Tarwin Lower is a small town located 175 kilometres (109 mi) south-east of Melbourne, Australia.

The main shopping strip 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.

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 the town is the local fishing jetty and a very long picnic table.

A walk along the boardwalk exists along the banks of the River from Venus Bay to Tarwin Lower.