Lake Cathie

Suburb (SAL)

Rest of NSW / Port Macquarie

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Sep 2026 · Refreshed ABS QuickStats SAL12251 How we calculate this
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Suburb (SAL) Boundary Analysis

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.

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Sales ActivityProperty Sales Trends in Lake Cathie

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The median house price in Lake Cathie is $972k, with units at $755k. House values have moved 9.3% a year compounded over five years.

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DemographicsPopulation Growth in Lake Cathie

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Lake Cathie has an estimated 5,303 residents, up from 4,296 at the 2021 Census — a change of 1,007 people, or 23.4%. Growth has averaged 4.9% a year over five years, faster than 92% of areas nationally. 514 new addresses have been validated here since Census night. Interstate and internal migration accounts for 85.0% of that increase. That puts 276 residents on each square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.

Detail

Demographic assessments by AreaSearch combining broader regional updates from the ABS and 514 validated new addresses post-Census establish the suburb of Lake Cathie's population at approximately 5,303 as of Aug 2026. This represents an addition of 1,007 people (23.4%) compared to the 4,296 people counted during the 2021 Census. Such expansion is drawn from an estimated resident count of 5,289 derived from the ABS ERP release in June 2025 alongside new residential additions since the Census date. With a resulting density ratio of 276 persons per square kilometer, the suburb of Lake Cathie provides ample residential space alongside room for further growth.

Outpacing the Rest of NSW (5.1%) as well as the surrounding SA4 region, the suburb of Lake Cathie's 23.4% expansion positions it as a leading growth area, spurred predominantly by interstate migration which accounted for roughly 85.0% of recent population gains. Projections utilised by AreaSearch originate from the 2024 ABS/Geoscience Australia dataset based on 2022, supplemented where necessary by 2022 NSW State Government SA2 modeling anchored in 2021, with age-group growth rates applied across all areas between 2032 and 2041. Looking forward, the suburb of Lake Cathie is projected to experience population expansion outpacing national non-metropolitan medians, expanding by 959 persons to 2041 under aggregated SA2 projections, which corresponds to an overall gain of 17.8% across the 16 years.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Lake Cathie?
Total population for the suburb of Lake Cathie was estimated to be approximately 5,303 as at Aug 26. This is based upon an estimated resident population of 5,289 from the ABS up to June 2025.
How has the population in the suburb of Lake Cathie changed since 2021?
The suburb of lake cathie has added approximately 1,007 people and shown a 23.44% increase from the 4,296 people recorded at the 2021 Census period.
What is the population density in the suburb of Lake Cathie?
The population density in the suburb of Lake Cathie is estimated at 276 persons per square kilometer based on the latest population estimate.
How much has the population grown over the past 10 years in the suburb of Lake Cathie?
Over the past 10 years, the population in the suburb of Lake Cathie has shown a compound annual growth rate of 4.4% per annum.
What are the main drivers of population growth in the suburb of Lake Cathie?
Population growth in the suburb of Lake Cathie is driven by: Interstate migration (85.0%), Overseas migration (15.0%), Natural increase (0.0%). The primary driver is Interstate migration, contributing 85.0% of overall population gains.

Residential SupplyHousing Development & Building Approvals in Lake Cathie

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377 new dwellings have been approved in Lake Cathie over the past five years, an average of 75 a year. That places the area in the 92nd percentile for residential development activity nationally, about 14 approvals per 1,000 residents a year. Of the 76 dwellings approved in the latest reporting year, 87% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 65, broadly in line with that longer-run average. Figures come from ABS building approvals aggregated to this Suburb (SAL) boundary and are updated monthly as the ABS releases them.

Detail

According to building approval figures evaluated by AreaSearch from ABS statistical collections, Lake Cathie has averaged approximately 75 residential approvals per year, accumulating an estimated 377 homes across the last 5 financial years. In FY-25 to date, 65 approvals have been lodged. A steady intake of 2.9 new residents annually per built dwelling over the 5 financial years spanning FY-21 to FY-25 highlights robust underlying demand that underpins property values, with construction costs of new dwellings averaging $459,000. Meanwhile, commercial development has seen a restricted presence, recording $6.2 million in approvals throughout the current financial year.

Per capita building activity in Lake Cathie outstrips the Rest of NSW by 117.0%, well above national norms and reflecting pronounced builder enthusiasm that provides extensive supply options for prospective purchasers. Recent building works comprise 87.0% detached dwellings alongside 13.0% attached dwellings, reinforcing the low-density character of the suburb and appealing to buyers seeking standalone properties. The presence of roughly 63 people per dwelling approval further signals an expanding local market. Long-term forecasts anticipate Lake Cathie expanding by 945 residents by 2041 relative to the latest AreaSearch quarterly estimate. Current residential construction momentum suggests incoming dwelling supply will comfortably accommodate demand, fostering favorable purchasing conditions and potentially enabling demographic expansion to exceed current expectations.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Lake Cathie recently?
Dwelling approval activity in the the suburb of Lake Cathie area has seen 170 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Lake Cathie's current population of 5,303 has been supported by 75 approvals on average over recent years.
How does the suburb of Lake Cathie's development activity compare to the broader region?
The suburb of Lake Cathie has seen 1.6 approvals per 100 people in recent years, compared to 0.56 approvals in the broader region. This means that one dwelling has been approved for every 63 people in the suburb of Lake Cathie, compared to one for every 183 in the broader region.
Is the suburb of Lake Cathie keeping up with housing demand?
With the population expected to increase by 945 people by 2041, around 473 new dwellings will be necessary. Recent approval levels appear more than sufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This suggests that population growth may exceed trend projections in the coming years, supported by a robust housing supply.
What has been the trend in development approvals over the past five years in the suburb of Lake Cathie?
Looking at development activity over the past five years, the suburb of Lake Cathie's approval levels have been consistent with the yearly average of 75, showing stable development patterns.
How many dwellings will be needed to accommodate future population growth in the suburb of Lake Cathie?
The population in the suburb of Lake Cathie is expected to grow by 945 people by 2041, necessitating approximately 473 new dwellings. This calculation is based on the current census average of 2.0 persons per dwelling in the area.
How does recent development compare to population growth in the suburb of Lake Cathie?
Over the past five years, the population in the suburb of Lake Cathie has grown by approximately 2,250 people, while 377 residential approvals were recorded. This equates to a ratio of 6.0 people added for each new dwelling approval. This high ratio suggests strong population growth relative to housing supply, potentially indicating unmet housing demand.
Are there opportunities for residential developers in the suburb of Lake Cathie?
With dwelling approval activity running at an average of 75 approvals per year and a population of 5,303, the market appears to be adequately supplied relative to projected housing demand in recent years, suggesting that developers should have a longer-term approach when considering new projects. With the population expected to increase by 945 people by 2041, around 473 new dwellings will be necessary. Recent approval levels appear more than sufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This suggests that population growth may exceed trend projections in the coming years, supported by a robust housing supply.
Approvals Pipeline Development applications near Lake Cathie

Development applications around Lake Cathie

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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.

Project PipelineInfrastructure & Major Projects in Lake Cathie

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AreaSearch tracks 6 current infrastructure and development projects inside Lake Cathie, worth an estimated $672 million. A further 38 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $5.55 billion. 17 are already under construction and 14 are due for completion within three years. The pipeline spans communities, residential development and communities, precincts & urban renewal. Records are compiled from Infrastructure Australia, state agencies, council planning portals and public announcements, reviewed and updated daily, then ranked by proximity, construction stage, completion horizon and project scale.

Detail

Local growth dynamics are significantly shaped by major civic developments, planned initiatives, and public infrastructure works. AreaSearch has pinpointed 6 key projects expected to influence the community, featuring prominent undertakings such as the Glen Eden Estate, Whitewater Terrace Development, Lake Cathie, Lake Cathie Foreshore Reserve Master Plan, and the Lake Cathie Public School upgrade.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the suburb of Lake Cathie?
Key infrastructure and planning changes likely to influence the suburb of Lake Cathie include: Glen Eden Estate (Approved); Whitewater Terrace Development, Lake Cathie (Approved); Lake Cathie Foreshore Reserve Master Plan (Under Assessment); Lake Cathie Public School upgrade (Completed); and Rainbow Beach Estate (Construction). These projects represent significant developments that will shape the area's future infrastructure landscape.
What types of infrastructure projects are impacting the suburb of Lake Cathie?
Infrastructure development impacting the suburb of Lake Cathie spans multiple sectors including Transport & Logistics, Residential Development, and Communities, Precincts & Urban Renewal, among others.
What is the scale of infrastructure investment impacting the suburb of Lake Cathie?
Infrastructure investment analysis indicates targeted investment in infrastructure improvements that will benefit the local area, with a notable concentration of investment within the immediate the suburb of Lake Cathie vicinity.
How does the suburb of Lake Cathie's infrastructure development compare to other areas?
The suburb of Lake Cathie shows moderate infrastructure development relative to national averages, with opportunities for future growth and investment.
Rainbow Beach Estate
Category: Communities
Stage: Construction | Est. Comp: 0
Source / Links: Link 1   Link 2  

A 704-lot masterplanned residential estate located between Lake Cathie and Bonny Hills on the NSW Mid North Coast, developed by St Vincent's Foundation with King & Campbell as principal consultant. The estate offers house and land packages across staged releases, with Stage 6C currently selling. Community amenities include a future village shopping centre, walkways, cycleways, lakeside parklands, regenerated bushland corridors, playing fields, and a preschool and primary school adjoining the estate. The town centre is planned to service over 10,000 residents on completion.

Communities

Lake Cathie Foreshore Reserve Master Plan
Category: Communities
Stage: Approved | Est. Comp: 0
Source / Links: Link 1   Link 2  

Port Macquarie-Hastings Council has adopted a revised Master Plan for the Lake Cathie Foreshore Reserve, updating the original 2018 plan. The plan sets out a staged vision for the foreshore including a continuous coastal walkway, safer and more accessible paths and crossings, formalised parking to protect tree roots, new picnic shelters, shade trees, seating and lighting, coastal protection upgrades including sea wall staging, and improvements across Aqua Reserve, Bundella Ave, and Jonathan Dickson Reserve. Early works including the Lake Cathie Skate Space and accessible amenities were delivered under the 2018 plan.The updated plan was formally adopted at the 11 December 2025 Ordinary Council Meeting following public exhibition and community engagement.

Communities

The Pacific at Catarina Beachfront Estate
Category: Residential Development
Stage: Planning | Est. Comp: 2027
Source / Links: Link 1   Link 2  

The first release at Catarina Beachfront Estate, The Pacific features a boutique collection of luxury apartments and exclusive penthouses. Designed by ELK Architecture, the project is part of a larger masterplan for Catarina Estate which will include a future retail precinct with cafes, shops, and hospitality venues, as well as conference facilities, a function centre, a pub and a gym.

Residential Development

Whitewater Terrace Development, Lake Cathie
Category: Tourism
Stage: Approved | Est. Comp: 0
Source / Links: Link 1   

A five-building mixed-use development including 95 apartments with tourist accommodation, about 1240sq m of commercial space, indoor recreation facilities, and parking for 176 vehicles.

Tourism

Lake Cathie Public School upgrade
Category: Education & Training
Stage: Completed | Est. Comp: 2021
Source / Links: Link 1   Link 2  

Upgrade delivering 17 flexible learning spaces (including 2 support unit classrooms), a new hall, new bus bay, refurbished library and special programs unit, and landscaping. Works completed December 2021 to enhance capacity and learning environments for the growing Lake Cathie community.

Education & Training

Glen Eden Estate
Category: Communities
Stage: Completed | Est. Comp: 2024
Source / Links: Link 1   

A 68-lot residential estate in Lake Cathie offering a mix of coastal and rural living, with lots ranging in size from 465m2 to 2,972m2. The estate is fully sold out and registered, with new home builds largely complete. Located minutes from the local shopping centre, Lake Cathie Public School, Lake Cathie Beach, and walking trails, and around a 20 minute drive to Port Macquarie.

Communities

Beach to Beach Shared Path
Category: Sports & Recreation
Stage: Construction | Est. Comp: 0
Source / Links: Link 1   

Coastal shared pathway connecting beaches and recreational areas, providing safe pedestrian and cycling access between key destinations along the Port Macquarie coastline.

Sports & Recreation

Beach to Beach Shared Path
Category: Sports & Recreation
Stage: Construction | Est. Comp: 2029
Source / Links: Link 1   Link 2  

Community-driven active transport and recreation project delivering an approximately 11 km shared walking and cycling route between North Haven Breakwall and Pilot Beach. Stage D3 was completed in June 2024 and Stage D5, including the signature over-water boardwalk, was completed in August 2025, extending the completed network to more than 8 km. Remaining sections will be delivered as future planning, approvals and funding are secured.

Sports & Recreation

Jobs & IndustryEmployment Trends in Lake Cathie

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2,132 residents of Lake Cathie are employed, from a labour force of 2,194. Unemployment sits at 2.8%, with participation at 49.4%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.7% nationally over five years. That reflects industry composition only and makes no allowance for local population growth, so in an area growing as fast as this one it understates the likely rise in local jobs. The working-day population is estimated at 4,309, about 81% of the resident population, so more people leave the area for work than travel in. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.

Detail

Workforce figures aggregated by AreaSearch reveal a qualified local labour pool with solid presence in essential services and an unemployment rate of merely 2.8%. There are 2,132 residents employed as of March 2026, while the jobless rate sits 1.3% below the 4.1% recorded across Regional NSW. However, labour force participation remains comparatively subdued at 49.4% against 60.6% in Regional NSW. Census findings indicate that 14.5% of working locals operated from home, though this figure was influenced by Covid-19 restrictions. The primary employment sectors for local residents consist of health care & social assistance, construction, and education & training.

Local industry specialization is notably pronounced in construction, which captures an employment proportion 1.4 times that of the wider region. Conversely, agriculture, forestry & fishing accounts for only 0.6% of local jobs compared to 5.3% regionally. Comparing resident workers against the local Census working population indicates relatively constrained employment positions within the immediate locality. Over a 12-month period, ABS and SALM figures compiled across statistical areas show the local labour force contracted by 1.2% alongside an employment decrease of 1.3%, lifting unemployment by 0.1 percentage points, compared to Regional NSW where employment dropped 0.9%, the labour pool decreased 0.4%, and unemployment increased by 0.5 percentage points. Looking ahead, national forecasts from Jobs and Skills Australia as of Mar-26 project overall job gains of 6.6% over five years and 13.7% over ten years. Weighted against Lake Cathie's industry composition, local employment is estimated to expand by 6.7% over five years and 13.8% over ten years, based purely on sector weighting without factoring in local population adjustments.

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Lake Cathie?
As of March 2026, the suburb of Lake Cathie has approximately 2,132 employed residents with an unemployment rate of 2.8%. This very low unemployment rate indicates a tight labour market with strong demand for workers. Employment performance is above the national median, showing positive labour market dynamics.
How does the suburb of Lake Cathie's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Lake Cathie stands at 2.8%, which is 1.3 percentage points below Regional NSW's rate of 4.1%. This lower unemployment rate suggests stronger local employment conditions. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Lake Cathie?
The employment landscape in the suburb of Lake Cathie is dominated by several key sectors. The largest employers are health care & social assistance (18.1% of employment), construction (13.9%), and education & training (12.9%). Other significant employers include retail trade and accommodation & food.
How has employment changed recently in the suburb of Lake Cathie?
Over the past year to March 2026, the suburb of Lake Cathie has experienced a decline in employment, with total jobs decreasing while the labour force decreased. As a result, the unemployment rate has rise. By comparison, Regional NSW saw employment decreased and its unemployment rate rose.
What is the workforce participation rate in the suburb of Lake Cathie?
The workforce participation rate in the suburb of Lake Cathie is 49.4%, which represents the proportion of working-age residents who are either employed or actively seeking work. The relatively low participation rate may indicate limited job opportunities or demographic factors affecting workforce engagement. The local rate trailing the Regional NSW average of 60.6%, suggesting potential for increased workforce participation.
Which industries are over-represented in the suburb of Lake Cathie's employment market?
The suburb of lake cathie shows notable specialization in construction, which employs 13.9% of the local workforce compared to 9.7% regionally. This moderate specialization indicates some local strength in the sector. The area also shows above-average employment in 1 other sectors, contributing to a distinctive economic profile.
What are the employment growth prospects for the suburb of Lake Cathie?
Based on Jobs and Skills Australia projections applied to the suburb of Lake Cathie's industry mix, employment is expected to grow by 6.7% over the next five years and 13.8% over ten years. This exceeds the national forecast of 6.6% over five years, suggesting the area's industry composition is well-positioned for future growth. Steady growth is anticipated across multiple sectors, providing diverse employment opportunities.
How does the job market in the suburb of Lake Cathie compare nationally?
The suburb of lake cathie's employment market shows above-average performance nationally, placing in the top half of areas assessed. Employment indicators suggest healthy labour market conditions relative to other regions. Recent job advertisement trends show the broader employment region experienced 3.9% growth, ranking 4.0th out of 37 regions nationally.
What employment opportunities exist for skilled workers in the suburb of Lake Cathie?
Skilled workers will find good opportunities in the suburb of Lake Cathie, with skilled sectors accounting for 39.0% of employment. Key sectors for skilled workers include health care & social assistance (18.1%), education & training (12.9%), and professional & technical (4.5%). With projected employment growth of 6.7% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Lake Cathie

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Median household income in Lake Cathie is $1,275 a week (about $66,000 a year), with median personal income at $658 a week. ATO records put median taxable income at $46,987 a year against an average of $58,451. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.

Detail

ATO postcode-level statistics for financial year 2023 compiled by AreaSearch indicate that the suburb of Lake Cathie recorded a median taxpayer income of $46,987 and an average of $58,451, trailing the broader Regional NSW benchmarks of $52,390 and $65,215 respectively. Factoring in an aggregate Wage Price Index rise of 10.32% since financial year 2023 brings estimated values to roughly $51,836 (median) and $64,483 (average) as of March 2026. In the 2021 Census, personal, family, and household earnings all ranked between the national 18th and 20th percentiles. In terms of earnings distribution, 28.8% of the community (1,527 individuals) earn in the $800 - 1,499 range, whereas the regional profile peaks in the $1,500 - 2,999 bracket at 29.9%.

Post-housing disposable income stands at 85.2%, placing the locality in the national 20th percentile and within the 5th decile for SEIFA economic advantage.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Lake Cathie?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Lake Cathie is approximately $51,836. The official ATO data from FY-23 recorded a median of $46,987.
What is the average taxable income in the suburb of Lake Cathie?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Lake Cathie is approximately $64,483. The official ATO data from FY-23 recorded an average of $58,451.
How does the median taxable income in the suburb of Lake Cathie compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Lake Cathie is approximately $51,836 compared to $57,797 in Regional NSW. The official ATO data from FY-23 shows $46,987 and $52,390 respectively.
How does the average taxable income in the suburb of Lake Cathie compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Lake Cathie is approximately $64,483 compared to $71,945 in Regional NSW. The official ATO data from FY-23 shows $58,451 and $65,215 respectively.
What are the main income cohorts in the suburb of Lake Cathie according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~28.8% / 1,527 persons) of the suburb of Lake Cathie's population is the $800 - 1,499 cohort.
How do the main income cohorts in the suburb of Lake Cathie compare to the region?
The largest income cohort in the suburb of Lake Cathie is the $800 - 1,499 group, representing about 28.8% of the population. In comparison, Regional NSW's largest income cohort is the $1,500 - 2,999 group, representing 29.9% of its population, according to the 2021 Census.
What is the median household income in the suburb of Lake Cathie according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Lake Cathie is $1,275/wk.
What is the median family income in the suburb of Lake Cathie according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Lake Cathie is $1,485/wk.
What is the median personal income in the suburb of Lake Cathie according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Lake Cathie is $658/wk.
How does the suburb of Lake Cathie's income rank nationally?
The suburb of Lake Cathie's income level is lower than average on a national basis according to the latest ATO data aggregated by AreaSearch for FY-23. The suburb of Lake Cathie's median income among taxpayers is $46,987 and the average income stands at $58,451, which compares to figures for Regional NSW's of $52,390 and $65,215 respectively. Based on Wage Price Index growth of 10.32% since FY-23, current estimates would be approximately $51,836 (median) and $64,483 (average) as of March 2026.
What is the disposable income in the suburb of Lake Cathie?
The estimated disposable income in the suburb of Lake Cathie is $4,710 per year according to AreaSearch analysis.
How does the suburb of Lake Cathie's disposable income compare to the region?
The suburb of lake cathie's disposable income is $4,710 compared to $5,252 for Regional NSW, based on AreaSearch analysis.

Housing StockHousing & Dwellings in Lake Cathie

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Lake Cathie had 1,713 occupied dwellings at the 2021 Census, 91% detached houses and 4% apartments. 28% are owned with a mortgage, 18% rented and 54% owned outright. At that Census the median rent was $380 a week and the median mortgage repayment $1,850 a month. Rent absorbs 29.8% of household income here and mortgage repayments 33.5%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.

Detail

Residential stock in Lake Cathie at the latest Census consisted of 91.1% houses and 9.0% other dwellings including apartments and semi-detached units, displaying a higher concentration of standalone houses than Regional NSW (82.6% houses and 17.4% other dwellings). Outright home ownership stood high at 54.0%, leaving remaining properties divided between mortgaged (28.3%) and rented (17.7%) tenures. The median monthly mortgage payment was $1,850 and median weekly rent was $380, compared with regional figures of $1,733 and $330. In the national context, local mortgage repayments sit below Australia's $1,863 median, whereas rental costs exceed the national baseline of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Lake Cathie?
In the suburb of Lake Cathie, 54.0% of homes are owned outright, 28.3% are owned with a mortgage, and 17.7% are rented.
What percentage of dwellings in the suburb of Lake Cathie are houses?
According to the latest data, 91.1% of dwellings in the suburb of Lake Cathie are houses.
What percentage of dwellings in the suburb of Lake Cathie are apartments or units?
In the suburb of Lake Cathie, 3.6% of dwellings are apartments or units, with an additional 5.4% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Lake Cathie?
Outright home ownership in the suburb of Lake Cathie stands at 54.0%, compared to 39.6% in Regional NSW.
What is the median monthly mortgage repayment in the suburb of Lake Cathie?
The median monthly mortgage repayment in the suburb of Lake Cathie is $1,850, compared to $1,733 in Regional NSW.
What is the median weekly rent in the suburb of Lake Cathie?
The median weekly rent in the suburb of Lake Cathie is $380, compared to $330 in Regional NSW.
What is the distribution of rental prices in the suburb of Lake Cathie?
In the suburb of Lake Cathie, 2.4% of rentals are $0-149/week, 37.0% are $150-349/week, 59.5% are $350-649/week, 1.0% are $650-949/week, and 0.0% are $950+/week.
What is the average monthly housing cost in the suburb of Lake Cathie?
The aggregate monthly housing cost in the suburb of Lake Cathie is $815, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Lake Cathie?
In the suburb of Lake Cathie, households with mortgages typically spend 33.5% of their income on mortgage repayments, while renters spend 29.8% of their income on rent.
How crowded are homes in the suburb of Lake Cathie?
The average persons per bedroom ratio in the suburb of Lake Cathie is 0.7, indicating the level of household density.
How does housing affordability in the suburb of Lake Cathie compare to the region?
Housing affordability in the suburb of Lake Cathie shows mortgage holders spending 33.5% of income on repayments (vs 27.9% regionally), while renters spend 29.8% of income on rent (vs 23.0% regionally).
What types of dwellings are most common in the suburb of Lake Cathie?
The dwelling mix in the suburb of Lake Cathie consists of 91.1% detached houses, 5.4% semi-detached dwellings, 3.6% apartments, and 0.0% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Lake Cathie?
Given the tenure profile of the area, the weighted average monthly housing cost is approximately $815. This accounts for outright owners paying no housing costs, mortgage holders paying $1,850/month, and renters paying $1,645/month.
How affordable is housing in the suburb of Lake Cathie relative to local incomes?
Housing in Lake Cathie consumes approximately 14.8% of median household income ($5,521 monthly), indicating costs are highly affordable. The generally accepted benchmark is that housing should not exceed 30% of household income.
How do proposed developments compare to existing housing types in the suburb of Lake Cathie?
Recent development applications in Lake Cathie show attached dwellings contributing 17% of approvals compared to 9% of existing stock, while detached houses represent 83% of applications versus 91% of current dwellings. This suggests increasing densification. Density increases remain below national trends.

HouseholdsHousehold Composition in Lake Cathie

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Lake Cathie counted 1,713 households at the 2021 Census, an estimated 2,115 today, averaging 2.4 people each. 24% are couples with children, against 41% couples without children. 23% of households are people living alone, and families average 2.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.

Detail

Family arrangements represent 75.8% of all residences, structured into 40.9% couples without children, 24.2% couples with children, and 9.8% single parent families. The balance of 24.2% consists of non-family dwellings, dominated by lone person households at 23.1% and group living situations at 1.1%. The typical household size sits at 2.4 people, matching the average for Regional NSW.

Frequently Asked Questions - Households

How many households are in the suburb of Lake Cathie?
As of the 2021 Census, the suburb of Lake Cathie had 1,713 households. Based on population growth patterns, this has grown by approximately 23.5% to an estimated 2,115 households today.
What is the typical household size?
The median household size in the suburb of Lake Cathie is 2.4 people. This compares to 2.4 in Regional NSW and reflects the area's household composition mix.
What types of households are most common?
Family households dominate at 75.8% of all households. The remaining households consist of lone person households (23.1%), group households (1.1%), and other household types (0.1%).
How are families structured in the area?
Among the 1,298 family households, 24.2% are couples with children, 40.9% are couples without children at home, and 9.8% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Lake Cathie compare to regional household patterns?
Compared to Regional NSW, the suburb of Lake Cathie shows distinct household patterns. Family households are notably over-represented at 75.8% (versus 68.8% regionally). This family-oriented profile influences local demand for family homes, schools, and children's services.
What is the average family size?
Families in the suburb of Lake Cathie have an average of 2.0 children, slightly above the Regional NSW average of 1.8. This influences local demand for child-related services and larger family homes.
What are the marriage patterns in the suburb of Lake Cathie?
Marriage patterns reveal 55.9% of the adult population are currently married, while 24.9% have never married. This compares to 45.6% married and 34.3% never married across Regional NSW.
How significant are single-person households?
Single-person households represent 23.1% of all households in the suburb of Lake Cathie, similar to the regional average of 27.9%. This affects demand for smaller dwellings and single-person accommodation.
Are shared living arrangements common?
Group households (unrelated people sharing) account for 1.1% of households, well below the Regional NSW average of 3.3%. This low rate suggests limited student or young professional shared accommodation.
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EducationSchools & Education in Lake Cathie

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18.3% of adults in Lake Cathie hold a university qualification, including 13.3% with a bachelor degree and 2.8% with postgraduate qualifications. A further 32.9% hold a vocational qualification. 1 school serves the area, with 390 enrolment places and an average ICSEA of 1,007 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.

Detail

Higher educational attainment shows lower rates locally, with 18.3% holding tertiary degrees compared to 32.2% across NSW, highlighting an area for educational development. Within higher education, bachelor degrees represent 13.3%, postgraduate awards constitute 2.8%, and graduate diplomas account for 2.2%. In contrast, vocational and trade training is widespread, with 44.6% of residents aged 15+ holding vocational credentials, including 32.9% holding certificates and 11.7% with advanced diplomas. Continuous learning is pursued by 24.5% of residents who are enrolled in formal education. This enrollment comprises 9.6% attending primary schools, 7.1% in secondary education, and 2.4% enrolled in tertiary programs.

Frequently Asked Questions - Education

What percentage of people in the suburb of Lake Cathie have university qualifications?
18.3% of people aged 15 and over in the suburb of Lake Cathie have university qualifications, compared to 21.3% in the broader region.
What percentage of people in the suburb of Lake Cathie have no formal qualifications?
37.2% of people aged 15 and over in the suburb of Lake Cathie have no formal qualifications, compared to 39.1% regionally.
How does the suburb of Lake Cathie's education level compare to national averages?
The suburb of lake cathie ranks in the 45th percentile nationally for education based on AreaSearch's analysis of qualification and performance metrics.
What types of qualifications are most common in the suburb of Lake Cathie?
The most common qualifications in the suburb of Lake Cathie are: Certificate (32.9%), Bachelor Degree (13.3%), Advanced Diploma (11.7%).
What proportion of the suburb of Lake Cathie's population is currently attending educational institutions?
24.5% of the population in the suburb of Lake Cathie is currently engaged in formal education, with 9.6% in primary school, 7.1% in secondary school, 2.4% at university.
What is the ICSEA score for schools in the suburb of Lake Cathie?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Lake Cathie is 1007, indicating average socio-educational advantage (national average is 1000).
How many schools are located within the suburb of Lake Cathie?
There are 1 schools within the suburb of Lake Cathie, with a combined enrollment of approximately 390 students.
What types of schools are available in the suburb of Lake Cathie?
The suburb of lake cathie includes 1 primary school.

Schools Detail

AmenitiesServices & Amenities in Lake Cathie

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Getting AroundTransport & Commuting in Lake Cathie

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Public transport in Lake Cathie reaches 43 stops on 32 routes, timetabled for about 240 services a week. The typical home sits about 210 m from its nearest stop. Households keep an average of 1.5 vehicles. Stop and service counts are built from operators' published GTFS timetables and refresh with each timetable release; vehicle ownership is from the 2021 Census.

Detail

Public transport connectivity in the suburb of Lake Cathie comprises 43 active bus stops serviced by 32 routes that together deliver 238 weekly passenger trips. Access to transit is generally good, with typical dwelling distances to stops averaging 212 meters. As an outward-commuting residential locality, vehicle travel dominates with 95% commuting by private car, while household vehicle availability averages 1.5 per dwelling. In addition, 14.5% of working locals operated from home during the 2021 Census under prevailing COVID-19 settings. Transit service schedules across all lines deliver an average of 34 trips daily, which equates to roughly 5 weekly services at each individual stop.

Frequently Asked Questions - Transport

How many public transport stops are in Lake Cathie?
There are 43 public transport stops within the suburb of Lake Cathie.
How frequent are the transport services in Lake Cathie?
the suburb of Lake Cathie has 238 weekly trips across 32 routes, averaging 34 trips per day.
How far are residents from public transport in Lake Cathie?
On average, residential properties are 212 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Lake Cathie

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60.2% of residents in Lake Cathie report no long-term health condition. 7.0% need daily assistance with core activities, and 50.1% hold private health cover. The standardised death rate runs at 4.0 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

Overall wellness among residents in Lake Cathie aligns closely with national standards based on AreaSearch mortality and morbidity analyses, with low rates of standard ailments seen across both younger and older demographics. Private medical insurance adoption is comparatively low, covering approximately 50% of the population (~2,655 people) versus 55.7% nationally. The leading diagnosed conditions across the suburb are arthritis at 13.3 and mental health conditions at 7.8%, while 60.2% reported no long-term illnesses compared to 63.3% across Regional NSW. Working-age adults display higher than typical rates of chronic ailments. Furthermore, seniors aged 65 and over make up 34.6% of residents (1,834 people), well above the 23.3% regional benchmark, with older residents experiencing above-average health results consistent with wider national rankings.

Frequently Asked Questions - Health

How many people in the suburb of Lake Cathie have private health insurance?
Around 50.1% of people in the suburb of Lake Cathie are covered by private health insurance, which compares to 51.9% in the broader region of Regional NSW.
What percentage of the population requires ongoing medical assistance in the suburb of Lake Cathie?
In the suburb of Lake Cathie, 7.0% of the population is identified as requiring ongoing medical assistance. This figure is slightly different from the regional average, where 6.8% of people in Regional NSW require similar assistance.
How prevalent is asthma in the suburb of Lake Cathie?
6.8% of people in the suburb of Lake Cathie are diagnosed with asthma. In comparison, 8.4% of the population across Regional NSW is affected by asthma.
What percentage of people have diabetes in the suburb of Lake Cathie?
Diabetes affects 4.9% of the the suburb of Lake Cathie population, while in the surrounding region, 4.7% of people are diagnosed with diabetes.
What is the percentage of people with heart disease in the suburb of Lake Cathie?
5.4% of people in the suburb of Lake Cathie have heart disease. Across the region of Regional NSW, 4.4% of the population is affected by heart disease.
How does the suburb of Lake Cathie compare to the region in terms of overall private health coverage?
In the suburb of Lake Cathie, 50.1% of the population are estimated to have private health insurance. Comparatively, Regional NSW sees an estimated private health coverage rate of 51.9%.

Ancestry & LanguageCultural Diversity in Lake Cathie

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Lake Cathie is largely Australian-born, at 89.0% of residents, with 2.3% speaking a language other than English at home. The largest reported ancestries are English (32.8%) and Australian (32.7%). 3.2% of residents identify as Aboriginal and/or Torres Strait Islander. Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.

Detail

Cultural diversity measures in Lake Cathie remain below nationwide figures, with Australian-born citizens comprising 89.0% of the community, 94.3% holding citizenship, and 97.7% communicating exclusively in English at home. Christianity forms the dominant faith at 58.6% of residents, compared to 55.9% across Regional NSW. Looking at parental heritage, the leading ancestral backgrounds in Lake Cathie are English (32.8%), Australian (32.7%), and Scottish (9.4%). Notable proportional variations appear in other backgrounds, with Maltese representing 0.6% (compared to 0.4% regionally), French accounting for 0.5% (against 0.4%), and Australian Aboriginal background comprising 3.2% (relative to 4.6% regionally).

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Lake Cathie?
Lake Cathie was found to be below average in terms of cultural diversity, with 89.0% of its population born in Australia, 94.3% being citizens, and 97.7% speaking English only at home.
What is the most common religion in the suburb of Lake Cathie?
The main religion in Lake Cathie was found to be Christianity, which makes up 58.6% of people in Lake Cathie. This compares to 55.9% across Regional NSW.
What are the top countries of origin in the suburb of Lake Cathie?
In terms of ancestry (country of birth of parents), the top three represented groups in Lake Cathie are English, comprising 32.8% of the population, Australian, comprising 32.7% of the population, and Scottish, comprising 9.4% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Maltese is notably overrepresented at 0.6% of Lake Cathie (vs 0.4% regionally), French at 0.5% (vs 0.4%) and Australian Aboriginal at 3.2% (vs 4.6%).
How does the percentage of people born overseas compare to the regional average?
11.0% of the the suburb of Lake Cathie population was born overseas, compared to 13.0% regionally.
What percentage of the the suburb of Lake Cathie population speaks a language other than English at home?
2.3% of the population in the suburb of Lake Cathie speaks a language other than English at home, compared to 7.1% in the wider region.
How many people in the suburb of Lake Cathie identify as Australian Aboriginal?
3.2% of the the suburb of Lake Cathie population identifies as Australian Aboriginal, compared to 4.6% in the region.
What is the citizenship status of the population in the suburb of Lake Cathie?
94.3% of the the suburb of Lake Cathie population holds citizenship, compared to 89.2% in the wider region.

Age StructureAge Profile of Lake Cathie

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The median resident of Lake Cathie is 52, older than 94% of areas nationally. 15.4% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.

Detail

The local population structure shows a substantial weighting toward older age groups. As at August 2026, the 65+ cohort comprises 34.6% of residents against 23.3% in Regional NSW, whereas adults aged 25 - 44 account for 15.3% compared to 23.5% regionally. The median age remains at 52, mirroring the 2021 Census figure and exceeding both the Regional NSW median of 43 and the Australian median of 38 recorded at that time. The retiree and elderly segment has expanded from 31.5% at the Census to an estimated 34.6% currently. Forecasts to 2041 indicate this older group will absorb the greatest volume of growth, gaining 412 residents (22%) to reach 2,247, while young to middle aged adults will record the quickest relative expansion, growing 28% to 1,041.

Frequently Asked Questions - Age

What is the median age in the suburb of Lake Cathie?
AreaSearch estimates the median age in the suburb of Lake Cathie at 52 years as at August 2026. That is in line with the 2021 Census figure of 52 years, on an age profile AreaSearch re-estimates for population change recorded since the Census.
How does the suburb of Lake Cathie's median age compare to broader areas?
At an estimated 52 years as at August 2026, Lake Cathie is 9 years older than the Regional NSW 2021 Census average (43 years) and 14 years older than the national Census average (38 years).
What age groups are over-represented in the suburb of Lake Cathie?
On AreaSearch estimates updated to August 2026, the most over-represented age group in the suburb of Lake Cathie compared to the Regional NSW region is the 65 - 74 group, making up 18.8% of the population.
What age groups are under-represented in the suburb of Lake Cathie?
On AreaSearch estimates updated to August 2026, the most under-represented age group in the suburb of Lake Cathie compared to the Regional NSW region is the 25 - 34 group, making up 6.3% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Lake Cathie show significant variance compared to the Regional NSW region. The most over-represented age groups are 75-84 year-olds (13.2% vs 8.2%) and 65-74 year-olds (18.8% vs 12.3%). The most under-represented age group is 25-34 year-olds (6.3% vs 11.5%).
What is the percentage of children (0-14 years) in the suburb of Lake Cathie?
AreaSearch estimates children aged 0-14 years at 15.7% of the population in the suburb of Lake Cathie as at August 2026.
What is the percentage of older people (65+ years) in the suburb of Lake Cathie?
AreaSearch estimates people aged 65 and over at 34.6% of the population in the suburb of Lake Cathie as at August 2026.

Data & MethodBoundaries, Sources & Method for Lake Cathie

Data currency Refreshed

9 of 14 data sections on this page were updated within the last 12 months — the newest current to Sep 2026.

Everything is aggregated to the Suburb (SAL) boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.

The ledger — source, cycle and currency by section

Section Source & update cycle Currency
Updated within the last 12 months 9 sections
Population ABS, GNAF, Geoscience Australia Annual (ABS ERP) Aug 2026 last month headline measures · 2021 Census baseline
Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to Aug 2026, with the 2021 Census supplying the small-area baseline.
Age profile ABS, Geoscience Australia, State governments Annual Aug 2026 last month headline measures · 2021 Census baseline
Age cohorts are re-based to the latest ABS population estimates and state projections, current to Aug 2026. Each cohort is held as a Census baseline and a current estimate.
Development & approvals ABS, GNAF Monthly (ABS approvals) Aug 2026 last month headline measures · Jun 2026 baseline
Property sales & rents Valuer General, Rental Board, ABS Weekly sales, quarterly rents Sep 2026 this month all 21 measures
Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Sep 2026.
Infrastructure projects Infrastructure Australia, State agencies, Local governments Daily Aug 2026 last month all 6 projects tracked here
Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated Aug 2026.
Employment ABS, DEWR, JSA Quarterly (ABS SALM) Mar 2026 6 months ago headline measures · 2021 Census baseline
Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census.
Education ABS, ACARA Annual (ACARA) Aug 2026 last month headline measures · 2021 Census baseline
Transport ABS, State Transport Departments Each timetable release Jul 2026 2 months ago headline measures · 2021 Census baseline
Services & amenities Provider directories, ACECQA Continuous Jul 2026 2 months ago all 14 measures
Annual and financial-year sources 2 sections
Income ABS, ATO Annual (ATO) FY 2023 3 years ago headline measures · 2021 Census baseline
ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail.
Health ABS, ATO Annual 2024 2 years ago headline measures · 2021 Census baseline
Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current.
Housing ABS 5-yearly (Census) 2021 Census next update 2026 all 30 measures
Households ABS 5-yearly (Census) 2021 Census next update 2026 all 18 measures
Cultural diversity ABS, Geoscience Australia 5-yearly (Census) 2021 Census next update 2026 all 44 measures

"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.

How the numbers are built

Population

The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 514 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (4,296 at the 2021 Census → 5,303 now). Annual growth rates are compound (CAGR), not simple averages.

Age profile

Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to Aug 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".

Property sales

Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.

Rents

Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.

Development & infrastructure

Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.

Employment & income

Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.

Education, transport & amenities

School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.

Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.

Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.

Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (SAL12251). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.

Common questions about this page

How do Lake Cathie suburb boundaries differ from Statistical Areas?
This page uses Suburbs and Localities (SAL) boundaries (suburb-style geography). SAL represents commonly-known suburb names used in addresses, while Statistical Areas (SA2) are designed for census/statistical reporting. Even when sharing the same name, SAL and SA2 boundaries often cover different geographic areas with different populations.
Where does the data on this Lake Cathie page come from?
AreaSearch compiles this page from official and industry sources — including ABS, Geoscience Australia, Valuer General, Provider directories, DEWR, JSA, State Transport Departments and ACARA — then aggregates them to the boundary shown and calculates the rankings, growth rates and benchmarks itself. Property sales come from the state valuation authority, rents from state rental bond lodgements, development applications from council and state planning portals, school data from ACARA, and public transport from state transport departments.
Is the Lake Cathie data on this page just from the 2021 Census?
No. Most of this page is maintained well beyond the Census. Sourced entirely from current releases: development & approvals (Aug 2026), property sales & rents (Sep 2026), infrastructure projects (Aug 2026) and services & amenities (Jul 2026). Built on a Census baseline but carrying newer measures on top: population (to Aug 2026), age profile (to Aug 2026), employment (to Mar 2026), income (to FY 2023), education (to Aug 2026), transport (to Jul 2026) and health (to 2024). Population and age cohorts in particular are re-based to the latest ABS Estimated Resident Population rather than left at 2021 counts. Only housing, households and cultural diversity remain wholly Census-based, because no more current small-area dataset exists for those measures.

Nearby Areas