Bannerton vs Tol Tol

Bannerton is the younger of the two, with a median age of 32 against 35 in Tol Tol. In both, most households own their home, the large majority of homes are detached houses, and most households are couple families. On these figures, Bannerton tends to suit people living alone, while Tol Tol suits couples.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Tol Tol

ahead on 2 of the 6 things we measure here

  • carries lower crime risk (63/100 vs 82/100)
  • is already more of a family suburb (81% vs 62%)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Tol Tol

ahead on the one thing that separates them

  • leaves households under less mortgage stress (11% vs 29%)

Weighs mortgage stress.

Renters

Bannerton

ahead on 2 of the 3 things we measure here

  • has a bigger rental market to choose from (40% vs 27%)
  • has cheaper rent ($230/wk vs $260/wk)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Bannerton

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (308 min vs 325 min)
  • sits closer to the CBD (448.5 km vs 463.9 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

one each way, out of the 5 things we measure here

  • Bannerton has more residents already 65 and over (13% vs 6%)
  • Tol Tol carries lower crime risk (63/100 vs 82/100)

Weighs smaller dwellings, who already lives there, GPs, walkability, and crime.

Investors

Bannerton

ahead on the one thing that separates them

  • is growing faster (95.0% vs 23.2%)

Weighs population growth.

Where they sit

Bannerton and Tol Tol drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Bannerton Tol Tol
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Bannerton Tol Tol
Walkability 0 / 0
Bannerton — Walkability: 0/100 Tol Tol — Walkability: 0/100
Safety 18 / 37
Bannerton — Safety: 18/100 Tol Tol — Safety: 37/100
Low fire risk 83 / 83
Bannerton — Low fire risk: 83/100 Tol Tol — Low fire risk: 83/100
Low flood risk 83 / 17
Bannerton — Low flood risk: 83/100 Tol Tol — Low flood risk: 17/100

Demographics

Tol Tol has more residents (175 vs 78); Tol Tol has higher household incomes ($111,592 vs $71,500).

Bannerton Tol Tol
Population 78 175
+124% vs other
Population trend (2016 → 2021) +95.0% +23.2%
Median age 32 35
Median household income $71,500/yr $111,592/yr
+56% vs other
Median weekly rent $230/wk $260/wk
+13% vs other

Age profile

Share of residents in each band, 2021 Census.

Bannerton Tol Tol
0-4 10.3% / 8.0%
Bannerton — 0-4: 10.3% Tol Tol — 0-4: 8.0%
5-14 12.8% / 17.7%
Bannerton — 5-14: 12.8% Tol Tol — 5-14: 17.7%
15-19 6.4% / 7.4%
Bannerton — 15-19: 6.4% Tol Tol — 15-19: 7.4%
20-24 5.1% / 6.3%
Bannerton — 20-24: 5.1% Tol Tol — 20-24: 6.3%
25-34 21.8% / 16.0%
Bannerton — 25-34: 21.8% Tol Tol — 25-34: 16.0%
35-44 19.2% / 18.9%
Bannerton — 35-44: 19.2% Tol Tol — 35-44: 18.9%
45-54 3.8% / 9.7%
Bannerton — 45-54: 3.8% Tol Tol — 45-54: 9.7%
55-64 10.3% / 12.0%
Bannerton — 55-64: 10.3% Tol Tol — 55-64: 12.0%
65-74 5.1% / 5.7%
Bannerton — 65-74: 5.1% Tol Tol — 65-74: 5.7%
75-84 7.7% / —
Bannerton — 75-84: 7.7% Tol Tol — 75-84: not among its largest
85+ — / —
Bannerton — 85+: not among its largest Tol Tol — 85+: not among its largest

Bars are drawn against the largest share shown (21.8%).

Who lives together

Household composition, 2021 Census.

Bannerton 62.5% couple families
Bannerton — Couple Families: 62.5% Bannerton — Lone Person: 37.5% Bannerton — Group Household: 0.0%
Tol Tol 81.1% couple families
Tol Tol — Couple Families: 81.1% Tol Tol — Lone Person: 10.8% Tol Tol — Group Household: 8.1%
Couple Families Lone Person Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Bannerton 40.0% renting
Bannerton — Owned Outright: 60.0% Bannerton — Mortgage: 0.0% Bannerton — Renting: 40.0%
Tol Tol 26.8% renting
Tol Tol — Owned Outright: 43.9% Tol Tol — Mortgage: 29.3% Tol Tol — Renting: 26.8%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Bannerton Tol Tol
Certificate III & IV 19.2% / 12.6%
Bannerton — Certificate III & IV: 19.2% Tol Tol — Certificate III & IV: 12.6%
Advanced Diploma / Diploma 7.7% / 5.1%
Bannerton — Advanced Diploma / Diploma: 7.7% Tol Tol — Advanced Diploma / Diploma: 5.1%
Bachelor Degree — / 4.6%
Bannerton — Bachelor Degree: not among its largest Tol Tol — Bachelor Degree: 4.6%
Graduate Diploma / Certificate — / 1.7%
Bannerton — Graduate Diploma / Certificate: not among its largest Tol Tol — Graduate Diploma / Certificate: 1.7%

Bars are drawn against the largest share shown (19.2%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Bannerton Tol Tol
Malaysia 3.8% / 14.9%
Bannerton — Malaysia: 3.8% Tol Tol — Malaysia: 14.9%
New Zealand 5.1% / —
Bannerton — New Zealand: 5.1% Tol Tol — New Zealand: not among its largest
India — / 2.9%
Bannerton — India: not among its largest Tol Tol — India: 2.9%
Thailand — / 1.7%
Bannerton — Thailand: not among its largest Tol Tol — Thailand: 1.7%
Fiji — / 1.7%
Bannerton — Fiji: not among its largest Tol Tol — Fiji: 1.7%

Bars are drawn against the largest share shown (14.9%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Bannerton 85.7% houses
Bannerton — Houses: 85.7% Bannerton — Flats / Apartments: 14.3%
Tol Tol 92.2% houses
Tol Tol — Houses: 92.2% Tol Tol — Flats / Apartments: 7.8%
Houses Flats / Apartments

Zoning mix

Bannerton has more rural and farming land (94% vs 69%).

Bannerton Tol Tol
Rural and farming 94% 69%
Parks and recreation 4% 24%
Infrastructure and transport 2% 7%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Bannerton Tol Tol
New dwellings approved 91
across Swan Hill
same for both
Approvals change year on year -86%
same for both

Ranking within VIC

Bannerton Tol Tol
House price —
same for both
Income Higher than 36% of VIC Higher than 84% of VIC
Schools —
same for both
Walkability Higher than 50% of VIC Higher than 54% of VIC
Affordability —
same for both
EV adoption Higher than 1% of VIC
same for both
NBN connectivity Higher than 66% of VIC Higher than 68% of VIC

Liveability

Bannerton Tol Tol
Grade —
same for both
Score —
same for both
Socio-economic band below-average income
decile 3/10
below-average income
decile 2/10

Risk profile

Tol Tol carries more flood risk (83 vs 17); Bannerton carries more crime risk (82 vs 63).

Bannerton Tol Tol
Bushfire Low
17/100
same for both
Crime High
82/100
Moderate
63/100
Flood Low
17/100
High
83/100
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
1
within 5 km

Schools

Bannerton Tol Tol
Inside the suburb 0
same for both
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0
same for both

Amenities in the suburb

Bannerton Tol Tol
Parks & reserves 3 2
Waterways 0 1

Mobility

Tol Tol sits further from the CBD (463.9 km vs 448.5 km).

Bannerton Tol Tol
Walkability score 0/100
same for both
Distance to Melbourne 448.5 km 463.9 km
+3% vs other
Drive time (normal traffic) 308 min 325 min
Electric vehicle share 0.1%
postcode 3549
same for both
Rooftop solar per 100 dwellings 49
postcode 3549
same for both

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Bannerton Tol Tol
Car (driver) 87.5% / 70.1%
Bannerton — Car (driver): 87.5% Tol Tol — Car (driver): 70.1%
Car (passenger) 12.5% / 11.5%
Bannerton — Car (passenger): 12.5% Tol Tol — Car (passenger): 11.5%
Worked from Home — / 9.2%
Bannerton — Worked from Home: not among its largest Tol Tol — Worked from Home: 9.2%
Walked Only — / 5.7%
Bannerton — Walked Only: not among its largest Tol Tol — Walked Only: 5.7%
Bus — / 3.4%
Bannerton — Bus: not among its largest Tol Tol — Bus: 3.4%

Bars are drawn against the largest share shown (87.5%).

Setting

Bannerton Tol Tol
Elevation 64 m
above sea level, at the suburb centre
65 m
above sea level, at the suburb centre

NBN connectivity

Bannerton Tol Tol
Connectivity score 30/100
same for both
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
26 premises
0%
76 premises

Council rates

Bannerton Tol Tol
Average residential rate $2,333/yr
same for both
Council Swan Hill
same for both

Federal electorate

Bannerton Tol Tol
Division Mallee
same for both
Member Anne Webster
same for both
Party The Nationals
same for both

First Home Owner Grant

Bannerton Tol Tol
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Bannerton

Tol Tol

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Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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