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This analysis uses Suburbs and Localities (SAL) boundaries, which can materially differ from Statistical Areas (SA2) even when sharing the same name.
SAL boundaries are defined by Australia Post and the Australian Bureau of Statistics to represent commonly-known suburb names used in postal addresses.
Statistical Areas (SA2) are designed for census data collection and may combine multiple suburbs or use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
est. as @ -- *
2021 Census | -- people
Sales Activity
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Population
Avoca Beach is positioned among the lower quartile of areas assessed nationally for population growth based on AreaSearch's assessment of recent, and medium term trends
The population of Avoca Beach is estimated at around 4,809 as of Feb 2026. This reflects an increase of 101 people since the 2021 Census, which reported a population of 4,708. The change is inferred from AreaSearch's estimation of the resident population at 4,759 following examination of the latest ERP data release by the ABS (June 2024) and an additional 46 validated new addresses since the Census date. This level of population equates to a density ratio of 1,083 persons per square kilometer. Avoca Beach's growth rate of 2.1% since census positions it within 1.1 percentage points of the SA3 area (3.2%). Population growth was primarily driven by overseas migration contributing approximately 64.0% 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, AreaSearch utilises NSW State Government's SA2 level projections released in 2022 with a base year of 2021. Growth rates by age group are applied to all areas for years 2032 to 2041. Future population trends suggest lower quartile growth, with the suburb expected to grow by 90 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 0.8% in total over the 17 years.
Frequently Asked Questions - Population
Development
Residential development activity is lower than average in Avoca Beach according to AreaSearch's national comparison of local real estate markets
AreaSearch analysis of ABS building approval numbers in Avoca Beach shows an average of around 23 new dwelling approvals annually over the past five financial years, totalling an estimated 118 homes. As of FY-26, 11 approvals have been recorded. Despite population decline, housing supply has remained adequate relative to demand, creating a balanced market with good buyer choice. New homes are being built at an average expected construction cost value of $1,064,000, indicating a focus on the premium segment with upmarket properties.
In FY-26, $6.9 million in commercial development approvals have been recorded, suggesting limited commercial development focus. Compared to Greater Sydney, Avoca Beach has slightly more development, maintaining good buyer choice while supporting existing property values, though building activity has slowed recently. New building activity comprises 76.0% detached houses and 24.0% townhouses or apartments, preserving the area's suburban nature with an emphasis on detached housing attracting space-seeking buyers.
The location has approximately 270 people per dwelling approval, indicating a low density market. According to AreaSearch's latest quarterly estimate, Avoca Beach is projected to add 40 residents by 2041. Based on current development patterns, new housing supply should readily meet demand, offering good conditions for buyers and potentially facilitating population growth beyond current projections.
Frequently Asked Questions - Development
Infrastructure
Avoca Beach has strong levels of nearby infrastructure activity, ranking in the top 40% nationally
No projects have been identified by AreaSearch that are likely to impact the area's performance. Key projects include three developments at 310 Terrigal Drive, each detailed below.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
Terrigal Boardwalk and Rockpool Restoration
The Terrigal Boardwalk is a 277-metre-long raised walking platform providing improved pedestrian access between Terrigal Beach promenade and The Haven. The project includes restoration of the adjacent rockpool with a new access ramp, pathways, and environmental protection measures. It delivers social, health, and economic benefits to the community.
Terrigal Public School Upgrade
Upgrade to provide the latest education facilities and accommodate the growing community, including a new building with 10 flexible learning spaces, upgraded administration facilities, disability car park with ramp access, and lift installation.
Crowne Plaza Terrigal Pacific Hotel Refurbishment
Major refurbishment of the iconic Crowne Plaza Terrigal Pacific including guest room renovations, restaurant and bar upgrades, conference facilities enhancement, and exterior improvements.
Aria Terrigal
Integrated mixed-use precinct delivered in stages in the heart of Terrigal, originally envisaged for around 108 residential/tourist apartments with retail and commercial space. Following the GFC the concept was split into multiple projects including Aria Building 1 (14 units) fronting Painters Lane/Campbell Crescent and the Avanti Terrigal building, plus beachfront retail along Terrigal Esplanade. Core buildings are completed and occupied.
Gosford Private Hospital redevelopment
The development will house additional Theatres, a new Day Surgery and Recovery area, purpose-built Maternity Ward, and car parking.
310 Terrigal Drive Residential Development
Planning proposal for an 8-storey apartment development with up to 50 residential units and ground floor retail/cafe use on a 4,262 square metre R1 zoned site. The proposal seeks to amend the Central Coast Local Environmental Plan to increase the maximum permissible height to 25 metres and floor space ratio to 1.3:1. The site features two street frontages with access from Charles Kay Drive and Terrigal Drive. The planning proposal is currently under assessment by the Independent Planning Commission following a gateway review process.
310 Terrigal Drive Residential Development
Planning proposal for an 8-storey apartment development with up to 50 residential units and ground floor retail/cafe use on a 4,262 square metre R1 zoned site. The proposal seeks to amend the Central Coast Local Environmental Plan to increase the maximum permissible height to 25 metres and floor space ratio to 1.3:1. The site features two street frontages with access from Charles Kay Drive and Terrigal Drive. The planning proposal is currently under assessment by the Independent Planning Commission following a gateway review process.
310 Terrigal Drive Residential Development
Planning proposal for an 8-storey apartment development with up to 50 residential units and ground floor retail/cafe use on a 4,262 square metre R1 zoned site. The proposal seeks to amend the Central Coast Local Environmental Plan to increase the maximum permissible height to 25 metres and floor space ratio to 1.3:1. The site features two street frontages with access from Charles Kay Drive and Terrigal Drive. The planning proposal is currently under assessment by the Independent Planning Commission following a gateway review process.
Employment
The exceptional employment performance in Avoca Beach places it among Australia's strongest labour markets
Avoca Beach has a well-educated workforce with professional services being strongly represented. The unemployment rate was 0.8% in the past year, with an estimated employment growth of 3.6%. As of December 2025, 2,588 residents were employed, and the unemployment rate was 3.4%, below Greater Sydney's rate of 4.2%.
Workforce participation was 67.7%, lower than Greater Sydney's 70.2%. According to Census responses, 41.7% of residents worked from home, potentially influenced by Covid-19 lockdowns. The leading employment industries were health care & social assistance, construction, and education & training. Health care & social assistance showed strong specialization with an employment share 1.3 times the regional level.
Finance & insurance had lower representation at 3.7% compared to the regional average of 7.3%. The area appeared to offer limited local employment opportunities, indicated by the working population versus resident population count. Over a 12-month period ending in May-25, employment increased by 3.6%, with labour force growth also at 3.6%, keeping unemployment relatively stable. Greater Sydney recorded employment growth of 2.2% and labour force growth of 2.3%, with a marginal rise in unemployment. Jobs and Skills Australia's national employment forecasts from May-25 suggest Avoca Beach's employment could increase by 7.2% over five years and 14.7% over ten years, based on industry-specific projections applied to the local employment mix.
Frequently Asked Questions - Employment
Income
Income metrics indicate excellent economic conditions, with the area achieving higher performance than 75% of national locations assessed by AreaSearch
In AreaSearch's latest postcode level ATO data released for financial year 2023, Avoca Beach's median income among taxpayers is $58,044, with an average of $85,891. Nationally, these figures are extremely high compared to Greater Sydney's median of $60,817 and average of $83,003. Based on Wage Price Index growth of 8.86% since financial year 2023, current estimates for Avoca Beach would be approximately $63,187 (median) and $93,501 (average) as of September 2025. From the 2021 Census, household incomes in Avoca Beach rank between the 71st and 86th percentiles nationally. The earnings profile shows that the highest proportion of residents, 29.6% or 1,423 people, fall within the $1,500 - 2,999 weekly income bracket. This pattern is also seen regionally where 30.9% occupy this range. Higher earners are also prominent with 39.0% exceeding $3,000 weekly. Housing accounts for 14.6% of income, while strong earnings rank residents within the 86th percentile for disposable income. The area's SEIFA income ranking places it in the 8th decile.
Frequently Asked Questions - Income
Housing
Avoca Beach is characterized by a predominantly suburban housing profile, with above-average rates of outright home ownership
The dwelling structure in Avoca Beach, as per the latest Census, consisted of 86.7% houses and 13.3% other dwellings such as semi-detached homes, apartments, and 'other' dwellings. In contrast, Sydney metropolitan area had 55.9% houses and 44.1% other dwellings. The home ownership rate in Avoca Beach was higher at 39.3%, with the remaining dwellings either mortgaged (44.0%) or rented (16.7%). The median monthly mortgage repayment in the area was $2,508, exceeding Sydney metro's average of $2,427. Meanwhile, the median weekly rent figure stood at $530, compared to Sydney metro's $470. Nationally, Avoca Beach's mortgage repayments were significantly higher than the Australian average of $1,863, while rents were substantially above the national figure of $375.
Frequently Asked Questions - Housing
Household Composition
Avoca Beach features high concentrations of family households, with a higher-than-average median household size
Family households account for 83.0% of all households, including 40.6% couples with children, 30.4% couples without children, and 11.4% single parent families. Non-family households constitute the remaining 17.0%, with lone person households at 16.4% and group households comprising 1.1% of the total. The median household size is 2.8 people, larger than the Greater Sydney average of 2.7.
Frequently Asked Questions - Households
Local Schools & Education
Educational achievement in Avoca Beach places it within the top 10% nationally, reflecting strong academic performance and high qualification levels across the community
Educational attainment in Avoca Beach is notably higher than broader benchmarks. Specifically, 34.2% of residents aged 15 years or above hold university qualifications, compared to the SA4 region's 20.8% and the SA3 area's 25.7%. This indicates a substantial educational advantage for the area, positioning it favourably for knowledge-based opportunities. Bachelor degrees are most prevalent at 24.1%, followed by postgraduate qualifications (6.7%) and graduate diplomas (3.4%).
Trade and technical skills are also prominent, with 36.0% of residents aged 15 years or above holding vocational credentials – advanced diplomas (14.2%) and certificates (21.8%). Educational participation is notably high in Avoca Beach, with 32.6% of residents currently enrolled in formal education. This includes 10.9% in primary education, 9.9% in secondary education, and 4.9% pursuing 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
Public transport analysis shows 51 active transport stops operating within Avoca Beach. These comprise a mix of buses servicing 21 individual routes, collectively providing 295 weekly passenger trips. Transport accessibility is rated as excellent, with residents typically located 140 meters from the nearest stop. As a primarily residential area, most residents commute outward. Car remains the dominant mode at 92%. Vehicle ownership averages 1.8 per dwelling, above the regional average.
A high 41.7% of residents work from home (2021 Census). Service frequency averages 42 trips per day across all routes, equating to approximately 5 weekly trips per individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
Health
Avoca Beach's residents boast exceedingly positive health performance metrics with very low prevalence of common health conditions across all age groups
Avoca Beach shows excellent health outcomes based on AreaSearch's assessment. Mortality rates and chronic condition prevalence are very low across all age groups.
Private health cover is exceptionally high at approximately 61% of the total population (2,924 people), compared to the national average of 55.7%. The most common medical conditions are arthritis and asthma, affecting 7.1 and 6.4% of residents respectively. A significant majority, 73.8%, report being completely free from medical ailments, slightly lower than the Greater Sydney average of 74.6%. Working-age residents have low chronic condition prevalence. The area has a higher proportion of seniors aged 65 and over at 21.1% (1,014 people), compared to Greater Sydney's 15.4%. Health outcomes among seniors are strong and align with national rankings for the general population.
Frequently Asked Questions - Health
Cultural Diversity
Avoca Beach ranks below the Australian average when compared to other local markets across a number of language and cultural background related metrics
Avoca Beach's cultural diversity was found to be below average, with 79.7% of its population born in Australia and 91.1% being citizens. English was spoken at home by 95.5%. Christianity was the predominant religion, comprising 48.7%.
Judaism was overrepresented at 0.3%, compared to Greater Sydney's 0.8%. The top three ancestry groups were English (33.4%), Australian (25.7%), and Irish (11.0%). Notably, Welsh (0.9%) French (0.8%), and Russian (0.5%) groups were overrepresented in Avoca Beach compared to regional averages of 0.4%, 0.5%, and 0.4% respectively.
Frequently Asked Questions - Diversity
Age
Avoca Beach hosts a notably older demographic compared to the national average
The median age in Avoca Beach is 43 years, which is higher than Greater Sydney's average of 37 years and also exceeds the national average of 38 years. The age profile shows that those aged 55-64 years are particularly prominent, comprising 14.8% of the population, while those aged 25-34 years make up only 4.5%. Since 2021, the population of those aged 15-24 has grown from 12.6% to 14.9%, and the 75-84 age group has increased from 5.5% to 7.2%. Conversely, the 25-34 age group has declined from 6.7% to 4.5%, and the 45-54 age group has dropped from 15.8% to 14.6%. By 2041, demographic projections show significant shifts in Avoca Beach's age structure. The population aged 85 and above is projected to grow exceptionally, increasing by 149 people (141%) from 105 to 255. Notably, the combined age groups of 65 years and above will account for 95% of total population growth, reflecting the area's aging demographic profile. Conversely, the populations aged 25-34 and 15-24 are expected to decline.