Ladysmith vs Tarcutta

In both, the large majority of households own their home and the large majority of homes are detached houses. In Ladysmith, about half of households are couple families. Houses cost more in Ladysmith: a median of $749,000, against $350,000 in Tarcutta, and rent is higher there too. On these figures, Tarcutta tends to suit people living alone and buyers on a tighter budget.

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 6 things we measure here

  • Ladysmith carries lower crime risk (16/100 vs 77/100)
  • Tarcutta has more parks and reserves (4 vs 0)

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

First-home buyers

Tarcutta

ahead on the one thing that separates them

  • has cheaper houses ($349,950 vs $749,000)

Weighs house prices and mortgage stress.

Renters

Tarcutta

ahead on the one thing that separates them

  • has cheaper rent ($205/wk vs $265/wk)

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

Commuting to the city

Tarcutta

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (260 min vs 279 min)
  • sits closer to the CBD (422.3 km vs 449.3 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Ladysmith

ahead on the one thing that separates them

  • carries lower crime risk (16/100 vs 77/100)

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

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

Ladysmith Tarcutta
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.

Ladysmith Tarcutta
Walkability 0 / 5
Ladysmith — Walkability: 0/100 Tarcutta — Walkability: 5/100
Safety 84 / 23
Ladysmith — Safety: 84/100 Tarcutta — Safety: 23/100
Low fire risk 83 / 20
Ladysmith — Low fire risk: 83/100 Tarcutta — Low fire risk: 20/100

Demographics

Ladysmith has higher household incomes ($93,132 vs $65,780); Ladysmith rents higher ($265/wk vs $205/wk).

Ladysmith Tarcutta
Population 339 425
+25% vs other
Population trend (2016 → 2021) -3.7% -4.7%
Median age 42 43
Median household income $93,132/yr
+29% vs other
 $65,780/yr
Median weekly rent $265/wk
+23% vs other
 $205/wk

Age profile

Share of residents in each band, 2021 Census.

Ladysmith Tarcutta
0-4 4.4% / 5.6%
Ladysmith — 0-4: 4.4% Tarcutta — 0-4: 5.6%
5-14 15.6% / 12.5%
Ladysmith — 5-14: 15.6% Tarcutta — 5-14: 12.5%
15-19 7.7% / 2.6%
Ladysmith — 15-19: 7.7% Tarcutta — 15-19: 2.6%
20-24 4.7% / 5.2%
Ladysmith — 20-24: 4.7% Tarcutta — 20-24: 5.2%
25-34 9.4% / 12.5%
Ladysmith — 25-34: 9.4% Tarcutta — 25-34: 12.5%
35-44 13.6% / 9.9%
Ladysmith — 35-44: 13.6% Tarcutta — 35-44: 9.9%
45-54 13.0% / 13.4%
Ladysmith — 45-54: 13.0% Tarcutta — 45-54: 13.4%
55-64 13.3% / 15.1%
Ladysmith — 55-64: 13.3% Tarcutta — 55-64: 15.1%
65-74 12.1% / 13.9%
Ladysmith — 65-74: 12.1% Tarcutta — 65-74: 13.9%
75-84 6.8% / 4.2%
Ladysmith — 75-84: 6.8% Tarcutta — 75-84: 4.2%
85+ 0.9% / 3.1%
Ladysmith — 85+: 0.9% Tarcutta — 85+: 3.1%

Bars are drawn against the largest share shown (15.6%).

Who lives together

Household composition, 2021 Census.

Ladysmith 47.7% couple families
Ladysmith — Couple Families: 47.7% Ladysmith — Lone Person: 29.5% Ladysmith — One Parent Families: 14.8% Ladysmith — Group Household: 8.0% Ladysmith — Other Families: 0.0%
Tarcutta 38.3% couple families
Tarcutta — Couple Families: 38.3% Tarcutta — Lone Person: 40.2% Tarcutta — One Parent Families: 17.8% Tarcutta — Group Household: 0.0% Tarcutta — Other Families: 3.7%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Ladysmith 10.7% renting
Ladysmith — Owned Outright: 43.0% Ladysmith — Mortgage: 46.3% Ladysmith — Renting: 10.7%
Tarcutta 17.1% renting
Tarcutta — Owned Outright: 55.7% Tarcutta — Mortgage: 27.1% Tarcutta — Renting: 17.1%
Owned outright Mortgage Renting

Qualifications

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

Ladysmith Tarcutta
Certificate III & IV 18.3% / 19.3%
Ladysmith — Certificate III & IV: 18.3% Tarcutta — Certificate III & IV: 19.3%
Bachelor Degree 8.0% / 8.5%
Ladysmith — Bachelor Degree: 8.0% Tarcutta — Bachelor Degree: 8.5%
Advanced Diploma / Diploma 7.7% / 6.6%
Ladysmith — Advanced Diploma / Diploma: 7.7% Tarcutta — Advanced Diploma / Diploma: 6.6%
Postgraduate Degree 2.7% / 1.4%
Ladysmith — Postgraduate Degree: 2.7% Tarcutta — Postgraduate Degree: 1.4%
Graduate Diploma / Certificate 0.9% / —
Ladysmith — Graduate Diploma / Certificate: 0.9% Tarcutta — Graduate Diploma / Certificate: not among its largest

Bars are drawn against the largest share shown (19.3%).

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.

Ladysmith Tarcutta
England 1.8% / 0.7%
Ladysmith — England: 1.8% Tarcutta — England: 0.7%
New Zealand 1.2% / —
Ladysmith — New Zealand: 1.2% Tarcutta — New Zealand: not among its largest
Fiji — / 1.2%
Ladysmith — Fiji: not among its largest Tarcutta — Fiji: 1.2%
Zimbabwe — / 1.2%
Ladysmith — Zimbabwe: not among its largest Tarcutta — Zimbabwe: 1.2%
Germany 0.9% / —
Ladysmith — Germany: 0.9% Tarcutta — Germany: not among its largest
Netherlands — / 0.7%
Ladysmith — Netherlands: not among its largest Tarcutta — Netherlands: 0.7%

Bars are drawn against the largest share shown (1.8%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Ladysmith 100.0% houses
Ladysmith — Houses: 100.0% Ladysmith — Flats / Apartments: 0.0%
Tarcutta 97.0% houses
Tarcutta — Houses: 97.0% Tarcutta — Flats / Apartments: 3.0%
Houses Flats / Apartments

Property market

Ladysmith Tarcutta
Median house price $749,000 $349,950
Median unit price —
same for both
Median land price $223,000 —
Typical days to sell (houses) 77 days
from 5 sales
 94 days
from 4 sales

Zoning mix

Ladysmith Tarcutta
Rural and farming 100% 99%
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

Ladysmith Tarcutta
New dwellings approved 548
across Wagga Wagga
same for both
Approvals change year on year +139%
same for both

Ranking within NSW

Ladysmith Tarcutta
House price Higher than 19% of NSW Higher than 5% of NSW
Income Higher than 60% of NSW Higher than 28% of NSW
Schools —
same for both
Walkability Higher than 29% of NSW Higher than 46% of NSW
Affordability Higher than 88% of NSW Higher than 95% of NSW
EV adoption Higher than 3% of NSW
same for both
NBN connectivity Higher than 58% of NSW Higher than 45% of NSW

Liveability

Ladysmith Tarcutta
Grade —
same for both
Score —
same for both
Socio-economic band mid-range socio-economic
decile 6/10
 below-average income
decile 3/10

Risk profile

Tarcutta carries more crime risk (77 vs 16); Tarcutta carries more bushfire risk (80 vs 17).

Ladysmith Tarcutta
Bushfire Low
17/100
 High
80/100
Crime Low
16/100
 High
77/100
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

Ladysmith Tarcutta
Inside the suburb 1
same for both
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 1 0

Schools in Ladysmith

  • Ladysmith Public School Government · Primary below peers

Schools in Tarcutta

  • Tarcutta Public School Government · Primary

Amenities in the suburb

Ladysmith Tarcutta
Parks & reserves 0 4
Police stations 0 1
Banks & Bank@Post 0 1
Fuel stations 0 1
EV chargers 0 1
Waterways 11 48

Mobility

Ladysmith sits further from the CBD (449.3 km vs 422.3 km).

Ladysmith Tarcutta
Walkability score 0/100 5/100
Distance to Sydney 449.3 km
+6% vs other
 422.3 km
Drive time (normal traffic) 279 min 260 min
Electric vehicle share 0.1%
postcode 2652
same for both
Rooftop solar per 100 dwellings 58
postcode 2652
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.

Ladysmith Tarcutta
Car (driver) 82.9% / 59.6%
Ladysmith — Car (driver): 82.9% Tarcutta — Car (driver): 59.6%
Worked from Home 10.1% / 26.8%
Ladysmith — Worked from Home: 10.1% Tarcutta — Worked from Home: 26.8%
Walked Only 3.8% / 11.5%
Ladysmith — Walked Only: 3.8% Tarcutta — Walked Only: 11.5%
Car (passenger) 3.2% / 2.2%
Ladysmith — Car (passenger): 3.2% Tarcutta — Car (passenger): 2.2%

Bars are drawn against the largest share shown (82.9%).

Setting

Ladysmith Tarcutta
Elevation 316 m
above sea level, at the suburb centre
 278 m
above sea level, at the suburb centre

NBN connectivity

Ladysmith Tarcutta
Connectivity score 30/100 29/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
155 premises
 0%
229 premises

Climate

Ladysmith Tarcutta
Annual rainfall 565 mm
same for both
Summer max (Jan) 31.8°C
same for both
Winter min (Jul) 3.4°C
same for both

Council rates

Ladysmith Tarcutta
Average residential rate $1,254/yr
same for both
Council Wagga Wagga
same for both

Federal electorate

Ladysmith Tarcutta
Division Riverina
same for both
Member Michael Mccormack
same for both
Party The Nationals
same for both

First Home Owner Grant

Ladysmith Tarcutta
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Ladysmith

River Rural

Tarcutta

Affordable Rural

More comparisons

Other comparisons with Ladysmith

Ladysmith vs Forest Hill Ladysmith vs Gregadoo Ladysmith vs Book Book Ladysmith vs Borambola Ladysmith vs Alfredtown

Other comparisons with Tarcutta

Tarcutta vs Book Book Tarcutta vs Humula Tarcutta vs Borambola Tarcutta vs Kyeamba Tarcutta vs Mundarlo
Full data on Ladysmith Full data on Tarcutta
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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