Teralba

Teralba lies within the top quartile of areas nationally for population growth performance according to AreaSearch analysis of recent, and medium to long-term trends

Based on analysis of ABS population updates for the broader area, and new addresses validated by AreaSearch since the Census, Teralba's population is estimated at around 2,940 as of Nov 2025. This reflects an increase of 286 people (10.8%) since the 2021 Census, which reported a population of 2,654 people. The change is inferred from the resident population of 2,861 estimated by AreaSearch following examination of the latest ERP data release by the ABS in June 2024 and an additional 81 validated new addresses since the Census date. This level of population equates to a density ratio of 206 persons per square kilometer. Teralba's 10.8% growth since the 2021 census exceeded the non-metro area (5.7%), along with the SA4 region, marking it as a growth leader in the region. Population growth for the area was primarily driven by interstate migration that contributed approximately 85.0% of overall population gains during recent periods.

AreaSearch is adopting ABS/Geoscience Australia projections for each SA2 area, released in 2024 with 2022 as the base year. For any SA2 areas not covered by this data, AreaSearch is utilising the NSW State Government's SA2 level projections, released in 2022 with 2021 as the base year. Growth rates by age group from these aggregations are also applied to all areas for years 2032 to 2041. As we examine future population trends, a significant population increase in the top quartile of regional areas across the nation is forecast. The Teralba statistical area (Lv2) is expected to grow by 859 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 24.7% in total over the 17 years.

AreaSearch assessment of residential development activity positions Teralba among the top 25% of areas assessed nationwide

Based on AreaSearch analysis, Teralba had approximately 19 dwelling approvals per year. From FY-21 to FY-25, around 96 homes were approved, with an additional 5 in FY-26. Each new dwelling attracted about 3.4 people annually over the past five financial years.

This demand outpaces supply, potentially driving price growth and increased competition among buyers. The average construction cost for new homes was $472,000, indicating a focus on premium market properties. In FY-26, commercial approvals totaled $1.7 million, suggesting a residential dominance.

Compared to Rest of NSW, Teralba had about three-quarters the rate of new dwelling approvals per person but ranked in the 84th percentile nationally. Recent construction activity has intensified. New developments consisted of 80% detached dwellings and 20% townhouses or apartments, maintaining the area's low-density character. There were approximately 116 people per dwelling approval, indicating an expanding market. By 2041, Teralba is projected to grow by 726 residents. Development is keeping pace with population growth, though buyers may face increasing competition as the population expands.

Teralba has very high levels of nearby infrastructure activity, ranking in the top 20% nationally

AreaSearch has identified 13 projects that could impact the area significantly. Key projects include Lake Macquarie High School HPGE Upgrades, Speers Point Transport Improvements, Winten Cameron Park Stage 5 Development, and Weemala at the Lake. The following list details those likely to be most relevant.

Professional plan users can use the search below to filter and access additional projects.

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AreaSearch analysis indicates Teralba maintains employment conditions that align with national benchmarks

Teralba has a skilled workforce with essential services sectors well represented. Its unemployment rate was 3.7% in the past year, lower than the Rest of NSW's rate of 3.8%.

Employment growth was estimated at 2.9%. As of September 2025, 1,424 residents are employed, with an unemployment rate of 0.2% below the regional average and workforce participation at 62.4%, higher than Rest of NSW's 56.4%. Key industries for employment among residents include health care & social assistance, construction, and retail trade, while agriculture, forestry & fishing shows lower representation at 0.2% compared to the regional average of 5.3%.

Between September 2024 and September 2025, employment increased by 2.9%, labour force increased by 3.6%, causing unemployment rate to rise by 0.6 percentage points. This contrasts with Rest of NSW where employment contracted by 0.5% over the same period. State-level data from 25-Nov-25 shows NSW employment contracted by 0.03%, with a state unemployment rate of 3.9%. National employment forecasts from May-25 project national employment expansion by 6.6% over five years and 13.7% over ten years, but growth rates vary significantly between industry sectors. Applying these projections to Teralba's employment mix suggests local employment should increase by 6.8% over five years and 14.1% over ten years.

The area exhibits notably strong income performance, ranking higher than 70% of areas assessed nationally through AreaSearch analysis

According to AreaSearch's aggregation of the latest postcode level ATO data released for financial year 2023, Teralba had a median income among taxpayers of $60,941. The average income stood at $79,344. These figures are high compared to national levels and those in Rest of NSW, which were $52,390 and $65,215 respectively. Based on Wage Price Index growth of 8.86% since financial year 2023, estimated median income as of September 2025 would be approximately $66,340, with average income at around $86,374. Census data indicates that incomes in Teralba cluster around the 63rd percentile nationally. The earnings band of $1,500 - 2,999 captures 36.4% of the community (1,070 individuals), similar to surrounding regions where 29.9% fall within this range. High housing costs consume 15.9% of income, but strong earnings place disposable income at the 69th percentile. Teralba's SEIFA income ranking places it in the 5th decile.

Teralba is characterized by a predominantly suburban housing profile, with ownership patterns similar to the broader region

The dwelling structure in Teralba, as evaluated at the latest Census, consisted of 87.5% houses and 12.6% other dwellings (semi-detached, apartments, 'other' dwellings), compared to Non-Metro NSW's 87.9% houses and 10.3% other dwellings. Home ownership in Teralba was at 28.3%, with mortgaged dwellings at 49.6% and rented dwellings at 22.1%. The median monthly mortgage repayment in the area was $2,167, higher than Non-Metro NSW's average of $1,900. The median weekly rent figure was recorded at $363, compared to Non-Metro NSW's $380. Nationally, Teralba's mortgage repayments were significantly higher than the Australian average of $1,863, while rents were lower than the national figure of $375.

Teralba has a typical household mix, with a higher-than-average median household size

Family households account for 75.3% of all households, including 36.1% couples with children, 25.9% couples without children, and 11.4% single parent families. Non-family households constitute the remaining 24.7%, with lone person households at 22.7% and group households comprising 2.5%. The median household size is 2.6 people, which is larger than the Rest of NSW average of 2.5.

Educational outcomes in Teralba fall within the lower quartile nationally, indicating opportunities for improvement in qualification attainment

The area's university qualification rate is 18.9%, significantly lower than the NSW average of 32.2%. This presents both a challenge and an opportunity for targeted educational initiatives. Bachelor degrees are the most common at 13.0%, followed by postgraduate qualifications (3.4%) and graduate diplomas (2.5%). Trade and technical skills are prominent, with 44.0% of residents aged 15+ holding vocational credentials – advanced diplomas (10.9%) and certificates (33.1%).

Educational participation is high, with 27.1% of residents currently enrolled in formal education. This includes 10.1% in primary education, 6.2% in secondary education, and 3.9% pursuing tertiary education.

Transport servicing is moderate compared to other areas nationally based on assessment of service frequency, route connectivity and accessibility

Teralba has 18 active public transport stops. These include both train and bus services. There are 32 individual routes operating in total, providing 1,018 weekly passenger trips combined.

The accessibility of these transport options is rated as good, with residents typically located 259 meters from the nearest stop. On average, there are 145 trips per day across all routes, which equates to approximately 56 weekly trips per individual stop.

Health performance in Teralba is well below average with considerably higher than average prevalence of common health conditions and to an even higher degree among older age cohorts

Teralba faces significant health challenges with a higher prevalence of common conditions compared to average, particularly among older age groups. The rate of private health cover in Teralba is high at approximately 58% (~1,712 people), compared to 51.7% across the rest of NSW.

Mental health issues and arthritis are the most prevalent conditions, affecting 10.7% and 9.9% of residents respectively. However, 62.9% of residents report no medical ailments, slightly higher than the 60.3% average in the rest of NSW. Teralba has a lower proportion of seniors aged 65 and over at 15.4% (452 people), compared to 21.9% in the rest of NSW. Despite this, health outcomes among seniors require more attention than the broader population.

Teralba is considerably less culturally diverse than average when assessed alongside AreaSearch's national rankings for language and cultural background related metrics

Teralba, as per the 2016 Census, had a population where 90.8% were born in Australia, 92.7% were citizens, and 95.2% spoke English only at home. Christianity was the predominant religion, practiced by 51.9% of Teralba's residents, compared to 54.0% across Rest of NSW. The top three ancestry groups were English (32.7%), Australian (31.6%), and Scottish (7.9%).

Notably, Hungarian (0.5%) and Macedonian (0.3%) ethnicities were overrepresented in Teralba compared to regional averages of 0.1% and 0.2%, respectively. Samoan ethnicity was present at 0.3%, similar to the regional average of 0.3%.

Teralba's population is slightly younger than the national pattern

The median age in Teralba as of the 2021 Census was 36 years, which is significantly lower than Rest of NSW's average of 43 years and somewhat younger than Australia's median age of 38 years. The 25-34 age group constituted 17.2% of Teralba's population, higher than Rest of NSW's percentage, while the 65-74 age cohort made up 7.7%, which is less prevalent compared to Rest of NSW. Post-2021 Census data shows a decrease in median age by 1.0 years from 37 to 36. The 35-44 age group grew from 14.0% to 15.7% of the population, and the 25-34 cohort increased from 15.9% to 17.2%. Conversely, the 55-64 age cohort declined from 11.6% to 9.6%, and the 45-54 age group dropped from 10.8% to 9.6%. By 2041, Teralba is projected to experience notable shifts in its age composition, with the 35-44 age cohort expected to grow by 221 people (48%) from 461 to 683. Conversely, numbers in the 55-64 age range are expected to fall by 8 people.