Chart Color Schemes
This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.
SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).
Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
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ABS ERP | -- people | --
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Sales Activity
Curious about local property values? Filter the chart to assess the volume and appreciation (including resales) trends and regional comparisons, or scroll to the map below view this information at an individual property level.
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Sales Detail
Population
Bonnells Bay - Silverwater lies within the top quartile of areas nationally for population growth performance according to AreaSearch analysis of recent, and medium to long-term trends
Bonnells Bay - Silverwater's population is 10,155 as of Nov 2025. This shows an increase of 464 people since the 2021 Census, which recorded a population of 9,691. The growth is inferred from ABS' June 2024 estimate of 10,140 and additional validated addresses since then. The population density is 999 persons per square kilometer. Over the past decade, Bonnells Bay - Silverwater has had a compound annual growth rate of 1.6%, outperforming its SA4 region. Interstate migration contributed about 48.2% to recent population gains.
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 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 years 2032 to 2041. Future trends forecast a significant population increase in the top quartile of Australian non-metropolitan areas, with Bonnells Bay - Silverwater expected to grow by 4,029 persons by 2041, reflecting a total increase of 39.5% over the 17 years.
Frequently Asked Questions - Population
Development
Recent residential development output has been above average within Bonnells Bay - Silverwater when compared nationally
Bonnells Bay - Silverwater has recorded approximately 41 residential property approvals per year. Over the past five financial years, from FY21 to FY25, around 209 homes were approved, with an additional 10 approved in FY26 so far. On average, about 3.7 people have moved to the area annually for each dwelling built over these five years.
This high demand outpaces supply, which typically puts upward pressure on prices and increases competition among buyers. The average construction cost of new homes is $422,000, moderately above regional levels, indicating a focus on quality construction. In FY26, $831,000 in commercial approvals have been registered, suggesting minimal commercial development activity compared to the Rest of NSW, where Bonnells Bay - Silverwater has 52.0% less development activity per person. This constrained new construction often reinforces demand and pricing for existing properties.
Recent construction comprises 91.0% detached dwellings and 9.0% townhouses or apartments, maintaining the area's traditional suburban character with a focus on family homes appealing to those seeking space. The population density is around 342 people per approval, reflecting a low-density area. According to the latest AreaSearch quarterly estimate, Bonnells Bay - Silverwater is expected to grow by 4,014 residents through to 2041. At current development rates, housing supply may struggle to match population growth, potentially heightening buyer competition and supporting price increases.
Frequently Asked Questions - Development
Infrastructure
Bonnells Bay - Silverwater has strong levels of nearby infrastructure activity, ranking in the top 40% nationally
Changes to local infrastructure significantly influence an area's performance. AreaSearch identified six projects likely impacting the area. Key projects are Trinity Point Mixed Use Development, Fishery Point Road and Morisset Park Road Intersection Upgrade, Alliance Avenue and Wyee Road Intersection Upgrade, and Morisset Place Strategy. The following list details those most relevant.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
Hunter-Central Coast Renewable Energy Zone
The Hunter-Central Coast Renewable Energy Zone (REZ) is a major infrastructure initiative designed to facilitate the transition to renewable energy in the Hunter and Central Coast regions. The project involves the construction of two new energy hubs (substations) at Sandy Creek (Muswellbrook) and Antiene (Singleton), upgrades to existing substations, and the augmentation of 85km of sub-transmission lines between Kurri Kurri and Muswellbrook. This network infrastructure will provide 1GW of additional capacity by 2028, enabling the connection of large-scale wind, solar, and battery storage projects. EnergyCo NSW serves as the infrastructure planner, with Ausgrid appointed as the network operator. Early works and site establishment commenced in 2025 following planning approval, with full network capacity expected by mid-2028. The project is expected to catalyse over $3.9 billion in investment across the region.
Trinity Point Mixed Use Development
The Trinity Point Mixed Use Development is a transformative waterfront project on the shores of Lake Macquarie. The development, designed by Koichi Takada Architects, will feature a luxury hotel with 153 rooms, 160 waterfront apartments, two 300-seat restaurants, a wellness center, and a 188-berth marina. The project aims to be carbon neutral and is expected to inject over $588 million into the local economy.
Cedar Mill Lake Macquarie
A $600 million tourism and entertainment precinct featuring a 10,000-capacity indoor arena, 5,000-capacity outdoor amphitheatre, dining and retail precincts, aquatic play park, resort-style accommodation, and extensive public domain areas. The revised proposal was approved by the NSW Government in late 2024 and is moving toward financial close and early works in 2026.
High Speed Rail - Newcastle to Sydney (Stage 1)
The first stage of the proposed National High Speed Rail network aims to connect Newcastle to Sydney via the Central Coast, reducing travel time to approximately one hour with trains reaching speeds up to 320 km/h. The project is focused on the development phase, which includes design refinement, securing planning approvals, and corridor preservation. It is being advanced by the Australian Government's High Speed Rail Authority (HSRA). Stations are planned for Broadmeadow, Lake Macquarie, Central Coast, and Central Sydney. The long-term vision is a national network connecting Brisbane, Sydney, Canberra, and Melbourne.
Life & Home Bulky Goods Centre, Morisset
A large format bulky goods retail centre spanning 9 hectares, providing 30,000mý of gross lettable area, featuring national retailers such as Aldi, and specialty outlets, plus vital community services like a medical centre and childcare. The development is designed to fill a retail and service gap in the western Lake Macquarie region, and includes significant infrastructure upgrades, including road enhancements connecting to the M1.
Morisset Place Strategy
A long-term strategic plan by Lake Macquarie City Council to guide the future development and growth of Morisset as a regionally significant growth area. It includes a vision for the types, scale, and locations of development and services, supported by various studies (e.g., biodiversity, Aboriginal cultural heritage). A draft strategy is being prepared for public exhibition, which is expected to occur in 2026.
Bawarramalang, Morisset Community Hub
A community hub combining versatile and adaptable community facilities, a new library, and commercial offerings in 4600 square metres of activated space to energise a new town square in Morisset. The concept design will inform the project's business case.
MYHQ Morisset - Industrial Unit Development
A modern industrial strata unit complex developed by GWH, branded as MYHQ Morisset. It comprises 11 premium, high-clearance industrial units ranging from approximately 69mý to 333mý. The units include automatic roller doors, glazed shopfront entry, private amenities, and NBN connectivity. The complex is strategically located in the Morisset Business Park, offering easy access to the M1 Pacific Motorway. Construction was completed in June 2025.
Employment
Employment conditions in Bonnells Bay - Silverwater remain below the national average according to AreaSearch analysis
Bonnells Bay - Silverwater has a skilled workforce with essential services sectors well represented. The unemployment rate in the area was 4.4% as of September 2025, which is 0.6% higher than the Rest of NSW's rate of 3.8%.
Workforce participation in Bonnells Bay - Silverwater is broadly similar to that of the Rest of NSW at 56.4%. Employment among residents is concentrated in health care & social assistance, construction, and retail trade. The area shows strong specialization in construction, with an employment share of 1.5 times the regional level, while agriculture, forestry & fishing employs just 0.7% of local workers, below Rest of NSW's 5.3%. Over a 12-month period ending September 2025, employment increased by 2.5%, labour force increased by 3.6%, and unemployment rose by 1.1 percentage points in Bonnells Bay - Silverwater.
In contrast, the Rest of NSW saw employment contract by 0.5%, labour force fall by 0.1%, and unemployment rise by 0.4 percentage points over the same period. State-level data to 25-Nov-2025 shows NSW employment contracted by 0.03% (losing 2,260 jobs), with the state unemployment rate at 3.9%. National employment forecasts from May-25 indicate national employment should expand by 6.6% over five years and 13.7% over ten years. Applying these projections to Bonnells Bay - Silverwater's employment mix suggests local employment should increase by 6.7% over five years and 14.0% over ten years.
Frequently Asked Questions - Employment
Income
Income levels sit below national averages according to AreaSearch assessment
The Bonnells Bay - Silverwater SA2's median income among taxpayers in financial year 2022 was $46,179. The average income stood at $59,372 during the same period. These figures are lower than those for Rest of NSW, which were $49,459 and $62,998 respectively. Based on a Wage Price Index growth of 12.61% since financial year 2022, estimated median income as of September 2025 would be approximately $52,002, while the average is projected to reach $66,859. According to the 2021 Census, incomes in Bonnells Bay - Silverwater rank modestly, between the 30th and 35th percentiles for household, family, and personal incomes. The largest income segment comprises 33.1% of residents earning $1,500 - $2,999 weekly. This is consistent with broader trends across the metropolitan region, where 29.9% fall into the same category. Housing affordability pressures are severe in Bonnells Bay - Silverwater, with only 83.8% of income remaining after housing costs, ranking at the 35th percentile.
Frequently Asked Questions - Income
Housing
Bonnells Bay - Silverwater is characterized by a predominantly suburban housing profile, with above-average rates of outright home ownership
The dwelling structure in Bonnells Bay - Silverwater, as per the latest Census, consisted of 96.1% houses and 3.9% other dwellings. In comparison, Non-Metro NSW had 89.7% houses and 10.2% other dwellings. Home ownership in Bonnells Bay - Silverwater was at 40.6%, with mortgaged dwellings at 33.9% and rented ones at 25.5%. The median monthly mortgage repayment was $1,783, lower than Non-Metro NSW's average of $1,900. The median weekly rent figure in the area was $400, compared to Non-Metro NSW's $380. Nationally, Bonnells Bay - Silverwater's mortgage repayments were lower at $1,783 than the Australian average of $1,863, while rents were higher at $400 than the national figure of $375.
Frequently Asked Questions - Housing
Household Composition
Bonnells Bay - Silverwater has a typical household mix, with a fairly typical median household size
Family households compose 75.3% of all households, including 27.5% couples with children, 32.6% couples without children, and 14.1% single parent families. Non-family households account for the remaining 24.7%, with lone person households at 22.1% and group households comprising 2.7%. The median household size is 2.5 people, aligning with the average in the Rest of NSW.
Frequently Asked Questions - Households
Local Schools & Education
Educational outcomes in Bonnells Bay - Silverwater fall within the lower quartile nationally, indicating opportunities for improvement in qualification attainment
The area's university qualification rate is 17.8%, significantly lower than the NSW average of 32.2%. This disparity presents both challenges and opportunities for targeted educational initiatives. Bachelor degrees are most common at 12.0%, followed by postgraduate qualifications (3.7%) and graduate diplomas (2.1%). Vocational credentials are prevalent, with 44.7% of residents aged 15+ holding such qualifications, including advanced diplomas (11.7%) and certificates (33.0%).
Educational participation is high, with 25.7% of residents currently enrolled in formal education, comprising 9.4% in primary, 6.8% in secondary, and 3.4% in tertiary education.
Frequently Asked Questions - Education
Schools Detail
Nearby Services & Amenities
Transport
Transport servicing is low compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility
The analysis of public transport in Bonnells Bay - Silverwater shows that there are currently 75 operational transport stops. These stops cater to a variety of bus routes, totaling 31 individual services. Together, these routes facilitate 381 weekly passenger trips.
The report indicates good accessibility for residents, with an average distance of 203 meters to the nearest transport stop. On average, there are 54 trips per day across all routes, which translates to approximately five weekly trips per individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
Health
Health performance in Bonnells Bay - Silverwater is well below average with prevalence of common health conditions notable across both younger and older age cohorts
Bonnells Bay - Silverwater faces significant health challenges, with common conditions prevalent across both younger and older age groups. Private health cover stands at approximately 49%, covering around 4,986 people, compared to 51.5% in the rest of NSW and a national average of 55.3%. The most prevalent medical conditions are arthritis (10.5%) and mental health issues (10.2%).
About 59.9% of residents report no medical ailments, slightly lower than the 60.3% in the rest of NSW. The area has a higher proportion of seniors aged 65 and over at 23.4%, or 2,378 people, compared to 21.9% in the rest of NSW. Despite this, health outcomes among seniors perform better than the general population in various metrics.
Frequently Asked Questions - Health
Cultural Diversity
Bonnells Bay - Silverwater is considerably less culturally diverse than average when assessed alongside AreaSearch's national rankings for language and cultural background related metrics
Bonnells Bay-Silverwater had low cultural diversity, with 87.5% born in Australia, 92.5% being citizens, and 95.6% speaking English only at home. Christianity dominated at 54.5%, similar to the regional average of 54.0%. The top three ancestral groups were English (32.5%), Australian (30.7%), and Scottish (8.3%).
Notably, Australian Aboriginal was overrepresented at 4.2% versus 4.5% regionally, Maltese at 0.5% versus 0.4%, and Dutch at 1.3% versus 1.1%.
Frequently Asked Questions - Diversity
Age
Bonnells Bay - Silverwater's median age exceeds the national pattern
Bonnells Bay-Silverwater's median age is 42 years, similar to Rest of NSW's average of 43 but older than Australia's 38 years. The age profile shows that those aged 65-74 are prominent (13.1%), while the 45-54 group is smaller (10.3%) compared to Rest of NSW. Between 2021 and present, the 35-44 age group has grown from 10.7% to 12.1%, and the 25-34 cohort increased from 11.1% to 12.4%. Conversely, the 45-54 cohort declined from 12.2% to 10.3%. By 2041, population forecasts indicate significant demographic changes for Bonnells Bay-Silverwater, with the 25-34 cohort projected to grow by 51%, adding 642 residents to reach 1,899.