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, as per AreaSearch's analysis, stands at approximately 10,623 as of November 2025. This figure represents an increase of 488 individuals (4.8%) 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 the addition of 94 validated new addresses post-Census date. This results in a density ratio of 483 persons per square kilometer, indicating ample space per person and potential for further development. Over the past decade, Bolton Point-Teralba has exhibited resilient growth patterns with a compound annual growth rate of 1.8%, outperforming its SA4 region. Interstate migration drove population growth, contributing approximately 84.6% of overall gains during recent periods.

AreaSearch employs 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 are used, released in 2022 with a base year of 2021. Growth rates by age group from these aggregations are applied to all areas for the years 2032 to 2041. Future population dynamics predict a significant increase in the top quartile of regional areas nationwide, with Bolton Point-Teralba expected to grow by 2,931 persons by 2041 based on latest annual ERP population numbers, reflecting a total increase of 26.9% over the 17-year period.

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-25, a total of 296 homes were approved, with an additional 5 approved so far in FY-26. On average, 3.6 people moved to the area each year for every dwelling built during these years.

This indicates that demand significantly outpaces supply, which typically puts upward pressure on prices and increases competition among buyers. The average construction cost of new properties was $472,000. In FY-26, $3.3 million in commercial approvals have been registered, reflecting the area's primarily 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 for areas assessed. New building activity consists of 82.0% standalone homes and 18.0% medium and high-density housing, preserving the area's low density nature and attracting space-seeking buyers with an average of approximately 213 people per dwelling approval. Population forecasts indicate that Bolton Point - Teralba will gain around 2,856 residents by 2041. If current development rates continue, housing supply may not 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 likely 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. Below is a list of projects most relevant to the area.

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. Its unemployment rate was 4.4% in June 2025, 0.8% higher than the Rest of NSW's rate of 3.7%.

Employment growth over the past year was estimated at 2.0%. As of June 2025, 5,056 residents were employed, with workforce participation at 54.0%, below the Rest of NSW average of 56.4%. Key employment sectors are 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%. Over the year to June 2025, employment increased by 2.0%, while labour force grew by 2.5%, leading to an unemployment rate rise of 0.4 percentage points. In comparison, Rest of NSW saw a slight employment decline of 0.1% and a smaller labour force growth of 0.3%. Statewide in NSW, employment contracted by 0.03% (losing 2,260 jobs) as of Nov-25, with an unemployment rate of 3.9%, lower than the national average of 4.3%. National employment forecasts from May-25 project a 6.6% increase over five years and 13.7% over ten years. Applying these projections to Bolton Point - Teralba's employment mix suggests local employment should grow by 6.6% over five years and 13.9% over ten years, based on simple weighting extrapolation for illustrative purposes.

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 income of $67,203 in financial year 2022, according to postcode level ATO data aggregated by AreaSearch. This was slightly higher than the national average for that year. The Rest of NSW had a median income of $49,459 and an average income of $62,998 during the same period. By September 2025, estimated incomes would be approximately $58,125 (median) and $75,677 (average), based on Wage Price Index growth of 12.61% since financial year 2022. The 2021 Census data shows that 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, which is 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

Bolton Point-Teralba's dwelling structure, as per the latest Census, consisted of 87.9% houses and 12.1% other dwellings (semi-detached, apartments, 'other' dwellings). This compares to Non-Metro NSW's 89.7% houses and 10.2% 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, 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 than the Australian average of $1,863, while 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 make up the remaining 27.8%, consisting of 25.4% lone person households and 2.4% group households. The median household size is 2.5 people, which matches 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%. Bachelor degrees are the most common at 12.5%, followed by postgraduate qualifications (3.1%) and graduate diplomas (2.1%). Vocational credentials are held by 42.9% of residents aged 15+, with advanced diplomas at 10.5% and certificates at 32.4%. Educational participation is 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 81 active public transport stops serving a mix of train and bus routes. These stops are covered by 73 individual routes, collectively facilitating 1,403 weekly passenger trips. The area's transport accessibility is rated excellent, with residents typically residing 173 meters from 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 conditions in the area, impacting 11.4 and 10.8% of residents respectively. However, 59.0% of residents report having no medical ailments, compared to 60.3% across Rest of NSW. As of 2021, 20.4% (2,172 people) of the population are aged 65 and over, lower than the 21.9% in Rest of NSW. The health outcomes among seniors largely align with those of 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 index 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, slightly lower than the 54.0% regional average for 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%, compared to the regional average of 4.5%. Welsh (0.7%) and Samoan (0.4%) populations also showed notable divergences from their respective regional averages.

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 higher than the national average of 38. The 25-34 age group makes up 14.1% of its population compared to the Rest of NSW figure, while the 65-74 cohort represents 10.2%. Post-2021 Census data shows Bolton Point - Teralba's median age has decreased by 1 year to 41 due to a shift in its resident population. Notably, 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 age group has declined from 13.0% to 11.1%. Population forecasts for Bolton Point - Teralba in 2041 indicate significant demographic changes. The 35-44 cohort is projected to grow by 53%, adding 744 residents, reaching a total of 2,152. The 55-64 age group is expected to grow by 1%, with an increase of just 10 residents.