Cosgrove vs Pine Lodge
Pine Lodge is the younger of the two, with a median age of 38 against 55 in Cosgrove. In both, the large majority of households own their home and the large majority of homes are detached houses. In Cosgrove, most households are people living alone. In Pine Lodge, most households are couple families. On these figures, Cosgrove tends to suit people living alone, while Pine Lodge 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
Pine Lodge
ahead on the one thing that separates them
- is already more of a family suburb (71% vs 40%)
Weighs schools, house stock, crime, parks, childcare, and who already lives there.
First-home buyers
Too close to call
Nothing among the 1 things we measure here separates them by enough to be worth acting on.
Weighs mortgage stress.
Renters
Cosgrove
ahead on the one thing that separates them
- has cheaper rent ($200/wk vs $250/wk)
Weighs rent and rental stress.
Commuting to the city
Pine Lodge
ahead on the one thing that separates them
- sits closer to the CBD (206.8 km vs 212.6 km)
Weighs distance, drive time, and walkability.
Downsizers and retirees
Pine Lodge
ahead on the one thing that separates them
- has more residents already 65 and over (14% vs 8%)
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 -7.4%)
Weighs population growth.
Where they sit
Cosgrove 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.
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.
Demographics
Pine Lodge has more residents (267 vs 50); Pine Lodge has higher household incomes ($94,224 vs $58,500).
| Cosgrove | Pine Lodge | |
|---|---|---|
| Population | 50 | 267 +434% vs other |
| Population trend (2016 → 2021) | -7.4% | +10.8% |
| Median age | 55 | 38 |
| Median household income | $58,500/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.
Bars are drawn against the largest share shown (30.0%).
Who lives together
Household composition, 2021 Census.
Who owns and who rents
Occupied private dwellings by tenure, 2021 Census.
What people live in
Occupied private dwellings by structure, 2021 Census.
Qualifications
Highest non-school qualification, residents 15+, 2021 Census.
Bars are drawn against the largest share shown (16.1%).
Zoning mix
| Cosgrove | Pine Lodge | |
|---|---|---|
| Rural and farming | 99% | 98% |
| Infrastructure and transport | 1% | 2% |
| 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 | 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 | Pine Lodge | |
|---|---|---|
| House price | — same for both | |
| Income | Higher than 17% of VIC | Higher than 64% of VIC |
| Schools | — same for both | |
| Walkability | Higher than 15% 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 53% of VIC | Higher than 56% of VIC |
Liveability
| Cosgrove | 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 carries more bushfire risk (40 vs 0); Pine Lodge carries more flood risk (98 vs 88).
| Cosgrove | Pine Lodge | |
|---|---|---|
| Bushfire | Moderate 40/100 | None 0/100 |
| Crime | Low 28/100 | Low 32/100 |
| Flood | High 88/100 | High 98/100 |
| Coastal erosion | None 0/100 same for both | |
| Aircraft noise | None 0/100 same for both | |
| Industrial facilities nearby | 4 within 5 km | 2 within 5 km |
Schools
| Cosgrove | 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 | Pine Lodge | |
|---|---|---|
| Parks & reserves | 2 | 0 |
| Waterways | 0 | 6 |
Mobility
Cosgrove sits further from the CBD (212.6 km vs 206.8 km).
| Cosgrove | Pine Lodge | |
|---|---|---|
| Walkability score | 0/100 same for both | |
| Distance to Melbourne | 212.6 km +3% vs other | 206.8 km |
| Drive time (normal traffic) | 148 min | 145 min |
| 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.
Bars are drawn against the largest share shown (64.0%).
Setting
| Cosgrove | Pine Lodge | |
|---|---|---|
| Elevation | 125 m above sea level, at the suburb centre | 120 m above sea level, at the suburb centre |
NBN connectivity
| Cosgrove | Pine Lodge | |
|---|---|---|
| Connectivity score | 30/100 same for both | |
| Most common technology | Fixed wireless same for both | |
| Full-fibre (FTTP) share | 0% 30 premises | 0% 114 premises |
Climate
| Cosgrove | Pine Lodge | |
|---|---|---|
| Annual rainfall | 484 mm same for both | |
| Summer max (Jan) | — same for both | |
| Winter min (Jul) | — same for both | |
Council rates
| Cosgrove | Pine Lodge | |
|---|---|---|
| Average residential rate | $2,449/yr same for both | |
| Council | Greater Shepparton same for both | |
Federal electorate
| Cosgrove | Pine Lodge | |
|---|---|---|
| Division | Nicholls same for both | |
| Member | Sam Birrell same for both | |
| Party | The Nationals same for both | |
First Home Owner Grant
| Cosgrove | Pine Lodge | |
|---|---|---|
| Grant amount | $10,000 same for both | |
| Property price cap | $750,000 same for both | |
| Eligibility | New same for both | |
Tags
More comparisons
Other comparisons with Cosgrove
Other comparisons with Pine Lodge
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.