Tarnagulla flood map & planning overlays
Tarnagulla has Loddon's smallest lots and joint-oldest locals, 59.
Free map preview, then PDF reports from $9 - about the price of an iced latte on a public holiday.
A planning-constraint profile of Tarnagulla
(Loddon, VIC) - 28.71 km², mapped from live council and
state overlay data. This suburb is highly constrained.
Profile updated 25 October 2026.
Constraint readout
28.71 km² - this suburb is highly constrained by planning overlays.
Elevation hillshade with street names, clipped to Tarnagulla's boundary, with the flood, bushfire and environmental overlays drawn on top. Magenta is where aircraft were observed in the sampled period, brightest below 3,000 ft.
Nearby suburbs, nearest first
Aircraft noise and flight paths over Tarnagulla
The ANEF contour is a published planning forecast and observed overflight is what a sampled tracking feed recorded - neither describes any individual property.
Observed overflight - sampled 4 Sep to 24 Oct 2026
Night movements: not established - night is sampled as often as day, but too few night flights have been seen here to conclude either way.
How this is measured
Traffic is sampled rather than watched continuously, so every figure is a floor: aircraft not captured between samples are not represented. Rates are per 500 m square - the busiest square in the suburb, not a count of flights over the suburb - and a square is only rated where enough traffic was seen to measure it. Altitudes are above mean sea level. Flight paths change with runway use, weather, season and airspace design. This is a record of observed traffic; it is not a noise contour and not a planning control.
Tarnagulla at a glance
How Tarnagulla is zoned
Selling in Tarnagulla? The zoning and planning overlays on this page are the controls a Section 32 vendor statement discloses.
Across its 28.71 km², Tarnagulla is highly constrained by planning overlays. Flood mapping covers the suburb and none of it falls within a mapped flood overlay, and 100% is flagged bushfire-prone. There are 24 heritage-listed sites on record, and the dominant land-use zone is Public Conservation and Resource Zone (PCRZ). The median lot measures about 1,032 m² across 515 parcels.
Who lives in Tarnagulla
Census 2021 figures published by the ABS for the Tarnagulla suburb boundary itself, not a wider region.
Socio-economic standing
ABS SEIFA 2021 ranks every Australian suburb. Decile 1 is the most disadvantaged tenth of the country, decile 10 the least.
Score 919, and decile 1 within Victoria. The national average is 1000.
Age profile
Share of Tarnagulla's 153 residents in each ABS age band.
Population trend, 2001 to 2025
Estimated resident population of Loddon, the wider ABS statistical area containing Tarnagulla. There is no annual population series published at suburb level, so this describes the surrounding area rather than Tarnagulla itself.
8,033 in 2001 to 7,231 in 2025, down 10%.
Source: ABS Census 2021 and SEIFA 2021 (Suburbs and Localities), Regional Population (SA2), CC BY 4.0. Small counts are randomly adjusted by the ABS.
Tarnagulla data sources and coverage
“Not mapped” means we hold no source layer for this suburb - never an all-clear.
| Dataset | Coverage | Publisher |
|---|---|---|
| Flood mapping | Mapped | Vicmap Planning and Victorian Government spatial services |
| Bushfire-prone mapping | Mapped | Vicmap Planning and Victorian Government spatial services |
| Zoning | Mapped | Vicmap Planning and Victorian Government spatial services |
| Heritage and environment | Mapped where published | Vicmap Planning and Victorian Government spatial services |
| Aircraft noise contours (ANEF) | Not held | Vicmap Planning and Victorian Government spatial services, Defence |
| Observed flight paths | Observed | adsb.lol, under the Open Database License |
| Demographics | Available | Australian Bureau of Statistics (2021 Census and SEIFA) |
Profile last materially updated 25 October 2026. See the methodology and full source list. Source data changes over time and critical decisions should be checked with the responsible authority.
Check a specific Tarnagulla address
See exactly which overlays touch a single property - the interactive map is free. Need it on paper? A full planning PDF is just $9.
See what's in the $9 report →The report's Aircraft Overflight page narrows that to the address itself: how many aircraft a day, how low, and at what heights.
Building or pricing a slab? The $119 geotechnical desktop report covers geology, soils, bores and the indicative soil reactivity range to expect for a Tarnagulla lot.
Tarnagulla planning - frequently asked
Is Tarnagulla flood-prone?
Flood mapping covers Tarnagulla and none of the suburb falls within a mapped flood overlay (the council-wide suburb average is 35%).
Is Tarnagulla bushfire-prone?
Around 100% of Tarnagulla is mapped as bushfire-prone, compared with a Loddon average of 100%.
Is Tarnagulla under a flight path?
Aircraft were observed over about 3% of Tarnagulla in the period sampled, but only above 3,000 ft - the lowest measured was 6,500 ft. Traffic is sampled rather than watched continuously and flight paths change with runway use, weather and season; the ANEF contour is the planning instrument.
What is the zoning in Tarnagulla?
The dominant planning zone in Tarnagulla is Public Conservation and Resource Zone (PCRZ), though the suburb also includes Farming Zone (FZ) and Township Zone (TZ).
Does Tarnagulla have heritage-listed places?
Tarnagulla has 24 heritage-listed places on record.
What is the typical lot size in Tarnagulla?
Across 515 surveyed parcels in Tarnagulla, the median lot size is about 1,032 m².
Does Tarnagulla have a train station?
There is no train station inside Tarnagulla itself. The suburb is served by 2 bus stops.
What is the population of Tarnagulla?
At the 2021 Census Tarnagulla had 153 usual residents, with a median age of 59 and an average household size of 1.9 people. The wider Loddon statistical area, which contains Tarnagulla, went from 8,033 people in 2001 to 7,231 in 2025, down 10%.
Is Tarnagulla an advantaged suburb?
On the ABS SEIFA 2021 index of relative socio-economic advantage and disadvantage (IRSAD), Tarnagulla scores 919 and sits in decile 2 of 10 nationally and decile 1 within Victoria (decile 1 is the most disadvantaged tenth, decile 10 the least).
What is the median household income in Tarnagulla?
Median household income in Tarnagulla was $779 a week at the 2021 Census, against $1,170 for the typical suburb in Loddon. Median rent was $155 a week and the median mortgage repayment $637 a month.
Compare nearby suburbs
| Nearby suburb | Distance | Flood mapped | Bushfire-prone |
|---|---|---|---|
| Llanelly | 5.3 km | 31% | 100% |
| Waanyarra | 5.3 km | 5% | 100% |
| Murphys Creek | 8.4 km | 11% | 100% |
| Newbridge | 8.7 km | 22% | 100% |
| Laanecoorie | 9.1 km | 25% | 100% |
| Painswick | 10.0 km | <1% | 100% |
| Arnold | 11.7 km | 41% | 100% |
| Arnold West | 12.7 km | 2% | 100% |
| Bromley Central Goldfields |
13.0 km | 47% | 100% |
| Dunolly Central Goldfields |
13.4 km | 17% | 100% |