Tarwin Lower is a small town located 175
kilometres (109 mi) south-east of Melbourne,
Australia. It rests on the south bank of the
Tarwin River and at the 2006 census, had a
population of 115.

The majority of Tarwin Lower is on its main
street — River Drive — and is often passed
through by holiday makers on their way to
nearby Venus Bay, or as a scenic route to
Walkerville and Waratah Bay. The main
shopping strip of Tarwin Lower is home to
several small shops [including supermarket,
Community Church (Uniting and Anglican
services alternate each Sunday, Catholic Mass
on Saturday 6pm), local Mechanics Institute
[hall], tennis courts and CFA. Behind River Drive
is the small primary school and the Community
Centre which hosts several small groups and is
visited by doctors, welfare nurse and occasional
other medical plus education services for
under school-age children.

During main holiday weekends and periods
throughout the year Tarwin Lower hosts a
decent market catering to all tastes. It is
mainly based at the Mechanic's Institute hall
and its surrounding land, and continues to
sprawl each time it runs.

At the western end of Tarwin Lower is the local
fishing jetty and a very long picnic table