Cudgewa vs Nariel Valley

In both, the large majority of households own their home and the large majority of homes are detached houses. In Cudgewa, about half of households are people living alone. In Nariel Valley, most households are couple families. On these figures, Nariel Valley tends to suit 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

Nariel Valley

ahead on 4 of the 6 things we measure here

  • carries lower crime risk (18/100 vs 40/100)
  • has more parks and reserves (6 vs 3)
  • is already more of a family suburb (60% vs 42%)

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

First-home buyers

Nariel Valley

ahead on the one thing that separates them

  • leaves households under less mortgage stress (1% vs 19%)

Weighs mortgage stress.

Renters

They split

one each way, out of the 3 things we measure here

  • Cudgewa has cheaper rent ($130/wk vs $165/wk)
  • Nariel Valley has a bigger rental market to choose from (16% vs 5%)

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

Commuting to the city

Cudgewa

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (295 min vs 398 min)
  • sits closer to the CBD (436.7 km vs 496.1 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Nariel Valley

ahead on the one thing that separates them

  • carries lower crime risk (18/100 vs 40/100)

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

Investors

Too close to call

Nothing among the 1 things we measure here separates them by enough to be worth acting on.

Weighs population growth.

Where they sit

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

Cudgewa Nariel Valley
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.

Cudgewa Nariel Valley
Walkability 0 / 0
Cudgewa — Walkability: 0/100 Nariel Valley — Walkability: 0/100
Safety 60 / 82
Cudgewa — Safety: 60/100 Nariel Valley — Safety: 82/100
Low fire risk 5 / 10
Cudgewa — Low fire risk: 5/100 Nariel Valley — Low fire risk: 10/100
Low flood risk 47 / 68
Cudgewa — Low flood risk: 47/100 Nariel Valley — Low flood risk: 68/100

Demographics

Cudgewa has more residents (254 vs 87); Nariel Valley rents higher ($165/wk vs $130/wk).

Cudgewa Nariel Valley
Population 254
+66% vs other
 87
Population trend (2016 → 2021) -2.7% -3.3%
Median age 54 52
Median household income $66,612/yr $81,224/yr
+22% vs other
Median weekly rent $130/wk $165/wk
+27% vs other

Age profile

Share of residents in each band, 2021 Census.

Cudgewa Nariel Valley
0-4 1.2% / 6.9%
Cudgewa — 0-4: 1.2% Nariel Valley — 0-4: 6.9%
5-14 8.7% / 9.2%
Cudgewa — 5-14: 8.7% Nariel Valley — 5-14: 9.2%
15-19 7.9% / 9.2%
Cudgewa — 15-19: 7.9% Nariel Valley — 15-19: 9.2%
20-24 2.4% / 8.0%
Cudgewa — 20-24: 2.4% Nariel Valley — 20-24: 8.0%
25-34 8.7% / —
Cudgewa — 25-34: 8.7% Nariel Valley — 25-34: not among its largest
35-44 7.1% / 6.9%
Cudgewa — 35-44: 7.1% Nariel Valley — 35-44: 6.9%
45-54 16.5% / 23.0%
Cudgewa — 45-54: 16.5% Nariel Valley — 45-54: 23.0%
55-64 22.8% / 16.1%
Cudgewa — 55-64: 22.8% Nariel Valley — 55-64: 16.1%
65-74 18.1% / 12.6%
Cudgewa — 65-74: 18.1% Nariel Valley — 65-74: 12.6%
75-84 6.3% / 9.2%
Cudgewa — 75-84: 6.3% Nariel Valley — 75-84: 9.2%
85+ 1.2% / 3.4%
Cudgewa — 85+: 1.2% Nariel Valley — 85+: 3.4%

Bars are drawn against the largest share shown (23.0%).

Who lives together

Household composition, 2021 Census.

Cudgewa 29.1% couple families
Cudgewa — Couple Families: 29.1% Cudgewa — Lone Person: 47.3% Cudgewa — One Parent Families: 12.7% Cudgewa — Group Household: 10.9%
Nariel Valley 60.0% couple families
Nariel Valley — Couple Families: 60.0% Nariel Valley — Lone Person: 40.0% Nariel Valley — One Parent Families: 0.0% Nariel Valley — Group Household: 0.0%
Couple Families Lone Person One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Cudgewa 4.9% renting
Cudgewa — Owned Outright: 60.5% Cudgewa — Mortgage: 34.6% Cudgewa — Renting: 4.9%
Nariel Valley 16.0% renting
Nariel Valley — Owned Outright: 68.0% Nariel Valley — Mortgage: 16.0% Nariel Valley — Renting: 16.0%
Owned outright Mortgage Renting

What people live in

Occupied private dwellings by structure, 2021 Census.

Cudgewa 96.6% houses
Cudgewa — Houses: 96.6% Cudgewa — Flats / Apartments: 3.4%
Nariel Valley 114.3% houses
Nariel Valley — Houses: 114.3% Nariel Valley — Flats / Apartments: 0.0%
Houses Flats / Apartments

Qualifications

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

Cudgewa Nariel Valley
Certificate III & IV 16.5% / 25.3%
Cudgewa — Certificate III & IV: 16.5% Nariel Valley — Certificate III & IV: 25.3%
Bachelor Degree 7.5% / 5.7%
Cudgewa — Bachelor Degree: 7.5% Nariel Valley — Bachelor Degree: 5.7%
Advanced Diploma / Diploma 7.1% / 5.7%
Cudgewa — Advanced Diploma / Diploma: 7.1% Nariel Valley — Advanced Diploma / Diploma: 5.7%
Postgraduate Degree 2.0% / 3.4%
Cudgewa — Postgraduate Degree: 2.0% Nariel Valley — Postgraduate Degree: 3.4%
Graduate Diploma / Certificate 1.2% / 3.4%
Cudgewa — Graduate Diploma / Certificate: 1.2% Nariel Valley — Graduate Diploma / Certificate: 3.4%

Bars are drawn against the largest share shown (25.3%).

Zoning mix

Cudgewa has more rural and farming land (67% vs 6%).

Cudgewa Nariel Valley
Parks and recreation 32% 94%
Rural and farming 67% 6%
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

Cudgewa Nariel Valley
New dwellings approved 19
across Towong
same for both

Ranking within VIC

Cudgewa Nariel Valley
House price —
same for both
Income Higher than 27% of VIC Higher than 49% of VIC
Schools —
same for both
Walkability Higher than 56% of VIC Higher than 25% of VIC
Affordability —
same for both
EV adoption —
same for both
NBN connectivity Higher than 16% of VIC Higher than 14% of VIC

Liveability

Cudgewa Nariel Valley
Grade —
same for both
Score —
same for both
Socio-economic band mid-range socio-economic
decile 6/10
 advantaged area
decile 7/10

Risk profile

Cudgewa carries more crime risk (40 vs 18); Cudgewa carries more flood risk (53 vs 32).

Cudgewa Nariel Valley
Bushfire High
95/100
 High
90/100
Crime Moderate
40/100
 Low
18/100
Flood Moderate
53/100
 Low
32/100
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
same for both

Schools

Cudgewa Nariel Valley
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

Cudgewa Nariel Valley
Parks & reserves 3 6
Waterways 8 35

Mobility

Nariel Valley sits further from the CBD (496.1 km vs 436.7 km).

Cudgewa Nariel Valley
Walkability score 0/100
same for both
Distance to Melbourne 436.7 km 496.1 km
+14% vs other
Drive time (normal traffic) 295 min 398 min
Electric vehicle share 0.0%
postcode 3705
 0.0%
postcode 3707
Rooftop solar per 100 dwellings 80
postcode 3705
 71
postcode 3707

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.

Cudgewa Nariel Valley
Car (driver) 57.7% / 67.4%
Cudgewa — Car (driver): 57.7% Nariel Valley — Car (driver): 67.4%
Worked from Home 34.2% / 32.6%
Cudgewa — Worked from Home: 34.2% Nariel Valley — Worked from Home: 32.6%
Walked Only 4.5% / —
Cudgewa — Walked Only: 4.5% Nariel Valley — Walked Only: not among its largest
Car (passenger) 3.6% / —
Cudgewa — Car (passenger): 3.6% Nariel Valley — Car (passenger): not among its largest

Bars are drawn against the largest share shown (67.4%).

Setting

Cudgewa Nariel Valley
Elevation 343 m
above sea level, at the suburb centre
 868 m
above sea level, at the suburb centre

NBN connectivity

Cudgewa Nariel Valley
Connectivity score 19/100 17/100
Most common technology Satellite (Sky Muster)
same for both
Full-fibre (FTTP) share 0%
76 premises
 0%
49 premises

Climate

Cudgewa Nariel Valley
Annual rainfall 952 mm 947 mm
Summer max (Jan) 28.9°C 29.0°C
Winter min (Jul) 0.6°C 2.9°C

Council rates

Cudgewa Nariel Valley
Average residential rate $1,875/yr
same for both
Council Towong
same for both

Federal electorate

Cudgewa Nariel Valley
Division Indi
same for both
Member Helen Haines
same for both
Party Independent
same for both

First Home Owner Grant

Cudgewa Nariel Valley
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Cudgewa

Retirees Rural

Nariel Valley

Retirees Rural

More comparisons

Other comparisons with Cudgewa

Cudgewa vs Corryong Cudgewa vs Walwa Cudgewa vs Towong Cudgewa vs Tintaldra Cudgewa vs Colac Colac

Other comparisons with Nariel Valley

Nariel Valley vs Benambra Nariel Valley vs Dartmouth Nariel Valley vs Thowgla Valley Nariel Valley vs Biggara Nariel Valley vs Colac Colac
Full data on Cudgewa Full data on Nariel Valley
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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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