Research from the Association of Superannuation Funds of Australia, shows the average super balance in Farrer is $126,300, compared to Indi's average of $139,048.

Residents in Mulwala were found to have $170,397 in super on average, while the average superannuation fund in Urana has just $79,320 in savings.

ASFA chief executive Martin Fahy said rural and regional areas have a relatively high level of self-employed people, especially in the agricultural industry, which could help explain the variations. He said self-employed people tend to have lower super balances because contributions aren't mandatory.

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Both Farrer and Indi's average super balances were lower than their respective state average.

In Victoria the average super balance is $142,412, more than $3000 higher than the average Indi superannuation account balance of $139,048. While the average Farrer super account, $126,300, is $7000 less than NSW's average of $133,643.

Dr Fahy said geographical areas could strongly influence super balances, especially if an area has a lot of people working in a particular industry.

"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," he said.

Dr Fahy said couples aged 65 need about $61,061 a year for a comfortable retirement while a single person needs about $43,255 a year.

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