household income (before tax) across all households.
Distance to CBD
306 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Housing
Median monthly mortgage
$1,733/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
N/A
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Investment Insight
Swan Hill West is a smaller community of 11 — about 0% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $247,000/year runs 160% above the Victoria suburb median of $95,160, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Swan Hill West is 306 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Swan Hill West vs Victoria Median
How Swan Hill West stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Swan Hill West sits above the state median; negative means below.
| Metric | Swan Hill West | VIC median | Δ vs state |
|---|---|---|---|
| Population | 11 | 7,416 | -100% |
| Median household income | $247,000/yr | $95,160/yr | +160% |
| Median mortgage (monthly, 2021 Census) | $1,733 | $1,950 | -11% |
| Distance to CBD | 306 km | 32 km | +856% |
Investor Checklist
Pre-inspection briefing for Swan Hill West — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 11 residents — 0% of the VIC suburb median (7,416).
- Purchasing power: median household income $247,000/year (+160% vs Victoria suburb median of $95,160).
- Gross rental income: verify via realestate.com.au — median rent data was not captured for this suburb.
- CBD access: 306 km straight-line from Melbourne (state suburb median 32 km).
- Home mix: the housing-type split was not captured — verify on the ground.
- Rate stress-test: budget ~$173/month extra for a 1-percentage-point RBA rate rise on top of the $1,733/month median repayment.
- Tenant rent burden: rent-to-income data not available — verify against state rental tribunal dashboards.
Investment Strategy
Limited buy-and-hold upside: a small population of 11 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Median rental data was not captured for Swan Hill West. Use current realestate.com.au and Domain listings to triangulate a realistic weekly rent before committing, then feed that number into our rental yield calculator.
With a population of 11, the resale market in Swan Hill West may not reliably reward cosmetic renovations — a longer hold is typically a better strategy at this scale, letting land-value appreciation do the work instead.
Risk Factors
- Interest-rate sensitivity: the $1,733/month median mortgage in Swan Hill West means a 1-percentage-point RBA rate rise could add roughly $173/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Premium-pricing risk: incomes 160% above the Victoria median ($247,000 vs $95,160) correlate with elevated purchase prices and compressed gross yields — enter only with a clear capital-growth thesis and a comfortable deposit.
- Liquidity risk: with 11 residents, Swan Hill West 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 306 km from the nearest CBD, Swan Hill West depends on local employment rather than city-driven commuter demand, which amplifies the market's sensitivity to regional industry slowdowns.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Swan Hill West regardless of local market conditions.
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Start your first-home journey →2026 Outlook
Capital-growth expectations for Swan Hill West are modest for 2026 — incomes 160% above the VIC median of $95,160 and a population of 11 suggest gains will lag headline metro markets. Rental fundamentals will need to be verified against live listings, as a clean median rent was not recorded for Swan Hill West. Overall investor sentiment for Swan Hill West is balanced 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 Swan Hill West a good suburb for investment?
Whether Swan Hill West suits you depends on your strategy, but the fundamentals are concrete: a population of 11, a median household income of $247,000/year. 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 Swan Hill West?
The main demand drivers in Swan Hill West are an above-state-median household income of $247,000/year. Together these shape both owner-occupier and tenant demand.
What is the population of Swan Hill West?
Swan Hill West has a usual resident population of approximately 11, 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 Swan Hill West from the Melbourne CBD?
Swan Hill West sits 306 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 Swan Hill West?
A reliable median rent was not captured for Swan Hill West. Benchmark expected weekly rent on realestate.com.au and Domain, or the state rental tribunal's rent dashboard. Most Australian investors target a 4–5% gross yield as a baseline.
What is the typical mortgage repayment in Swan Hill West?
The median monthly mortgage repayment in Swan Hill West is $1,733, or approximately $20,796/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 Swan Hill West cash-flow positive for investors?
Census data was not complete enough in Swan Hill West to compute a clean rent-to-mortgage coverage. Use current listings to benchmark weekly rent, then plug your expected purchase price into our rental yield calculator to see whether the investment runs cash-flow positive or negative.
What are the main risks of investing in Swan Hill West?
The main risks are a thin buyer pool (11 residents), interest-rate sensitivity on the $1,733 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 Swan Hill West 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.