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 around 10,623 as of Nov 2025. This reflects an increase of 488 people since the 2021 Census, which reported a population of 10,135 people. The change is inferred from the estimated resident population of 10,548 in June 2024 and an additional 94 validated new addresses since the Census date. This level of population equates to a density ratio of 483 persons per square kilometer. Over the past decade, Bolton Point - Teralba has demonstrated resilient growth patterns with a compound annual growth rate of 1.8%, outpacing its SA4 region. Population growth was primarily driven by interstate migration, contributing approximately 84.6% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022. For areas not covered by this data, AreaSearch utilises NSW State Government's SA2 level projections, released in 2022 with a base year of 2021. Growth rates by age group from these aggregations are applied to all areas for years 2032 to 2041. By 2041, Bolton Point - Teralba is forecasted to increase its population by 2,931 persons based on the latest annual ERP population numbers, reflecting a total increase of 26.9% 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 over the past five financial years, from FY21 to FY25, with a total of 296 homes approved during this period. In FY26 up to present, 9 dwellings have been approved. On average, about 3.6 people moved to the area each year for every dwelling built between FY21 and FY25, indicating significant demand outpacing supply.

This imbalance typically exerts upward pressure on property prices and intensifies competition among buyers. The average construction cost of new properties in the area is around $288,000, aligning with regional trends. In this financial year alone, approximately $3.3 million worth of commercial approvals have been registered, reflecting the area's predominantly residential character.

Compared to the rest of NSW, Bolton Point - Teralba records about 66% of the building activity per person and ranks among the 68th percentile nationally in terms of assessed areas for new building activity. The majority of new developments are standalone homes, with 82.0%, while medium and high-density housing accounts for 18.0%. This emphasis on detached housing contributes to a low-density market, attracting buyers seeking space. Currently, there are approximately 213 people per dwelling approval in the area. According to AreaSearch's latest quarterly estimate, Bolton Point - Teralba is projected to gain around 2,856 residents by 2041 if current development rates persist. However, housing supply may not keep pace with population growth under these conditions, 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

Area infrastructure can significantly impact performance. AreaSearch identified 14 projects potentially affecting the area. Key projects 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 an unemployment rate of 5.0% as of September 2025. This is 1.2% higher than the Rest of NSW's rate of 3.8%.

The workforce participation rate in Bolton Point - Teralba is 54.0%, lower than the Rest of NSW average of 56.4%. Employment growth over the past year was estimated at 2.3%. In September 2025, there were 4,993 residents employed.

The primary industries for employment are health care & social assistance, construction, and retail trade. Agriculture, forestry & fishing has limited presence with only 0.5% of employment compared to the regional average of 5.3%. Over the year to September 2025, employment increased by 2.3%, while labour force increased by 3.3%, resulting in a rise in unemployment rate by 0.9 percentage points. In comparison, Rest of NSW experienced an employment decline of 0.5% and a slight increase in unemployment rate by 0.4 percentage points. State-wide data from November 25 shows NSW's employment contracted by 0.03%, with the state unemployment rate at 3.9%. National employment forecasts from May-25 project national employment growth of 6.6% over five years and 13.7% over ten years. Applying these projections to Bolton Point - Teralba's current employment mix suggests local employment should increase by approximately 6.6% over five years and 13.9% over ten years, assuming constant population projections.

Income levels sit below national averages according to AreaSearch assessment

Bolton Point - Teralba SA2 had a median taxpayer income of $51,616 and an average of $67,203 in financial year 2022. This was slightly above the national average for that period. The median income for Rest of NSW during the same time was $49,459 with an average income of $62,998. Based on Wage Price Index growth of 12.61% since financial year 2022, estimated incomes as of September 2025 would be approximately $58,125 (median) and $75,677 (average). According to the 2021 Census, household, family, and personal incomes in Bolton Point - Teralba ranked modestly, between the 31st and 34th percentiles. The income distribution showed that 32.1% of individuals earned between $1,500 and $2,999, which was similar to the broader area where 29.9% fell into this bracket. Housing affordability pressures were severe in Bolton Point - Teralba, 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 a higher proportion of rental properties than the broader region

Dwelling structure in Bolton Point-Teralba, as evaluated at the latest Census, comprised 87.9% houses and 12.1% other dwellings. In comparison, Non-Metro NSW had 89.7% houses and 10.2% other dwellings. Home ownership in Bolton Point-Teralba was 32.9%, with the remainder mortgaged at 39.4% or rented at 27.7%. The median monthly mortgage repayment was $1,733, below Non-Metro NSW's average of $1,900. Median weekly rent in Bolton Point-Teralba was $333, compared to Non-Metro NSW's $380. Nationally, mortgage repayments were lower at $1,733 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 fairly typical 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 comprising 25.4%, and group households making up 2.4%. The median household size is 2.5 people, which aligns with the average for the Rest of NSW.

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%. This disparity presents both a challenge and an opportunity for targeted educational initiatives. 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.

Advanced diplomas account for 10.5% and certificates for 32.4%. Educational participation is high, with 28.0% of residents currently enrolled in formal education. This includes 9.7% in primary, 7.7% in secondary, and 4.1% in 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 81 active public transport stops offering a mix of train and bus services. These stops are served by 73 individual routes, collectively facilitating 1,403 weekly passenger trips. Residents enjoy excellent transport accessibility, with an average distance of 173 meters to the nearest stop.

Service frequency averages 200 trips per day across all routes, equating to approximately 17 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, with various conditions affecting both younger and older residents.

Approximately 53% (~5,672 people) have private health cover, a rate higher than that of Rest of NSW. Mental health issues and arthritis are the most prevalent medical conditions in the area, impacting 11.4 and 10.8% of residents respectively. However, 59.0% of residents claim to be free from medical ailments, compared to 60.3% across Rest of NSW. The area has a lower proportion of seniors aged 65 and over at 20.4% (2,172 people), compared to the 21.9% in Rest of NSW. Health outcomes among seniors present some challenges, generally aligned with the overall population's health profile.

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 was found to have below average cultural diversity, with 91.2% of its population being Australian citizens, 90.1% born in Australia, and 95.2% speaking English only at home. Christianity is the predominant religion, accounting for 52.6% of people in Bolton Point-Teralba, compared to 54.0% across the Rest of NSW. The top three ancestry groups are Australian (31.9%), English (31.9%), and Scottish (7.8%).

Notably, Australian Aboriginal representation is higher at 5.4% than the regional average of 4.5%, while Welsh and Samoan representations remain similar to regional averages at 0.7% and 0.4% 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 Rest of NSW average of 43 but exceeds the national average of 38 years. The 25-34 age group constitutes 14.1% of the population, higher than the Rest of NSW figure, while the 65-74 cohort makes up 10.2%. Post-2021 Census data shows a decrease in median age by 1 year to 41 years. The 35-44 age group has grown from 11.2% to 13.2%, and the 25-34 cohort has increased from 12.7% to 14.1%. Conversely, the 55-64 cohort has decreased from 13.0% to 11.1%. Population forecasts for Bolton Point - Teralba indicate significant demographic changes by 2041. The 35-44 age group is projected to grow by 53%, adding 744 residents to reach a total of 2,152. The 55-64 group is expected to grow at a slower pace, with an increase of just 1% and the addition of only 10 residents.