Finley vs Tocumwal

Finley is the younger of the two, with a median age of 51 against 59 in Tocumwal. In both, the large majority of households own their home, the large majority of homes are detached houses, and about half of households are people living alone. Houses cost more in Tocumwal: a median of $490,000, against $360,000 in Finley, and rent is higher there too. On these figures, Finley tends to suit buyers on a tighter budget, while Tocumwal suits older residents.

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

Finley

ahead on the one thing that separates them

  • has more parks and reserves (7 vs 3)

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

First-home buyers

Finley

ahead on 3 of the 4 things we measure here

  • has cheaper land ($115,000 vs $242,500)
  • leaves households under less mortgage stress (21% vs 28%)
  • has cheaper houses ($360,000 vs $490,000)
  • But Tocumwal has cheaper units ($247,500 vs $275,000)

Weighs house prices, unit prices, land prices, and mortgage stress.

Renters

Finley

ahead on 2 of the 3 things we measure here

  • has cheaper rent ($175/wk vs $250/wk)
  • leaves renters under less rental stress (16% vs 23%)

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

Commuting to the city

Finley

ahead on 3 of the 3 things we measure here

  • is more walkable (14/100 vs 0/100)
  • sits closer to the CBD (655 km vs 703.3 km)
  • has a shorter drive in (424 min vs 446 min)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

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

  • Finley is more walkable (14/100 vs 0/100)
  • Tocumwal has more residents already 65 and over (40% vs 30%)

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

Investors

Tocumwal

ahead on the one thing that separates them

  • is growing faster (6.7% vs -2.5%)

Weighs population growth.

Where they sit

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

Finley Tocumwal
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.

Finley Tocumwal
Walkability 14 / 0
Finley — Walkability: 14/100 Tocumwal — Walkability: 0/100
Safety 33 / 35
Finley — Safety: 33/100 Tocumwal — Safety: 35/100
Low fire risk 68 / 75
Finley — Low fire risk: 68/100 Tocumwal — Low fire risk: 75/100

Demographics

Tocumwal rents higher ($250/wk vs $175/wk); Tocumwal skews older (59 vs 51).

Finley Tocumwal
Population 2,455 2,862
+17% vs other
Population trend (2016 → 2021) -2.5% +6.7%
Median age 51 59
Median household income $55,432/yr $55,484/yr
Median weekly rent $175/wk $250/wk
+43% vs other

Age profile

Share of residents in each band, 2021 Census.

Finley Tocumwal
0-4 4.3% / 4.2%
Finley — 0-4: 4.3% Tocumwal — 0-4: 4.2%
5-14 11.7% / 9.9%
Finley — 5-14: 11.7% Tocumwal — 5-14: 9.9%
15-19 5.5% / 3.9%
Finley — 15-19: 5.5% Tocumwal — 15-19: 3.9%
20-24 3.7% / 2.7%
Finley — 20-24: 3.7% Tocumwal — 20-24: 2.7%
25-34 8.2% / 7.0%
Finley — 25-34: 8.2% Tocumwal — 25-34: 7.0%
35-44 9.0% / 8.5%
Finley — 35-44: 9.0% Tocumwal — 35-44: 8.5%
45-54 12.1% / 9.6%
Finley — 45-54: 12.1% Tocumwal — 45-54: 9.6%
55-64 15.6% / 14.3%
Finley — 55-64: 15.6% Tocumwal — 55-64: 14.3%
65-74 15.4% / 23.4%
Finley — 65-74: 15.4% Tocumwal — 65-74: 23.4%
75-84 10.2% / 12.7%
Finley — 75-84: 10.2% Tocumwal — 75-84: 12.7%
85+ 4.4% / 4.1%
Finley — 85+: 4.4% Tocumwal — 85+: 4.1%

Bars are drawn against the largest share shown (23.4%).

Who lives together

Household composition, 2021 Census.

Finley 50.8% lone person
Finley — Lone Person: 50.8% Finley — Couple Families: 29.5% Finley — One Parent Families: 14.7% Finley — Group Household: 3.4% Finley — Other Families: 1.6%
Tocumwal 53.3% lone person
Tocumwal — Lone Person: 53.3% Tocumwal — Couple Families: 30.4% Tocumwal — One Parent Families: 11.9% Tocumwal — Group Household: 3.4% Tocumwal — Other Families: 1.0%
Lone Person Couple Families One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Finley 22.7% renting
Finley — Owned Outright: 46.8% Finley — Mortgage: 30.5% Finley — Renting: 22.7%
Tocumwal 17.5% renting
Tocumwal — Owned Outright: 55.8% Tocumwal — Mortgage: 26.7% Tocumwal — Renting: 17.5%
Owned outright Mortgage Renting

Qualifications

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

Finley Tocumwal
Certificate III & IV 16.4% / 18.5%
Finley — Certificate III & IV: 16.4% Tocumwal — Certificate III & IV: 18.5%
Bachelor Degree 7.4% / 5.9%
Finley — Bachelor Degree: 7.4% Tocumwal — Bachelor Degree: 5.9%
Advanced Diploma / Diploma 4.7% / 5.9%
Finley — Advanced Diploma / Diploma: 4.7% Tocumwal — Advanced Diploma / Diploma: 5.9%
Postgraduate Degree 1.2% / 0.8%
Finley — Postgraduate Degree: 1.2% Tocumwal — Postgraduate Degree: 0.8%
Graduate Diploma / Certificate 0.6% / 1.4%
Finley — Graduate Diploma / Certificate: 0.6% Tocumwal — Graduate Diploma / Certificate: 1.4%

Bars are drawn against the largest share shown (18.5%).

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.

Finley Tocumwal
England 1.8% / 2.7%
Finley — England: 1.8% Tocumwal — England: 2.7%
New Zealand 1.1% / 1.2%
Finley — New Zealand: 1.1% Tocumwal — New Zealand: 1.2%
Netherlands 0.4% / 0.7%
Finley — Netherlands: 0.4% Tocumwal — Netherlands: 0.7%
Philippines 0.4% / 0.5%
Finley — Philippines: 0.4% Tocumwal — Philippines: 0.5%
Germany — / 0.8%
Finley — Germany: not among its largest Tocumwal — Germany: 0.8%
India 0.7% / —
Finley — India: 0.7% Tocumwal — India: not among its largest

Bars are drawn against the largest share shown (2.7%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Finley 91.1% houses
Finley — Houses: 91.1% Finley — Townhouses: 7.3% Finley — Flats / Apartments: 1.6%
Tocumwal 90.6% houses
Tocumwal — Houses: 90.6% Tocumwal — Townhouses: 5.8% Tocumwal — Flats / Apartments: 3.6%
Houses Townhouses Flats / Apartments

Property market

Finley Tocumwal
Median house price $360,000 $490,000
Median unit price $275,000 $247,500
Median land price $115,000 $242,500
Typical days to sell (houses) 79 days
from 25 sales
 80 days
from 26 sales

House price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Finley Tocumwal
2 bed $273K / $288K
Finley — 2 bed: $273K (6 sales) Tocumwal — 2 bed: $288K (7 sales)

6 vs 7 sales

3 bed $355K / $502K
Finley — 3 bed: $355K (38 sales) Tocumwal — 3 bed: $502K (22 sales)

38 vs 22 sales

4 bed $425K / $640K
Finley — 4 bed: $425K (19 sales) Tocumwal — 4 bed: $640K (11 sales)

19 vs 11 sales

Zoning mix

Finley Tocumwal
Rural and farming 99% 94%
Environmental 0% 3%
Industrial 0% 1%
Infrastructure and transport 1%
same for both
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

Finley Tocumwal
New dwellings approved 42
across Berrigan
same for both
Approvals change year on year -60%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Finley Tocumwal
Houses — 3.9%
$500/wk on $671K
Units — 3.8%
$300/wk on $410K

Ranking within NSW

Finley Tocumwal
House price Higher than 9% of NSW Higher than 16% of NSW
Income Higher than 16% of NSW
same for both
Schools Higher than 77% of NSW —
Walkability Higher than 65% of NSW Higher than 18% of NSW
Affordability Higher than 88% of NSW Higher than 70% of NSW
EV adoption Higher than 9% of NSW Higher than 29% of NSW
NBN connectivity Higher than 71% of NSW
same for both
Rental yield (houses) — Higher than 67% of NSW
Rental yield (units) — Higher than 17% of NSW

Liveability

Finley is more walkable (14 vs 0); Finley scores higher overall (35 vs 26).

Finley Tocumwal
Grade C D
Score 35/100 26/100
Socio-economic band below-average income
decile 2/10
 below-average income
decile 3/10

Risk profile

Finley Tocumwal
Bushfire Low
32/100
 Low
25/100
Crime Moderate
67/100
 Moderate
65/100
Flood Not mapped
no mapped data here
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
same for both

Schools

Finley Tocumwal
Inside the suburb 3 2
Rated above peers 1
same for both
Rated at peers 1 0
Rated below peers 1
same for both

Schools in Finley

  • Finley High School Government · Secondary above peers
  • St Joseph's Primary School Catholic · Primary at peers
  • Finley Public School Government · Primary below peers

Schools in Tocumwal

  • Tocumwal Public School Government · Primary above peers
  • Sacred Heart Primary School Catholic · Primary below peers

Amenities in the suburb

Finley Tocumwal
Supermarkets 1 2
Cafes & restaurants 1
same for both
Parks & reserves 7 3
Childcare 2
same for both
GPs 2 1
Pharmacies 0 1
Hospitals 1
same for both
Police stations 1
same for both
Banks & Bank@Post 2 1
Fuel stations 4 2
Waterways 7 8

Mobility

Tocumwal sits further from the CBD (703.3 km vs 655 km).

Finley Tocumwal
Walkability score 14/100 0/100
Distance to Sydney 655 km 703.3 km
+7% vs other
Drive time (normal traffic) 424 min 446 min
Public transport score 44/100
Bus
 39/100
Bus
Peak arrivals per hour 19.8
7-9am + 5-7pm
 16.8
7-9am + 5-7pm
Median peak wait 1 min
scheduled, not actual
same for both
Electric vehicle share 0.1%
postcode 2713
 0.3%
postcode 2714
Rooftop solar per 100 dwellings 65
postcode 2713
 69
postcode 2714

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.

Finley Tocumwal
Car (driver) 73.4% / 78.4%
Finley — Car (driver): 73.4% Tocumwal — Car (driver): 78.4%
Worked from Home 13.1% / 13.2%
Finley — Worked from Home: 13.1% Tocumwal — Worked from Home: 13.2%
Walked Only 9.1% / 4.7%
Finley — Walked Only: 9.1% Tocumwal — Walked Only: 4.7%
Car (passenger) 3.6% / 3.3%
Finley — Car (passenger): 3.6% Tocumwal — Car (passenger): 3.3%
Bicycle 0.8% / 0.4%
Finley — Bicycle: 0.8% Tocumwal — Bicycle: 0.4%

Bars are drawn against the largest share shown (78.4%).

Setting

Finley Tocumwal
Elevation 108 m
above sea level, at the suburb centre
same for both

NBN connectivity

Finley Tocumwal
Connectivity score 62/100
same for both
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 28%
1,557 premises
 31%
1,746 premises

Council rates

Finley Tocumwal
Average residential rate $867/yr
same for both
Council Berrigan
same for both

Federal electorate

Finley Tocumwal
Division Farrer
same for both
Member David Farley
same for both
Party One Nation
same for both

First Home Owner Grant

Finley Tocumwal
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Finley

Affordable Retirees Rural

Tocumwal

Affordable Retirees Rural

More comparisons

Other comparisons with Finley

Finley vs Berrigan Finley vs Jerilderie Finley vs Myrtle Park

Other comparisons with Tocumwal

Tocumwal vs Barooga Tocumwal vs Berrigan Tocumwal vs Lalalty
Full data on Finley Full data on Tocumwal
Unlock full address-level data — $29/month

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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