SWAN HILL
Investor score
49
Liveability score
40
Vacancy rate is a modelled estimate. Price, rent and annual growth use real government data (see source labels on each card). This is not financial advice. See full disclaimer.
Median price
Real$500,000
VIC Gov · 2025
Rent yield
Real4.3%
computed from govt data
Annual growth
Real7.2%
annualised from govt data
Vacancy rate
Est.2.6%
modelled estimate
AI insights for SWAN HILL
Investment analysis, risks & comparisons
SWAN HILL shows strong investment fundamentals with above-average rental demand and a tightening supply pipeline. The gentrification index of 67/100 signals continued capital appreciation potential, particularly within 600m of the main retail and transit corridor.
Key risk: elevated auction clearance volatility over the past two quarters suggests shifting buyer sentiment. Net yield after typical holding costs sits at approximately 3.6%, below the state median of 4.1% — factor this into cash-flow modelling.
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Median rent
$413/wk
DFFH Moving Annual Rent · Sep 2025
Demand change
+0.7%
annual shift
Yield × growth index
5.8
combined signal
Net yield (est.)
6.00%
after mgmt, rates, insurance, maintenance
5-yr growth (CAGR)
+9.4%
est. compound, long-run avg
10-yr growth (CAGR)
+6.1%
est. compound, long-run avg
Rental demand
43 / 100
Moderate demand
Supply pipeline
Real1.0%
new dwellings approved / stock · ABS 2024-25
Low supply pressure
5-year price history
Source: VIC Gov · 2025 · all sources
Market overview
SWAN HILL is a VIC suburb offering moderate rental yield and strong price growth. The local economy supports a stable rental base, with ongoing demand from owner-occupiers and investors seeking value outside capital cities.
Highlights
- Rental yield 4.3% with stable tenant demand
- High annual growth of 7.2% — outperforming state average
- Access to national transport network and amenities
Risk factors
- Subject to broader interest rate and economic conditions
Community profile
Source: ABS Census 2021 · ATO 2022–23Median household income
$1,394/wk
$37k taxable p.a.
Renters
31.4%
65.1% owner-occupier
Median age
38.0 yrs
Unemployment
3.7%
Population growth
+0.6% p.a.
Investor-owned
11.0%
of all dwellings (ATO)
Houses
89%
6% apartments
Degree qualified
28.4%
bachelor's or higher (ABS)
Work from home
18.0%
of employed residents (ABS Census)
Median lot size
3.0 ha
Large block
Household size
2.7 persons
avg per dwelling (ABS Census)
Short-term rental
0.9%
Mostly long-term tenants
Market activity
Distance to CBD
310.2 km
Regional
Days on market
74 days
Slower market
Auction clearance
39.5%
Buyer's market
Walkability
0 / 100
Car-dependent
Coastal proximity
304.6 km
Inland
NBN technology
FTTNStandard — fibre to node
Population density
55/km²
Rural / semi-rural
Schools in postcode 3585
🏫Primary (4)
Catholic · Yrs Prep-6 · Outer Regional
Independent · Yrs Prep-6 · Outer Regional
Government · Yrs Prep-6 · Outer Regional
Swan Hill North Primary School
Government · Yrs Prep-6 · Outer Regional
🎓Secondary (2)
Catholic · Yrs 7-12 · Outer Regional
Government · Yrs 7-12 · Outer Regional
⭐Special (1)
Government · Yrs U · Outer Regional
ICSEA measures the socio-educational background of each school's student community — not academic results or school quality. National average = 1000. Source: ACARA My School 2025.
Liveability & safety
Safety index
Safe3.0 offences / 100 persons
Source: VIC Crime Statistics Agency · Dec 2025
School quality
Average7 schools in postcode area
Source: ACARA My School 2025
Transit access
Car-dependentSource: State GTFS feeds
Gentrification signal
22
/ 100
Established suburb with stable demographics. Consistent demand but lower gentrification upside.
Composite: education premium · youth cohort · rental activity · price gap · transit quality
Environmental risk
Flood risk
Source: State GIS flood zone data
Bushfire risk
Source: CFA / RFS / DFES zone data
Storm risk
Coastal exposure + state climate
Live suburb intelligence
Fetching live data…Location
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