suburb.guide

VIC · Colac Otway Council

Birregurra, 3242

Est. population · Jun 2025

523

Growth (1 yr)

+1.0%

Growth (5 yr)

+4.6%

Median age

43

Median income

$1,521/wk

Employment rate

62.5%

University qualified

25.7%

Work from home

20.4%

Median house price · 4th Quarter 2025

$765,000

Languages at home

1.3%non-English

Mostly English at home

2021 Census · usual residence

Desirability score

47.6/100
Average

Top 48% of Victoria's suburbs

Verified 94% confidence

How this score is calculated
  • Green suburb
  • Agricultural
  • Rural living
What Birregurra is known for: Green suburb, Agricultural, Rural living

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Suburb Guide, “Birregurra, VIC Suburb Guide”, updated 1 October 2026, https://suburb.guide/vic/birregurra

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Suburb profile

Birregurra is a rural locality in Victoria, in Colac Otway Council.

Public transport coverage is exceptionally strong, placing it among the highest-ranked rural localities. Local school ICSEA scores are among the highest in the peer group, and open-space access is better than in most comparable places. Socio-economic advantage sits well above the peer median. The main trade-offs are higher housing costs and higher recorded crash rates relative to resident population, with median house prices 35% above the peer median.

Overall, Birregurra suits people prioritising school quality and public transport over lower housing costs.

Generated from the official metrics on this page. It can omit nuance or contain errors — check the tables and source notes before relying on it.

Strengths and weaknesses

Rural locality · compared with rural localities in Victoria (1828)

Strengths

  • Local school ICSEA scores are among the highest in the peer group
  • Public transport coverage is exceptionally strong
  • Open-space access is better than in most comparable places
  • Socio-economic advantage sits well above the peer median

Weaknesses

  • Housing is expensive relative to comparable places
  • Recorded crashes relative to resident population are elevated

What stands out

Nothing distinctive beyond the usual profile.

Who it suits

  • Families
  • Professionals
  • Retirees
  • Students
  • Budget buyers

Housing, growth and risk

How Birregurra compares

A quick read of housing, growth, livability, and risk

Median house price

$765k

4th Quarter 2025

Median rent (Census)

$300/wk

2021 Census median weekly rent

Population (ERP)

523

+1.0% annual growth

Dwelling vacancy

16.2%

Census unoccupied dwellings

Livability profile

Desirability pillars vs the peer median (50th percentile)

How it compares

Relative standing using percentiles, ranks, and national deciles

Desirability

#56

among Country & regional · Established

Crime rate

47th

percentile in state (higher = more crime)

Pop. growth

67th

percentile in VIC

Rented dwellings

16%

2021 Census tenure

Advantage (IRSAD)

8/10

national SEIFA decile

School ICSEA

69th

percentile among schools with ICSEA

Population growth

Recent ERP change over 1 and 5 years

Housing mix

Dwelling types from the 2021 Census

Risks & flags

Quick scan — open a section below for full context

Living here

Desirability

Ranks & confidence
Desirability score
47.6/100 — Average
State standing
Top 48% of Victoria's suburbs
National rank
2508th in Australia
State rank
600th in VIC
Peer rank
#56 among Country & regional · Established suburbs
Cohort rank
#269 among Country & regional suburbs
Data confidence
94%

Data sources & freshness

  • Suburb Guide desirability index — Suburb Guide (derived) · current · Updated

Housing

Median house price (4th Quarter 2025)
$765,000

Contributes to desirability score · Housing (10%) · Future Growth (6%)

Household crowding and healthy vacancy — not cheapness Modest price change as a healthy-growth band

Data sources & freshness

Population

Estimated resident population

523(June 2025)

+1.0% annual · +4.6% over 5 years · 67th percentile in VIC

Growth figures & methodology
Annual growth
+1.0%
5-year growth
+4.6%
Change in 1 year
+5
Change in 5 years
+23
Growth rank in VIC
67th percentile

ABS Estimated Resident Population allocated to this suburb from SA2-level data. Not an official ABS suburb count.

Methodology

Figures are allocated from ABS Estimated Resident Population at Statistical Area Level 2 (SA2), using 2021 Census share within overlapping SA2 regions. Where Census data is unavailable, area overlap is used instead.

The dashed chart line is a simple growth-trend estimate to June 2030 (~550), extrapolated at +0.7% average annual growth since 2011. It is illustrative only — not an official ABS forecast.

2021 Census figures

2021 Census

Population
942
Median age
43
Median household income / week
$1,521
Dwelling vacancy
16.2%
Unoccupied private dwellings
70 of 433
Median monthly mortgage
$1,517
Median weekly rent (2021 Census)
$300
Tenure (owned / mortgaged / rented)
43.8% / 40.6% / 15.6%
Employment rate
62.5%
Travel to work (WFH / public transport / car)
20.4% / 0.6% / 58.7%
Walked or cycled to work
6.1%
Dwelling mix (houses / semi / flats)
363 / 0 / 0

Contributes to desirability score · Community (12%) · Accessibility (12%) · Future Growth (6%)

Employment, household income and owned-outright tenure (2021 Census) Work-from-home and public-transport commute shares (2021 Census) Five-year population change as a healthy-growth band, not a boom bonus

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

  • Estimated Resident Population — Australian Bureau of Statistics · 2025 · Updated · SA2 ERP allocated to suburb boundaries

Qualifications

25.7% of adults have a university degree, compared with 29.2% across Victoria. 20.4% have a trade or vocational qualification.

  • University qualified25.7% · 29.2% VIC
  • Diploma qualified10.4% · 9.8% VIC
  • Trade / vocational20.4% · 14.2% VIC
  • Year 12 or below43.4% · 46.8% VIC

Highest qualification field

Main field of the highest non-school qualification (2021 Census).

  • Society and culture15.3%
  • Health13.1%
  • Education12.7%
  • Engineering and related technologies12.4%
  • Management and commerce12.2%
  • Architecture and building9.2%
How these groups are defined
MeasureDefinition
University qualifiedBachelor degree or higher
Diploma qualifiedAdvanced Diploma / Diploma
Trade / vocationalCertificate III + IV
Year 12Year 12 as highest attainment
Below Year 12Year 11 / 10 / 9 or below

People aged 15 years and over, 2021 Census. University, diploma and trade shares match ABS highest educational attainment (HEAP). Year 12 and below Year 12 are combined in the chart because the General Community Profile reports school-only attainment as a residual.

Contributes to desirability score · Community (12%)

University qualifications from the 2021 Census

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

Tax & income

Median taxable income (2023–24)
$51,664

42nd percentile in VIC · -12% vs Australia

Median salary / wages (2023–24)
$57,554

45th percentile in VIC · -11% vs Australia

Residents with rental investments
12.0%

45th percentile in VIC · -13% vs Australia

Median super balance (2023–24)
$94,439

70th percentile in VIC · +49% vs Australia

Residents with business income
16.0%

89th percentile in VIC · +54% vs Australia

Australian Taxation Office Taxation Statistics 2023–24, individuals Table 25. Figures describe taxpayers who live in postcode 3242 — not a suburb-level official statistic. Rental investment is the share of local taxpayers reporting rental income or loss, not the share of local properties owned by investors.

Counts, net rent & state comparison
Taxpayers in this postcode
671
Taxpayers reporting net rent
82
Median net rent
$186
Taxpayers reporting business income
105
Taxable income vs state median
-3%
Salary / wages vs state median
-1%
Rental investment vs state median
-8%
Super vs state median
+17%
Business income vs state median
+46%

Percentiles rank this postcode among unique postcodes in VIC, so suburbs that share a postcode are not counted twice. Dollar figures are compared with Australia-wide ATO medians from the same release. Median net rent is among taxpayers who reported the rent label and can be negative.

Data sources & freshness

  • Taxation Statistics 2023–24 — individuals by postcode (Table 25) — Australian Taxation Office · Updated · Annual release; taxpayer residential postcode, not suburb boundary

Seasonal & agricultural work

12.0% of employed residents work in agriculture, forestry and fishing, 5.2× the Australian share (2.3%) — compared with 2.1% across Victoria.

Agriculture, forestry & fishing
12.0%

51st percentile in VIC · +422% vs Australia

Resident workers (2021)
57
WHM specified work
Subclass 417 / 462

Postcode 3242

Occupation mix in this industry

2021 Census G56, residents employed in agriculture, forestry and fishing. Counts below 10 are not shown.

  • Managers38
  • Labourers13

Australian Bureau of Statistics, 2021 Census General Community Profile tables G54 (industry of employment) and G56 (industry by occupation), Statistical Area Level (suburb), place of usual residence. Figures are residents’ main job in the week before Census night — not jobs located in the suburb. Agriculture, forestry and fishing is the 1-digit ANZSIC division; grape growing and other 3- and 4-digit industries are not in this datapack. The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

Plant and animal cultivation in postcode 3242 (Regional Australia) may count as specified work for Working Holiday Maker visas (subclasses 417 and 462). This is a postcode rule from the Home Affairs instruments — not evidence that seasonal jobs exist here, and not a count of WHM residents. Home Affairs specified work · LIN 22/012 · LIN 22/013. Compilation used: 5 April 2025.

Region employment estimates (SA4, not this suburb)

Jobs and Skills Australia NERO modelled estimates for Warrnambool and South West (SA4 217), 2026-08. These figures describe the broader region, not this suburb, and occupations are not added together.

  • Livestock Farmers ANZSCO 12132,501
  • Livestock Farm Workers ANZSCO 84151,483
  • Mixed Crop and Livestock Farmers ANZSCO 1214640
  • Agricultural, Forestry and Horticultural Plant Operators ANZSCO 7211414
  • Crop Farmers ANZSCO 1212140
  • Forestry and Logging Workers ANZSCO 841368
  • Crop Farm Workers ANZSCO 841266
  • Mixed Crop and Livestock Farm Workers ANZSCO 841665
  • Other Farm, Forestry and Garden Workers ANZSCO 841963
  • Aquaculture Workers ANZSCO 841110

Warrnambool and South West is a Statistical Area Level 4. Fruit, nut and vegetable workers are not published separately in NERO (they sit under ANZSCO 8412). Jobs and Skills Australia warns not to sum occupations or geographies. NERO data. Nowcast of Employment by Region and Occupation, Jobs and Skills Australia, Commonwealth of Australia. CC BY 4.0.

Census employed residents counted in G54: 475 · AFF share +471% vs the state.

Data sources & freshness

  • 2021 Census — industry of employment (G54/G56), place of usual residence — Australian Bureau of Statistics · Updated · Resident main job in the week before Census night, not jobs located in the suburb

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

  • WHM specified work areas (LIN 22/012 and LIN 22/013) — Department of Home Affairs · 2025-04-05 · Updated · Postcode eligibility for plant and animal cultivation; not a count of WHM residents
  • Nowcast of Employment by Region and Occupation (NERO), SA4 × ANZSCO 4-digit — Jobs and Skills Australia · 2026-08 · Updated · Monthly modelled SA4 estimates; not suburb-level. CC BY 4.0

Community & culture

1.3% speak a language other than English at home; 10.8% born overseas

Language at home
879 English only · 12 other
Non-English at home
1.3%
Born overseas
95 (10.8%)
Aboriginal and/or Torres Strait Islander
9 (1%)
Australian citizens
853

Religion

58.4%No religion

No religion is the most common response at 58.4%, while Christianity accounts for 34.8%.

MeasureSuburbState
No religion58.4%38.8%
Christianity34.8%40.9%
Other / not stated6.8%20.3%
Christian denominations
DenominationSuburbState
Catholic19.5%20.5%
Anglican7.3%6.5%
Uniting Church3.2%2.4%

2021 Census — languages spoken at home, birthplace, Indigenous status, and religious affiliation (usual residence). Religion is optional on the Census form.

Data sources & freshness

  • 2021 Census — General Community Profile (including method of travel to work and educational attainment) — Australian Bureau of Statistics · Updated

    The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.

Crime & safety

Reported offences increased compared with the previous period.

Offence counts & rates
Total offences (2026)
26
Against the person
7
Against property
11
Rate per 1,000 residents
49.7
Person-crime prevalence
About 1 in 135 residents
State crime-rate percentile
46.5th (higher = more crime)
Increase (daily rate)
+52.9%
Recorded road crashes (in suburb)
48
Crash rate per 1,000 residents (state rank)
91.78

Most common offence types

  • B41 Motor Vehicle Theft3
  • B49 Other Theft4
  • E22 Breach Intervention Order3
  • B21 Criminal Damage2
  • Other Crimes Against The Person5

Contributes to desirability score · Safety (22%)

Crime rate, offences against the person, year-on-year trend and recorded road crash rates

Data sources & freshness

Family & Lifestyle

Schools & preschools

Schools within 2 km
1
Median school ICSEA
1,052
Median ICSEA percentile
69th
Primary catchments overlapping suburb
3
Secondary catchments overlapping suburb
2
School list
  • Birregurra Primary SchoolPrimary · Government · ICSEA 1052 · 69th percentile · LBOTE 2% · 115 students · Top SEA quarter 18%View on My School →
School catchments
  • Birregurra Primary SchoolGovernment school catchment overlapping this suburb boundaryprimary_catchment
  • Colac Secondary CollegeGovernment school catchment overlapping this suburb boundarysecondary_catchment
  • Deans Marsh Primary SchoolGovernment school catchment overlapping this suburb boundaryprimary_catchment
  • Lorne P-12 CollegeGovernment school catchment overlapping this suburb boundarysecondary_catchment
  • Winchelsea Primary SchoolGovernment school catchment overlapping this suburb boundaryprimary_catchment

Government school intake zones that overlap this suburb boundary. Living in a catchment does not guarantee enrolment; check the education authority.

Contributes to desirability score · Education (14%)

Median school ICSEA first, then school and catchment counts

Data sources & freshness

Public transport

7 public transport stops in this suburb

  • Austin St/Warncoort-Birregurra Rd
  • Austin St/Warncoort-Birregurra Rd
  • Birregurra Railway Station
  • Birregurra Station
  • Birregurra Station/Birregurra Rd

Contributes to desirability score · Accessibility (12%)

Public transport stops per 1,000 residents and walkability

Data sources & freshness

Amenities

1 mapped amenities

Local character & venue list

Local character

  • Limited walkable amenities nearby
Walkability proxy
11/100
Cafés per 1,000 residents
0
Food & drink per 1,000 residents
0
Parks per 1,000 residents
1.06
Sport & outdoors(1)
  • Yeo Streamside ReserveNature reserve

Names and addresses from OpenStreetMap. Unnamed venues show as their type (e.g. Cafe). Transport stops are summarised by type rather than listed individually. Campgrounds, beaches, wineries and local trails are included when they sit inside the suburb boundary.

Contributes to desirability score · Lifestyle (12%)

Food, shopping, recreation and sport per 1,000 residents (OpenStreetMap)

Data sources & freshness

  • Local amenity insights — Suburb Guide (derived) · current · Updated
  • OpenStreetMap amenities — OpenStreetMap contributors · current · Updated

Sporting clubs

2 named sporting clubs in this suburb

  • Birregurra Bowls Club

    Lawn Bowls

  • Birregurra Golf Club

    Golf · +61 3 5236 2308

Named sporting clubs from OpenStreetMap, assigned to this suburb's boundary. Sporting facilities such as ovals, courts and recreation centres are listed under Amenities.

Data sources & freshness

  • OpenStreetMap sporting clubs — OpenStreetMap contributors · current · Updated · Geofabrik australia-latest.osm.pbf

Parks & reserves

2 parks and public open space in this suburb

  • Birregurra ParkPark
  • Yeo Streamside ReserveNature reserve

Data sources & freshness

Green cover

Green cover of suburb area
0.3%
Woodland / forest cover
0.3%
Parks & woodland features (OSM)
112
Parks (OSM)
1
Typical summer maximum
26°C

Green cover is the share of this suburb's boundary overlapping OpenStreetMap parks, woodland and forest polygons — not a satellite tree-canopy product. Summer maximum is the WorldClim / Open-Meteo seasonal normal already collected for Weather.

Contributes to desirability score · Environment (12%)

Tree canopy first, then green-cover area and parks per 1,000

Data sources & freshness

  • OpenStreetMap green cover and tree canopy — OpenStreetMap contributors · current · Updated · Park/woodland polygons intersected with suburb boundaries

Health access

Hospitals & GP clinics in suburb
2
Nearest hospital
Winchelsea Hospital (17.5 km)
Nearest hospital type
Hospital
Nearest hospital emergency
Emergency department
Emergency department in suburb
Not in suburb
GP clinics in suburb
1
GPs tagged bulk billing (OSM)
0 of 1

GP clinic counts from OpenStreetMap. Bulk-billing figures only include clinics tagged in OSM (sparse and unofficial — not a Medicare list).

  • Birregurra Community Health CentreStrachan StreetGP
  • Birregurra PharmacyMain StreetPharmacy

Contributes to desirability score · Accessibility (12%)

Hospitals, GPs and aged care

Data sources & freshness

NDIS participation

NDIS participants (31 March 2026)
16
Participants per 1,000 residents
30.6

Active NDIS participants allocated from NDIA Statistical Area Level 2 (SA2, ASGS 2016) counts to this suburb boundary. Not an official suburb-level NDIS figure · as at 31 March 2026.

For NDIS spend and service-demand exploration by SA2 or postcode, see the Care Sector Demand Map.

Data sources & freshness

Weather

Typical conditions by season for suburbs in the same ~44 km climate area. Rainfall totals are summed from monthly WorldClim layers; rainy-day counts are approximate.

Summer (Dec–Feb)

Usual max / min
26° / 12°
Rainfall
128 mm · ~16 rainy days

Autumn (Mar–May)

Usual max / min
21° / 10°
Rainfall
124 mm · ~16 rainy days

Winter (Jun–Aug)

Usual max / min
14° / 6°
Rainfall
149 mm · ~19 rainy days

Spring (Sep–Nov)

Usual max / min
19° / 8°
Rainfall
182 mm · ~23 rainy days

Contributes to desirability score · Lifestyle (12%)

Temperature and humidity comfort

Data sources & freshness

  • Seasonal climate normals — WorldClim 2.1 · Updated

Future & Planning

Planning & development

Development applications from PPARS statewide register (lodged 2020–2022). Free public PPARS MapServer — applications through ~2022 (service last updated Feb 2024).

14 planning-related records

2021· 7 proposals

  • August 2021

  • Building and Works Comprising Construction of Outbuilding
    47 BARRY STREET BIRREGURRA 3242Permit issued by a delegate of the RA
  • Partial Demolition of Dwelling, Demolition of Outbuildings and Removal of Fence, and Building and Works Comprising Extensions and Alterations to Dwelling, Construction of Domestic Swimming Pool, External Painting, Construction of Outbuilding, Boundary Wall and Fences, and Removal of Vegetation (20 Trees)
    2 PARK LANE BIRREGURRA 3242Permit issued by a delegate of the RA

  • July 2021

  • Extension to Existing Dwelling
    90 BIRREGURRA FORREST ROAD BIRREGURRA 3242No permit required
  • Buildings and Works Comprising Construction of Extensions to Dwelling
    1 LUMEAH ROAD BIRREGURRA 3242Permit issued by a delegate of the RA

  • June 2021

  • Demolition of Two (2) Outbuildings and Wall/Fence, External Alteration s Including Removal of Chimney, Changes to Fenestration, Replacement Cladding and Replacement Stairs and Ramp, and Construction of Outbuilding, Deck and Two Fences
    49 Main StreetPermit issued by a delegate of the RA

  • February 2021

  • Building and Works Associated with Conversion of Outbuilding to Dwelli ng (Retrospective)
    21 BEAL STREET BIRREGURRA 3242Permit issued by a delegate of the RA

  • January 2021

  • Buildings and Works Comprising Construction of a Dwelling
    27 HOPKINS STREET BIRREGURRA 3242Permit issued by a delegate of the RA
2020· 7 proposals

  • December 2020

  • Building and Works Comprising Extension and Alteration to Dwelling
    580 Birregurra Yeodene RoadPermit issued by a delegate of the RA

  • November 2020

  • Construction of a Dwelling and Associated Works
    51 Ennis StreetPermit issued by a delegate of the RA

  • October 2020

  • Buildings and Works Associated with Horse Husbandry (Roofed Horse Ridi ng Arena) and Alteration of Access to a Road in a Road Zone Category 1
    70 Birregurra RoadWithdrawn

  • July 2020

  • Subdivision of the Land into Six (6) Lots
    33 BARRY STREET BIRREGURRA 3242Permit issued by a delegate of the RA

  • June 2020

  • Two (2) Lot Re-Subdivison and Creation of Carriageway Easement
    20 Lumeah RoadPermit issued by a delegate of the RA

  • May 2020

  • Subdivision of the Land into Two (2) Lots
    14 Main StreetPermit issued by a delegate of the RA

  • April 2020

  • Construct a building associated with the use of the land for agriculture within 100 metres of a waterway
    3180 CAPE OTWAY ROADPermit issued by a delegate of the RA

Data sources & freshness

Heritage

1 heritage place

  • INGLEBY HOMESTEAD & OUTBUILDINGSNH0364

Contributes to desirability score · Environment (12%)

Heritage listings as established streetscape

Data sources & freshness

  • State heritage register — State heritage authority · current · Updated

Hazards

Bushfire planning zone
No overlay at centroid
Flood / inundation overlay
No mapped inundation on suburb boundary

Bushfire overlay checked at suburb centroid via Victorian Bushfire Management Overlay mapping. Flood cover uses inundation overlay polygons against the suburb boundary where published.

Contributes to desirability score · Safety (22%)

Bushfire and flood hazard overlays

Data sources & freshness

  • Bushfire and flood planning overlays — State government hazard layers · current · Updated

Politics & representation

Federal electorate
Wannon
Member of Parliament
Dan TEHAN (Liberal)
Results from
2025 federal election
Electorate enrolment (2025)
121,788
Turnout (2025)
94.0%
Swing since 2022 (2025)
-2.3 pp toward Coalition

Two-party preferred (2025)

Coalition 60.9%Labor 39.1%

Estimated suburb voting profile

Estimated from 8 nearby ordinary polling places (up to 21.9 km away).

Coalition 49.4%Labor 50.6%

11.5 percentage points more Labor-leaning than the electorate

Estimated swing since 2022: +50.6 pp toward Labor

Nearest polling places

  • BirregurraLabor 49.4% · Coalition 50.6% TPP (2025)3.3 km away
  • Deans MarshLabor 62.6% · Coalition 37.4% TPP (2025)8.2 km away
  • Winchelsea SouthLabor 45.3% · Coalition 54.7% TPP (2025)17.9 km away
  • WinchelseaLabor 43.6% · Coalition 56.4% TPP (2025)18.6 km away
  • Colac EastLabor 42.0% · Coalition 58.0% TPP (2025)19.6 km away

Federal electorate from AEC federal division boundaries (2025 redistribution). Division-level results are official AEC figures from the latest general election, with by-election updates where applicable. The estimated suburb profile blends up to eight nearest ordinary polling booths in the same electorate using inverse-distance weighting from the suburb centroid — an approximation, not official AEC data. Nearest polling places are shown for reference.

Data sources & freshness

Socio-economic

IRSAD decile (2021)
8/10
IRSD decile (2021)
9/10

ABS Socio-Economic Indexes for Areas (SEIFA), 2021 release — the latest available, derived from the 2021 Census. Deciles rank suburbs nationally from 1 (lowest) to 10 (highest).

What do IRSAD and IRSD measure?

IRSAD — Index of Relative Socio-economic Advantage and Disadvantage. Combines indicators of advantage (e.g. high income, skilled occupations) and disadvantage. Higher decile = more advantaged relative to other Australian areas.

IRSD — Index of Relative Socio-economic Disadvantage. Focuses on disadvantage only (e.g. low income, unemployment, limited education). Higher decile = less disadvantage nationally.

A new SEIFA edition typically follows each census; the ABS has not announced a release date beyond 2021.

Contributes to desirability score · Community (12%)

Socio-economic advantage (IRSAD and IRSD deciles)

Data sources & freshness

Compare with

Similar suburbs to weigh up side by side — scores, safety, schools, and lifestyle.

More in Colac Otway Council

Other suburbs in the same local government area.

Comparable suburbs

Similar population and socio-economic profile in other parts of Victoria.