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ABS 2021 Census · Updated 21 May 2026
Toorloo Arm is a regional centre in Victoria, Australia, with a population of approximately 509, making it a boutique locality. Located approximately 272 km from the Melbourne CBD, Toorloo Arm is a regional area in Victoria. The median household income is $68,484 per year.
Lower income levels in Toorloo Arm typically translate to more affordable entry points for investors. As a regional location, growth prospects depend on local economic conditions and infrastructure investment.
Official Australia Post postcode for Toorloo Arm. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Toorloo Arm on My School →Estimated 1 park and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Toorloo Arm is a smaller community of 509 — about 7% of the Victoria suburb median (7,416) — so investors should factor in the narrower buyer pool and longer average time-on-market. Toorloo Arm's median household income of $68,484/year is 28% below the Victoria suburb median ($95,160) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Median rent of $170/week (~$737/month) covers only 54% of the median mortgage of $1,372/month — the remaining $635/month must be funded from other income, so this suburb tilts toward capital growth rather than yield. Toorloo Arm is 272 km from Melbourne, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
How Toorloo Arm stacks up against the median of all Victoria suburbs in our dataset. Positive values mean Toorloo Arm sits above the state median; negative means below.
| Metric | Toorloo Arm | VIC median | Δ vs state |
|---|---|---|---|
| Population | 509 | 7,416 | -93% |
| Median household income | $68,484/yr | $95,160/yr | -28% |
| Median rent (weekly) | $170 | $380 | -55% |
| Median mortgage (monthly) | $1,372 | $1,950 | -30% |
| Distance to CBD | 272 km | 32 km | +750% |
| Separate houses | 78% | 78% | 0pp |
Pre-inspection briefing for Toorloo Arm — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 509 means liquidity is thin and capital growth tends to lag the wider Victoria market over full cycles.
Weak cash flow: $170/week rent covers only 54% of the $1,372/month median mortgage — a $635/month gap that must be funded from other income. This suburb is a capital-growth play, not a yield play.
With 78% houses in a 509-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Run the numbers on a Toorloo Arm property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Toorloo Arm are modest for 2026 — incomes 28% below the VIC median of $95,160 and a population of 509 suggest gains will lag headline metro markets. Rental coverage runs at ~54% of the typical mortgage ($737/month rent vs $1,372/month repayment), meaning investors will rely on capital growth rather than yield. The EquitySight investment score of 32/100 places Toorloo Arm in the lower tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Toorloo Arm scores 32/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 509, median household income of $68,484/year and median weekly rent of $170. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Toorloo Arm are a median household income of $68,484/year, a dwelling mix that is 78% separate houses, roughly 1 schools and 1 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Toorloo Arm has a usual resident population of approximately 509, 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.
Toorloo Arm sits 272 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.
The most recent census recorded a median weekly rent of $170 in Toorloo Arm, equating to approximately $8,840/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.
The median monthly mortgage repayment in Toorloo Arm is $1,372, or approximately $16,464/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.
A median weekly rent of $170 works out to $737/month, covering 54% of the median mortgage repayment of $1,372/month. That leaves a $635/month shortfall (around $7,620/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.
The main risks are a thin buyer pool (509 residents), interest-rate sensitivity on the $1,372 median mortgage, below-median household incomes ($68,484 vs $95,160 state median), the broader Victoria market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.