Cosgrove South vs Pine Lodge

Pine Lodge is the younger of the two, with a median age of 38 against 57 in Cosgrove South. In both, the large majority of households own their home and the large majority of homes are detached houses. In Cosgrove South, the large majority of households are people living alone. In Pine Lodge, most households are couple families. On these figures, Cosgrove South tends to suit people living alone and older residents, while Pine Lodge suits families with children.

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

They split

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

  • Cosgrove South has more parks and reserves (4 vs 0)
  • Pine Lodge carries lower crime risk (32/100 vs 89/100)

Weighs schools, house stock, crime, parks, and childcare.

First-home buyers

Pine Lodge

ahead on the one thing that separates them

  • leaves households under less mortgage stress (17% vs 27%)

Weighs mortgage stress.

Renters

Cosgrove South

ahead on the one thing that separates them

  • has cheaper rent ($200/wk vs $250/wk)

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

Commuting to the city

Pine Lodge

ahead on the one thing that separates them

  • sits closer to the CBD (206.8 km vs 210.1 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

one each way, out of the 4 things we measure here

  • Cosgrove South has more residents already 65 and over (43% vs 14%)
  • Pine Lodge carries lower crime risk (32/100 vs 89/100)

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

Investors

Pine Lodge

ahead on the one thing that separates them

  • is growing faster (10.8% vs -8.6%)

Weighs population growth.

Where they sit

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

Cosgrove South Pine Lodge
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.

Cosgrove South Pine Lodge
Walkability 0 / 0
Cosgrove South — Walkability: 0/100 Pine Lodge — Walkability: 0/100
Safety 11 / 68
Cosgrove South — Safety: 11/100 Pine Lodge — Safety: 68/100
Low fire risk 61 / 100
Cosgrove South — Low fire risk: 61/100 Pine Lodge — Low fire risk: 100/100
Low flood risk 2 / 2
Cosgrove South — Low flood risk: 2/100 Pine Lodge — Low flood risk: 2/100

Demographics

Pine Lodge has more residents (267 vs 53); Pine Lodge has higher household incomes ($94,224 vs $58,448).

Cosgrove South Pine Lodge
Population 53 267
+404% vs other
Population trend (2016 → 2021) -8.6% +10.8%
Median age 57 38
Median household income $58,448/yr $94,224/yr
+61% vs other
Median weekly rent $200/wk $250/wk
+25% vs other

Age profile

Share of residents in each band, 2021 Census.

Cosgrove South Pine Lodge
0-4 — / 7.9%
Cosgrove South — 0-4: not among its largest Pine Lodge — 0-4: 7.9%
5-14 11.3% / 16.9%
Cosgrove South — 5-14: 11.3% Pine Lodge — 5-14: 16.9%
15-19 — / 4.9%
Cosgrove South — 15-19: not among its largest Pine Lodge — 15-19: 4.9%
20-24 5.7% / 4.5%
Cosgrove South — 20-24: 5.7% Pine Lodge — 20-24: 4.5%
25-34 17.0% / 10.5%
Cosgrove South — 25-34: 17.0% Pine Lodge — 25-34: 10.5%
35-44 — / 15.7%
Cosgrove South — 35-44: not among its largest Pine Lodge — 35-44: 15.7%
45-54 5.7% / 16.9%
Cosgrove South — 45-54: 5.7% Pine Lodge — 45-54: 16.9%
55-64 13.2% / 10.9%
Cosgrove South — 55-64: 13.2% Pine Lodge — 55-64: 10.9%
65-74 30.2% / 7.5%
Cosgrove South — 65-74: 30.2% Pine Lodge — 65-74: 7.5%
75-84 5.7% / 6.7%
Cosgrove South — 75-84: 5.7% Pine Lodge — 75-84: 6.7%
85+ 7.5% / —
Cosgrove South — 85+: 7.5% Pine Lodge — 85+: not among its largest

Bars are drawn against the largest share shown (30.2%).

Who lives together

Household composition, 2021 Census.

Cosgrove South 100.0% lone person
Cosgrove South — Lone Person: 100.0% Cosgrove South — Couple Families: 0.0% Cosgrove South — One Parent Families: 0.0%
Pine Lodge 29.3% lone person
Pine Lodge — Lone Person: 29.3% Pine Lodge — Couple Families: 62.1% Pine Lodge — One Parent Families: 8.6%
Lone Person Couple Families One Parent Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Cosgrove South 13.8% renting
Cosgrove South — Owned Outright: 55.2% Cosgrove South — Mortgage: 31.0% Cosgrove South — Renting: 13.8%
Pine Lodge 19.0% renting
Pine Lodge — Owned Outright: 44.0% Pine Lodge — Mortgage: 36.9% Pine Lodge — Renting: 19.0%
Owned outright Mortgage Renting

What people live in

Occupied private dwellings by structure, 2021 Census.

Cosgrove South 100.0% houses
Cosgrove South — Houses: 100.0%
Pine Lodge 100.0% houses
Pine Lodge — Houses: 100.0%
Houses

Qualifications

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

Cosgrove South Pine Lodge
Certificate III & IV 22.6% / 16.1%
Cosgrove South — Certificate III & IV: 22.6% Pine Lodge — Certificate III & IV: 16.1%
Advanced Diploma / Diploma 7.5% / 7.1%
Cosgrove South — Advanced Diploma / Diploma: 7.5% Pine Lodge — Advanced Diploma / Diploma: 7.1%
Bachelor Degree 7.5% / 6.7%
Cosgrove South — Bachelor Degree: 7.5% Pine Lodge — Bachelor Degree: 6.7%
Postgraduate Degree — / 5.6%
Cosgrove South — Postgraduate Degree: not among its largest Pine Lodge — Postgraduate Degree: 5.6%
Graduate Diploma / Certificate — / 2.6%
Cosgrove South — Graduate Diploma / Certificate: not among its largest Pine Lodge — Graduate Diploma / Certificate: 2.6%

Bars are drawn against the largest share shown (22.6%).

Zoning mix

Cosgrove South Pine Lodge
Rural and farming 94% 98%
Infrastructure and transport 4% 2%
Parks and recreation 2% 0%
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

Cosgrove South Pine Lodge
New dwellings approved 649
across Greater Shepparton
same for both
Approvals change year on year -23%
same for both

Ranking within VIC

Cosgrove South Pine Lodge
House price —
same for both
Income Higher than 16% of VIC Higher than 64% of VIC
Schools —
same for both
Walkability Higher than 3% of VIC Higher than 23% of VIC
Affordability —
same for both
EV adoption Higher than 41% of VIC
same for both
NBN connectivity Higher than 38% of VIC Higher than 56% of VIC

Liveability

Cosgrove South Pine Lodge
Grade —
same for both
Score —
same for both
Socio-economic band very advantaged area
decile 9/10
 advantaged area
decile 8/10

Risk profile

Cosgrove South carries more bushfire risk (39 vs 0); Cosgrove South carries more crime risk (89 vs 32).

Cosgrove South Pine Lodge
Bushfire Low
39/100
 None
0/100
Crime High
89/100
 Low
32/100
Flood High
98/100
same for both
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
 2
within 5 km

Schools

Cosgrove South Pine Lodge
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

Cosgrove South Pine Lodge
Parks & reserves 4 0
Waterways 9 6

Mobility

Cosgrove South sits further from the CBD (210.1 km vs 206.8 km).

Cosgrove South Pine Lodge
Walkability score 0/100
same for both
Distance to Melbourne 210.1 km
+2% vs other
 206.8 km
Drive time (normal traffic) 145 min
same for both
Electric vehicle share 0.4%
postcode 3631
same for both
Rooftop solar per 100 dwellings 70
postcode 3631
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.

Cosgrove South Pine Lodge
Car (driver) 57.1% / 63.3%
Cosgrove South — Car (driver): 57.1% Pine Lodge — Car (driver): 63.3%
Worked from Home 28.6% / 29.7%
Cosgrove South — Worked from Home: 28.6% Pine Lodge — Worked from Home: 29.7%
Car (passenger) 14.3% / —
Cosgrove South — Car (passenger): 14.3% Pine Lodge — Car (passenger): not among its largest
Walked Only — / 7.0%
Cosgrove South — Walked Only: not among its largest Pine Lodge — Walked Only: 7.0%

Bars are drawn against the largest share shown (63.3%).

Setting

Cosgrove South Pine Lodge
Elevation 133 m
above sea level, at the suburb centre
 120 m
above sea level, at the suburb centre

NBN connectivity

Cosgrove South Pine Lodge
Connectivity score 29/100 30/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
33 premises
 0%
114 premises

Climate

Cosgrove South Pine Lodge
Annual rainfall 484 mm
same for both
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Council rates

Cosgrove South Pine Lodge
Average residential rate $2,449/yr
same for both
Council Greater Shepparton
same for both

Federal electorate

Cosgrove South Pine Lodge
Division Nicholls
same for both
Member Sam Birrell
same for both
Party The Nationals
same for both

First Home Owner Grant

Cosgrove South Pine Lodge
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Cosgrove South

Retirees River Rural

Pine Lodge

Family Rural

More comparisons

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Other comparisons with Pine Lodge

Pine Lodge vs Shepparton East Pine Lodge vs Congupna Pine Lodge vs Katandra West Pine Lodge vs Lemnos Pine Lodge vs Kialla East Pine Lodge vs Katandra
Full data on Cosgrove South Full data on Pine Lodge
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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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