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 was 10,808 as of November 2025, according to AreaSearch's analysis. This figure represents a growth of 673 people, a 6.6% increase since the 2021 Census which recorded a population of 10,135. The population estimate for June 2024 was 10,548, with an additional 94 validated new addresses contributing to the growth. This results in a density ratio of 491 persons per square kilometer. Bolton Point-Teralba's growth exceeded that of the Rest of NSW at 5.7%, making it a regional growth leader. Interstate migration accounted for approximately 84.6% of overall population gains during recent periods.

AreaSearch uses ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022. For areas not covered by this data, NSW State Government's SA2 level projections from 2022 using a 2021 base year are applied. Growth rates by age group are used for all areas from 2032 to 2041. By 2041, Bolton Point-Teralba is forecasted to increase by 2,931 persons, reflecting a total increase of 24.7% over the 17 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 between FY-21 and FY-26. A total of 296 homes were approved over the past five financial years, with an additional 9 approved in FY-26 to date. On average, 3.6 people moved to the area for each dwelling built during this period.

This significant demand outpaces supply, potentially exerting upward pressure on prices and intensifying competition among buyers. The average construction cost of new properties is approximately $288,000, aligning with regional trends. In FY-26, commercial approvals totaled $3.3 million, 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 assessed areas. New building activity comprises approximately 82.0% standalone homes and 18.0% medium and high-density housing, maintaining the area's low density character and attracting space-seeking buyers with its emphasis on detached housing. The location has around 213 people per dwelling approval, indicating a low density market. According to AreaSearch quarterly estimates, Bolton Point-Teralba is projected to gain approximately 2,671 residents by 2041. If current development rates persist, 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 30% nationally

Changes to local infrastructure significantly impact an area's performance. AreaSearch has identified 14 projects potentially affecting the region. Notable initiatives include 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 most relevant.

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

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Employment performance in Bolton Point - Teralba has been below expectations when compared to most other areas nationally

Bolton Point - Teralba has a skilled workforce with essential services sectors well represented. The unemployment rate was 5.0% as of September 2021, with an estimated employment growth of 2.3% over the past year. As of September 2025, there are 4,993 residents in work and the unemployment rate is 1.2% higher than Rest of NSW's rate of 3.8%.

Workforce participation is broadly similar to Rest of NSW's 61.5%. According to Census responses from 2021, a moderate 20.1% of residents worked from home. Employment among residents is concentrated in health care & social assistance, construction, and retail trade.

Agriculture, forestry & fishing has limited presence with only 0.5% employment compared to the regional average of 5.3%. The area appears to offer limited local employment opportunities as indicated by the count of Census working population vs resident population. Over the 12 months to September 2025, employment increased by 2.3% while labour force increased by 3.3%, resulting in an unemployment rise of 0.9 percentage points. In comparison, Rest of NSW recorded an employment decline of 0.5%, labour force decline of 0.1%, with unemployment rising by 0.4 percentage points. Jobs and Skills Australia's national employment forecasts from May-25 suggest that national employment is forecast to expand by 6.6% over five years and 13.7% over ten years, but growth rates differ significantly between industry sectors. 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 income of $68,318 in the financial year 2023, according to postcode level ATO data aggregated by AreaSearch. This was approximately average nationally, compared to Rest of NSW's median income of $52,390 and average income of $65,215. Based on Wage Price Index growth of 8.86% since financial year 2023, estimated incomes as of September 2025 would be approximately $60,281 (median) and $74,371 (average). According to the 2021 Census, household, family, and personal incomes in Bolton Point - Teralba ranked modestly, between the 31st and 34th percentiles. In terms of income distribution, 32.1% of individuals earned between $1,500 and $2,999, similar to the broader area where 29.9% fell into this bracket. Housing affordability pressures were 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

Dwelling structure in Bolton Point-Teralba, as per the latest Census, consisted of 87.9% houses and 12.1% other dwellings (semi-detached, apartments, 'other' dwellings), compared to Non-Metro NSW's 82.6% houses and 17.4% other dwellings. Home ownership in Bolton Point-Teralba was at 32.9%, with the rest being mortgaged (39.4%) or rented (27.7%). The median monthly mortgage repayment was $1,733, aligning with Non-Metro NSW's average, while median weekly rent was $333, compared to Non-Metro 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% of the total. The median household size is 2.5 people, which is larger than the Rest of 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 the 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 education, 7.7% in secondary education, and 4.1% pursuing 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 offering a mix of train and bus services. These stops are served by 73 individual routes, facilitating 1,498 weekly passenger trips in total. The area's transport accessibility is rated excellent, with residents typically located 172 meters from the nearest stop. Most commuting in this primarily residential region is outward-bound, with cars being the dominant mode of transport at 95%. On average, there are 1.5 vehicles per dwelling. According to the 2021 Census, 20.1% of residents work from home, which may be influenced by COVID-19 conditions.

The service frequency averages 214 trips per day 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 (~5,760 people), slightly higher than the average SA2 area. Mental health issues and arthritis are the most common medical conditions in the area, impacting 11.4% and 10.8% of residents respectively. However, 59.0% of residents declare themselves completely clear of medical ailments, compared to 63.3% across Rest of NSW. The working-age population faces notable health challenges due to elevated chronic condition rates. The area has 20.4% of residents aged 65 and over (2,210 people), lower than the 23.0% in Rest of NSW. Health outcomes among seniors present some challenges, with national rankings generally in line with the general 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 had a cultural diversity below average, with 91.2% of its population being Australian citizens, 90.1% born in Australia, and 95.2% speaking English only at home. Christianity was the predominant religion, comprising 52.6% of the population, compared to 55.9% across the rest of NSW. The top three ancestry groups were Australian (31.9%), English (31.9%), and Scottish (7.8%).

Notably, Australian Aboriginal people were overrepresented at 5.4%, Welsh at 0.7%, and Samoan at 0.4%.

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

Bolton Point-Teralba's median age is 41 years, which is lower than Rest of NSW's average of 43 but higher than Australia's national average of 38. The 25-34 age group constitutes 14.1% of the population, compared to Rest of NSW's percentage, while the 65-74 age group makes up 10.2%. According to data from the 2021 Census, Bolton Point-Teralba's median age has decreased by 1 year to 41 years due to a shift in its population towards younger residents. Between the 2016 and 2021 censuses, the 35-44 age group grew from 11.2% to 13.2%, and the 25-34 cohort increased from 12.7% to 14.1%. Conversely, the 55-64 age group decreased from 13.0% to 11.1%. Population forecasts for Bolton Point-Teralba in 2041 suggest significant demographic changes. The 35-44 age group is projected to grow by 50%, adding 719 residents and reaching a total of 2,152 residents. Meanwhile, the 55-64 age group is expected to decrease by 9 residents.