It's not great news for residents of Goulburn with their average super account balance sitting at $118,954.
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Residents of the Hume electorate hold an average super account balance of $119,581 which is lower than the New South Wales state ($133,643) and national averages ($132,646).
Goulburn is placed in the bottom five suburbs and towns in terms of average super balance for Hume district.
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Bargo has the lowest average account balance of $99,970.
Meanwhile, Bundanoon has the highest average account balance in the region with an average super account balance of $205,724 followed by $168,808 in Exeter, $133,467 in Gunning and $130,254 in Crookwell.
This new data comes from the Association of Superannuation Funds of Australia (ASFA), the peak research body for Australia's superannuation industry.
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ASFA CEO Dr Martin Fahy said that geographic factors could strongly influence superannuation account balances, with balances in coastal or inner-city suburbs tending to be higher than for outer suburbs of cities.
"Superannuation account balances are tied to income, so areas with a higher proportion of high-income earners tend to have higher average superannuation account balances," Dr Fahy said.
"We see this in more affluent suburbs, in major cities, and in some 'sea change' or 'tree change' destinations."
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Average superannuation balances also vary with industry and occupation.
The self-employed also tend to have lower superannuation balances on an average.
According to the ASFA Retirement standard June quarter, couples aged around 65, need to spend $61,522 per year to achieve a comfortable retirement, whereas singles need to spend $43,601.
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"We know that all Australians want to achieve a comfortable retirement," Dr Fahy said.
"A comfortable retirement lifestyle enables an older, healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of such things as household goods, private health insurance, a reasonable car, good clothes and a range of electronic equipment.
"It also allows for domestic holiday travel, and occasional international holidays."
The legislated increase in Superannuation Guarantee to 12 per cent of salary will play an important role in helping more people achieve this, Dr Fahy said.
"However, if it doesn't reach 12 per cent, many Australians, including those from Southern NSW, risk missing out on the retirement lifestyle they had imagined," Dr Fahy said.
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