Could a tree change work for you?

Mar 6, 2023 | Compliance, YOUR FAMILY, YOUR LIFE

Cleaner air, less traffic, open spaces, lower cost of living…did we mention less traffic? There are any number of reasons to consider a tree change, but if you’re serious about leaving the bright lights behind, better do your homework first.

Housing affordability

Buying a home is more affordable in the country, and that goes for renting too.

In Wodonga on the Victoria-NSW border, you can rent a 4 bedroom, 2 bathroom, modern family home for around $480 per week. You’d pay around $700 for a similar home in Melbourne’s Glen Waverley.

You could buy a 4 bed, 2 bath home on a 1,000 square meter block in Orange for just over $800,000, while a similar dwelling 250 ks up the road in Hornsby, Sydney could set you back over $1.5 million.

While property is generally cheaper to rent or buy in the country, you’ll need to consider other factors such as council rates.

Some regional municipalities cover large areas – that equates to a lot of maintenance with fewer residents. This means council and water rates can be pricier than in the city.

Another point to think about is bushfire zoning. If you’re in a high-risk area, insurance premiums can be more costly. When building a house in a bushfire-prone area you may be required to modify your building plans to accommodate the area’s fire rating. This will increase the cost of your project.

Make sure you do your sums. Talk to local councils about rates and levies. If buying land, read your Section 32 carefully and be aware of all zoning requirements.


Government incentives encourage industries and businesses to move to regional areas. As employment opportunities in regional areas grows, so too does the economic well-being of its towns.

This flow-on enables local governments to build and maintain community infrastructure such as parks and family-friendly spaces and resources, such as libraries, transport and shops. All of this provides a wide range of employment opportunities.

It’s a good idea, to check the job-market in the area, and if possible, have a job lined up before you make any final decisions.

Could you make it work?

Holidaying and living are two separate things. Try not to make the mistake of assuming an idyllic getaway will be your perfect permanent tree-change.

On holiday you’re relaxed; you’re not a taxi for your kids’ weekend activities, you’re not harried by housework, school and work pressures.

If you’re serious about moving to the country and you’ve a location in mind, do your due diligence. Start by researching the following:

  • Schools
    • primary/secondary/tertiary
    • adequate facilities and teaching resources
    • good range of subjects
    • good location

  • Medical
    • hospitals, doctors, dentists
    • ambulance service


  • Community
    • kids/adults sporting clubs
    • library
    • public transport
    • local theatre or art groups
    • swimming pool
    • well-maintained parks and gardens


  • Entertainment
    • bars, restaurants, cafes
    • theatre or cinema
    • shops

Australians are blessed with an abundance of wide-open spaces. If you’re dreaming of a tree change, do your research and draw up a plan; your dream could become reality.   

Do you have a question?

We’re here to help, don’t let your questions go unanswered. Complete your query below and we’ll respond.

Latest Blog Articles

Aged care and the family home

This article explains the potential impact of the value and use of the family home on aged care fees. – Aged care and the family home.

read more

All assets are not the same

This article explains the different asset classes. It covers cash, fixed interest, shares, property, and alternative assets. It is a good general education article to help your clients understand asset allocation in their investment portfolio. – All assets are not the same

read more

Rentvesting: the not-so-new phenomenon

This article explains a popular way to invest in residential property – rentvesting. It explains how it works and some of the associated issues to be aware of. – Renvesting: the not-so-new phenomenon.

read more

Is the FIRE Movement for you?

This article provides an introduction to the FIRE movement, including three practical tips that can be used to create healthy financial habits. – Is the Fire Movement for you?

read more

The material and contents provided in this publication are informative in nature only.
It is not intended to be advice and you should not act specifically on the basis of this information alone. If expert assistance is required, professional advice should be obtained.


Liability limited by a scheme approved under Professional Standards Legislation