Bolton Point - Teralba

Population growth drivers in Bolton Point - Teralba are strong compared to national averages based on AreaSearch's ranking of recent, and medium to long-term trends

Bolton Point - Teralba's population is 10,637 as of May 2026, reflecting a 5.0% increase since the 2021 Census which reported a population of 10,135 people. This change is inferred from an estimated resident population of 10,625 in June 2025 and an additional 92 validated new addresses since the Census date. The population density ratio is 484 persons per square kilometer. Bolton Point - Teralba's growth exceeded Rest of NSW's 4.9% between 2021 and May 2026, driven primarily by interstate migration contributing approximately 75.3% of overall population gains. AreaSearch uses ABS/Geoscience Australia projections for each SA2 area released in 2024 with a base year of 2022, and NSW State Government's SA2 level projections for areas not covered by this data, released in 2022 with a base year of 2021. Growth rates by age group are applied to all areas from 2032 to 2041.

By 2041, Bolton Point - Teralba is forecasted to increase by 2,541 persons based on the latest annual ERP population numbers, reflecting a total increase of 23.8% over the 16 years.

AreaSearch assessment of residential development activity positions Bolton Point - Teralba among the top 25% of areas assessed nationwide

Bolton Point-Teralba averaged approximately 59 new dwelling approvals annually over the past five financial years, from FY21 to FY25. A total of 296 homes were approved during this period, with an additional 13 approved so far in FY26. On average, 3.6 people moved to the area for each dwelling built annually between FY21 and FY25.

This high demand outpaces supply, typically exerting upward pressure on prices and intensifying competition among buyers. The average construction cost of new properties is around $288,000, aligning with regional trends. In FY26, commercial approvals valued at approximately $3.3 million have been registered, reflecting the area's predominantly residential nature.

Compared to the rest of NSW, Bolton Point-Teralba records about 66% of building activity per person and ranks among the 68th percentile nationally in terms of building activity. New building activity comprises primarily standalone homes (82.0%) with a smaller proportion of medium and high-density housing (18.0%), preserving the area's low density character and attracting space-seeking buyers. The location has approximately 213 people per dwelling approval, indicating a low-density market. According to AreaSearch's latest quarterly estimate, Bolton Point-Teralba is projected to gain around 2,529 residents by 2041. If current development rates continue, housing supply may struggle to keep pace with population growth, potentially increasing competition among buyers and supporting stronger price growth.

Bolton Point - Teralba has strong levels of nearby infrastructure activity, ranking in the top 40% nationally

AreaSearch has identified a total of 14 projects that are expected to impact the area significantly due to their potential influence on local infrastructure, major projects, and planning initiatives. Among these key projects are Lake Macquarie High School HPGE Upgrades, Speers Point Transport Improvements, Toronto Foreshore Revitalisation, and 114-120 Cary Street Mixed Use Development. The following list details those projects that are likely to be most relevant.

Professional plan users can use the search below to filter and access additional projects.

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Employment drivers in Bolton Point - Teralba are experiencing difficulties, placing it among the bottom 20% of areas assessed across Australia

Bolton Point - Teralba has an unemployment rate of 5.9%. As of December 2025, the unemployment rate is 5.9%. The workforce participation rate is 60.5%, on par with Regional NSW's rate.

A moderate 20.1% of residents work from home. Leading employment industries are health care & social assistance, construction, and retail trade. Agriculture, forestry & fishing employs only 0.5% of local workers, below Regional NSW's 5.3%.

Over the 12 months to December 2025, labour force levels increased by 1.4%, while employment declined by 0.9%, causing unemployment to rise by 2.2 percentage points. This contrasts with Regional NSW where employment contracted by 1.2%, the labour force fell by 0.8%, and unemployment rose by 0.4 percentage points. Jobs and Skills Australia forecasts national employment growth of 6.6% over five years and 13.7% over ten years. Applying these projections to Bolton Point - Teralba's employment mix suggests local employment should increase by 6.6% over five years and 13.9% over ten years.

The area's income profile falls below national averages based on AreaSearch analysis

Bolton Point - Teralba SA2 had a median taxpayer income of $55,375 and an average of $68,318 in the latest postcode level ATO data aggregated by AreaSearch for financial year 2023. This is roughly national average, contrasting with Regional NSW's median income of $52,390 and average income of $65,215. Based on Wage Price Index growth of 10.32% since financial year 2023, estimated incomes as of March 2026 would be approximately $61,090 (median) and $75,368 (average). According to Census 2021 income data, household, family and personal incomes in Bolton Point - Teralba rank modestly, between the 31st and 34th percentiles. Income analysis shows that 32.1% of individuals earn within the $1,500 - 2,999 bracket (3,414 individuals), similar to the regional proportion of 29.9%. Housing affordability pressures are severe, with only 83.0% of income remaining after housing costs, ranking at the 32nd percentile.

Bolton Point - Teralba is characterized by a predominantly suburban housing profile, with ownership patterns similar to the broader region

In Bolton Point - Teralba, as per the latest Census, 87.9% of dwellings were houses with the remaining 12.1% being semi-detached, apartments, or other types. This compares to Regional NSW's figures of 82.6% houses and 17.4% other dwellings. Home ownership in Bolton Point - Teralba stood at 32.9%, with mortgaged dwellings at 39.4% and rented ones at 27.7%. The median monthly mortgage repayment was $1,733, aligning with Regional NSW's average, while the median weekly rent was $333 compared to Regional NSW's $330. Nationally, Bolton Point - Teralba's mortgage repayments were lower than the Australian average of $1,863, and rents were substantially below the national figure of $375.

Bolton Point - Teralba has a typical household mix, with a higher-than-average median household size

Family households account for 72.2% of all households, including 28.6% couples with children, 27.5% couples without children, and 14.9% single parent families. Non-family households constitute the remaining 27.8%, with lone person households at 25.4% and group households comprising 2.4%. The median household size is 2.5 people, larger than the Regional NSW average of 2.4.

Educational outcomes in Bolton Point - Teralba fall within the lower quartile nationally, indicating opportunities for improvement in qualification attainment

The area's university qualification rate is 17.7%, significantly lower than the NSW average of 32.2%. Bachelor degrees are most common at 12.5%, followed by postgraduate qualifications (3.1%) and graduate diplomas (2.1%). Vocational credentials are prevalent, with 42.9% of residents aged 15+ holding them, including advanced diplomas (10.5%) and certificates (32.4%). Educational participation is high at 28.0%, with 9.7% in primary, 7.7% in secondary, and 4.1% in tertiary education.

Educational participation is notably high, with 28.0% of residents currently enrolled in formal education. This includes 9.7% in primary education, 7.7% in secondary education, and 4.1% pursuing tertiary education.

Transport servicing is moderate compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility

Bolton Point - Teralba has 95 active public transport stops, served by 73 routes. These provide 1,498 weekly passenger trips. Residents are typically 172 meters from the nearest stop. Car remains dominant at 95%. Average vehicle ownership is 1.5 per dwelling. According to the 2021 Census, 20.1% of residents work from home.

Service frequency averages 214 trips daily across all routes, equating to approximately 15 weekly trips per stop.

Health performance in Bolton Point - Teralba is a key challenge with a range of health conditions having marked impacts on both younger and older age cohorts

Bolton Point - Teralba faces significant health challenges, as indicated by AreaSearch's assessment of mortality rates and chronic condition prevalence.

A variety of health conditions affect both younger and older age groups, with private health cover at approximately 53% of the total population (~5,669 people), slightly higher than the average SA2 area. Mental health issues and arthritis are the most prevalent medical conditions in the region, impacting 11.4% and 10.8% of residents respectively. However, 59.0% of residents claim to be completely free from medical ailments, compared to 63.3% across Regional NSW. Working-age individuals face notable health challenges due to higher chronic condition rates. The area has 20.5% of residents aged 65 and over (2,176 people), lower than the 23.4% in Regional NSW. Health outcomes among seniors present some challenges, with national rankings generally in line with the overall population.

Bolton Point - Teralba is considerably less culturally diverse than average when assessed alongside AreaSearch's national rankings for language and cultural background related metrics

Bolton Point-Teralba, as per the 2016 Census, had a cultural diversity index of below average with 91.2% citizens, 90.1% born in Australia, and 95.2% speaking English only at home. Christianity was the predominant religion, comprising 52.6%, compared to 55.9% regionally. Ancestry wise, Australian (31.9%), English (31.9%), and Scottish (7.8%) were the top groups.

Notably, Australian Aboriginal (5.4%) was overrepresented compared to regional average of 4.6%. Welsh (0.7%) and Samoan (0.4%) also showed higher representation than regional averages of 0.5% and 0.1% respectively.

Bolton Point - Teralba's median age exceeds the national pattern

Bolton Point - Teralba's median age is 41 years, which is lower than the Regional NSW average of 43 but higher than the national average of 38. The 25-34 age group makes up 14.0% of the population, compared to Regional NSW, while the 65-74 cohort constitutes 10.5%. Post-2021 Census data shows a decrease in median age by 1.1 years to 41 due to younger residents. The 35-44 age group grew from 11.2% to 13.4%, and the 25-34 cohort increased from 12.7% to 14.0%. Conversely, the 55-64 cohort declined from 13.0% to 10.9%, and the 85+ group dropped from 3.8% to 2.7%. By 2041, population forecasts indicate substantial demographic changes. The 35-44 age group is projected to grow by 44%, adding 633 residents to reach 2,064. The 65-74 cohort is expected to grow by 1%.