Sorted this once on a V50 - it was the jack loose in the boot...
Seriously though I would check in the boot area for anything rattling about.
When the diff's go it's usually a whine and it's very rare. Under normal driving there is little to no power going to the rear (past the AOC coupling) - I would check engine mountings first.
Maybe get someone to drive you so you can sit in the rear and get a better idea which end of the car it is coming from?
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2011 XC90 D5 Executive
2003 C70 T5 GT
2012 Ford Ranger XL SC
1977 Triumph Spitfire 1500
1976 Massey Ferguson 135
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