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

The population of Teralba is estimated at approximately 2,946 as of May 2026, reflecting an increase of 292 people since the 2021 Census which reported a population of 2,654. This growth represents an 11.0% increase and is inferred from AreaSearch's resident population estimate of 2,941 following examination of ABS's latest ERP data release in June 2025 and additional validated new addresses since the Census date. The suburb has a population density ratio of 206 persons per square kilometer. Teralba's growth exceeded that of Rest of NSW (4.9%) and its SA4 region, marking it as a growth leader. Interstate migration contributed approximately 85.0% of overall population gains during recent periods. AreaSearch adopts ABS/Geoscience Australia projections for each SA2 area released in 2024 with 2022 as the base year, and NSW State Government's SA2 level projections for areas not covered by this data, released in 2022 with 2021 as the base year.

Growth rates by age group are applied to all areas for years 2032 to 2041. By 2041, Teralba's population is projected to increase by 782 persons, reflecting a 26.4% total increase over the 16-year period.

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

Based on AreaSearch analysis of ABS building approval numbers from statistical area data, Teralba averaged approximately 19 new dwelling approvals annually. Between financial years FY-21 and FY-25, around 96 homes were approved, with another 7 approved so far in FY-26. This equates to an estimated 6.6 new residents per year arriving for each dwelling constructed during this period.

Demand significantly exceeds new supply, which typically results in price growth and increased buyer competition. The average construction value of new dwellings is $472,000, indicating a focus on the premium market segment with higher-end properties. In FY-26, commercial approvals totalled $1.7 million, suggesting a predominantly residential focus.

Compared to the Rest of NSW, Teralba has around three-quarters the rate of new dwelling approvals per person, while it ranks among the 84th percentile of areas assessed nationally. Recent construction activity has intensified in the area. New development consists of 80.0% detached dwellings and 20.0% attached dwellings, maintaining Teralba's traditional low density character with a focus on family homes appealing to those seeking space. With approximately 118 people per dwelling approval, Teralba exhibits characteristics of a growth area. According to the latest AreaSearch quarterly estimate, Teralba is projected to grow by 777 residents through to 2041. If current construction levels persist, housing supply may lag population growth, potentially intensifying buyer competition and underpinning price growth.

Teralba has very high levels of nearby infrastructure activity, ranking in the top 10% nationally

Changes to local infrastructure significantly impact an area's performance. AreaSearch has identified thirteen projects that may affect this region. Notable ones 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 most likely to be relevant.

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

Denotes AI-based impression for illustrative purposes only, not to be taken as definitive under any circumstances. Please follow links and conduct other investigations from the project's source for actual imagery. Developers and project owners wishing us to use original imagery please Contact Us and we will do so.

Employment conditions in Teralba remain below the national average according to AreaSearch analysis

Teralba has a skilled workforce with essential services sectors well represented. The unemployment rate was 4.6% in the past year, with an estimated employment growth of 1.2%. As of December 2025, 1,481 residents are employed, with an unemployment rate of 4.6%, which is 0.6% higher than Regional NSW's rate of 3.9%.

Workforce participation in Teralba was 66.9%, compared to Regional NSW's 60.5%. According to Census responses, 23.4% of residents work from home. Key industries for employment among residents are health care & social assistance, construction, and retail trade.

Agriculture, forestry & fishing is under-represented, with only 0.2% of Teralba's workforce compared to 5.3% in Regional NSW. Many residents commute elsewhere for work based on the count of Census working population to local population. Between December 2024 and December 2025, employment levels increased by 1.2%, labour force increased by 2.9%, causing the unemployment rate to rise by 1.7 percentage points. In comparison, Regional NSW saw employment fall by 1.2%, labour force contract by 0.8%, and unemployment rise by 0.4 percentage points. Jobs and Skills Australia's national employment forecasts from May-25 suggest that national employment should expand by 6.6% over five years and 13.7% over ten years. Applying these projections to Teralba's employment mix, local employment is estimated to 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

AreaSearch's latest postcode level ATO data for financial year 2023 shows median income in Teralba is $60,941 and average income is $79,344. Regional NSW has a median income of $52,390 and an average income of $65,215. Based on Wage Price Index growth of 10.32% since financial year 2023, current estimates for Teralba are approximately $67,230 (median) and $87,532 (average) as of March 2026. According to the 2021 Census, incomes in Teralba cluster around the 63rd percentile nationally. The largest earnings segment comprises 36.4% earning $1,500 - $2,999 weekly, with 1,072 residents in this bracket. High housing costs consume 15.9% of income, but strong earnings place disposable income at the 69th percentile nationally. 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

Teralba's dwelling structure, as per the latest Census, consisted of 87.5% houses and 12.6% other dwellings (semi-detached, apartments, 'other' dwellings). This compares to Regional NSW's 82.6% houses and 17.4% other dwellings. Home ownership in Teralba was at 28.3%, with mortgaged dwellings at 49.6% and rented ones at 22.1%. The median monthly mortgage repayment in the area was $2,167, above Regional NSW's average of $1,733. The median weekly rent figure in Teralba was $363, compared to Regional NSW's $330. Nationally, Teralba's mortgage repayments were 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 compose 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 account for 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, larger than the Regional NSW average of 2.4.

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 NSW's average of 32.2%. Bachelor degrees are the most common at 13.0%, followed by postgraduate qualifications (3.4%) and graduate diplomas (2.5%). Vocational credentials are prevalent, with 44.0% of residents aged 15+ holding them - advanced diplomas at 10.9% and certificates at 33.1%. Educational participation is high, with 27.1% currently enrolled in formal education: 10.1% in primary, 6.2% in secondary, and 3.9% pursuing tertiary education.

Educational participation is notably 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 offering a mix of train and bus services. These stops are served by 32 routes, collectively facilitating 1,018 weekly passenger trips. Transport accessibility is rated as good, with residents located an average of 259 meters from the nearest stop. As a predominantly residential area, most commuters travel outward. Cars remain the primary mode of transport, used by 96% of residents. On average, there are 1.6 vehicles per dwelling.

According to the 2021 Census, 23.4% of residents work from home, which may be influenced by COVID-19 conditions. Service frequency averages 145 trips daily across all routes, equating 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, according to AreaSearch's assessment. Mortality rates and chronic condition prevalence are substantially higher than average, particularly among older age cohorts.

Private health cover is high at approximately 58% of the total population (~1,716 people), compared to 51.9% across Regional NSW. Mental health issues and arthritis are the most common medical conditions, affecting 10.7% and 9.9% of residents respectively. However, 62.9% of residents declare themselves completely clear of medical ailments, similar to the 63.3% in Regional NSW. Working-age residents show above average prevalence of chronic health conditions. The area has 15.7% of residents aged 65 and over (462 people), lower than the 23.4% in Regional NSW. Health outcomes among seniors present some challenges, ranking lower nationally 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 Australian Bureau of Statistics Census Data from June 2016, exhibited lower cultural diversity with 90.8% of its population born in Australia and 92.7% being citizens. English was spoken at home by 95.2%. Christianity was the predominant religion at 51.9%, slightly below Regional NSW's 55.9%.

Ancestry-wise, English (32.7%), Australian (31.6%), and Scottish (7.9%) were the top groups. Notably, Hungarian (0.5% vs regional 0.2%), Macedonian (0.3% vs 0.4%), and Samoan (0.3% vs 0.1%) populations showed higher representation in Teralba than regionally.

Teralba's population is slightly younger than the national pattern

The median age in Teralba as of 2021 is 36 years, which is significantly lower than Regional NSW's average of 43 years and somewhat younger than Australia's average of 38 years. The 25-34 age group has a strong representation at 17.3%, compared to Regional NSW. However, the 65-74 age cohort is less prevalent in Teralba at 8.1%. Post-2021 Census data shows that the area has become younger, with the median age dropping by 1.2 years from 37 to 36 between censuses. Specifically, the 35-44 age group grew from 14.0% to 16.1%, while the 25-34 cohort increased from 15.9% to 17.3%. Conversely, the 55-64 cohort declined from 11.6% to 9.4%, and the 85+ group dropped from 3.8% to 2.6%. By 2041, Teralba is expected to see notable shifts in its age composition. The 35-44 age cohort is projected to experience strong growth, expanding by 211 people (45%) from 474 to 686. In contrast, the 65-74 cohort shows minimal growth of just 1% (3 people).