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 ABS population updates and AreaSearch validations, the suburb of Teralba's population is estimated at around 2,940 as of Feb 2026. This reflects an increase of 286 people since the 2021 Census, which reported a population of 2,654 people. The change is inferred from AreaSearch's estimate of 2,861 residents following examination of ABS ERP data release in June 2024 and additional validated new addresses since the Census date. This level of population equates to a density ratio of 206 persons per square kilometer. Teralba's growth rate of 10.8% since the 2021 census exceeded Rest of NSW's 5.9%, marking it as a growth leader in the region. Population growth was primarily driven by interstate migration contributing 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 areas not covered, NSW State Government's SA2 level projections released in 2022 with 2021 as the base year are used. Growth rates by age group from these aggregations are applied to all areas for years 2032 to 2041. Future population trends forecast a significant increase in the top quartile of regional areas, with the suburb expected to grow by 865 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 24.6% over the 17 years.

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

Teralba experienced approximately 19 dwelling approvals per year based on AreaSearch analysis. From FY-21 to FY-25, around 96 homes were approved, with an additional 5 in FY-26. This results in about 3.4 people moving to the area annually for each new dwelling built over these years.

Demand significantly exceeds supply, indicating potential price growth and increased buyer competition. The average construction cost of new dwellings is $472,000, suggesting developers target premium market segments with higher-end properties. This financial year, Teralba has seen $1.7 million in commercial approvals, predominantly focused on residential development.

Compared to the Rest of NSW, Teralba has about three-quarters the rate of new dwelling approvals per person but ranks among the 84th percentile nationally. Construction activity has recently intensified, with new developments consisting of 80.0% detached dwellings and 20.0% townhouses or apartments, maintaining the area's traditional low-density character. Teralba has approximately 116 people per dwelling approval, indicating an expanding market. By 2041, AreaSearch estimates Teralba's population will grow by 723 residents. Development is keeping pace with projected growth, though increasing competition among buyers can be expected as the population expands.

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

Infrastructure changes significantly influence an area's performance. AreaSearch identified 13 projects likely impacting the region. Notable initiatives 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 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.

The employment landscape in Teralba shows performance that lags behind national averages across key labour market indicators

Teralba has a skilled workforce with essential services sectors well represented. The unemployment rate was 3.7% as of the past year, with an estimated employment growth of 2.8%. As of September 2025, 1,413 residents are employed while the unemployment rate is 0.2% lower than Rest of NSW's rate of 3.8%.

Workforce participation stands at 65.7%, compared to Rest of NSW's 61.5%. According to Census responses, 23.4% of residents work from home, though Covid-19 lockdown impacts should be considered. Key industries of employment among residents are health care & social assistance, construction, and retail trade, while agriculture, forestry & fishing shows lower representation at 0.2% versus the regional average of 5.3%.

Many residents commute elsewhere for work based on Census data. Between September 2024 and September 2025, employment increased by 2.8% while labour force increased by 3.5%, causing unemployment to rise by 0.6 percentage points. In contrast, Rest of NSW saw employment contract by 0.5%, labour force fall by 0.1%, and unemployment rise by 0.4 percentage points. Jobs and Skills Australia's national employment forecasts from May-25 suggest that Teralba's employment should increase by 6.8% over five years and 14.1% over ten years, based on industry-specific projections applied to Teralba's employment mix.

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

According to AreaSearch's aggregation of latest postcode level ATO data released on June 30, 2023, Teralba had a median income among taxpayers of $60,941. The average income stood at $79,344. These figures are significantly higher than national averages and compare to $52,390 and $65,215 across Rest of NSW respectively. Based on Wage Price Index growth of 8.86% since June 30, 2023, estimated incomes for September 2025 would be approximately $66,340 (median) and $86,374 (average). Census data shows household, family, and personal incomes in Teralba cluster around the 63rd percentile nationally. Incomes between $1,500 - 2,999 capture 36.4% of the community (1,070 individuals), similar to surrounding regions at 29.9%. High housing costs consume 15.9% of income. Despite this, disposable income ranks 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

The dwelling structure in Teralba, as per the latest Census, consisted of 87.5% houses and 12.6% other dwellings (semi-detached, apartments, 'other' dwellings). This compares to Non-Metro NSW's 82.6% houses and 17.4% other dwellings. Home ownership in Teralba was at 28.3%, with the remaining dwellings being mortgaged (49.6%) or rented (22.1%). The median monthly mortgage repayment in Teralba was $2,167, higher than Non-Metro NSW's average of $1,733. The median weekly rent figure for Teralba was recorded at $363, compared to Non-Metro NSW's $330. Nationally, Teralba's mortgage repayments were significantly higher than the Australian average of $1,863, while rents were less than the national figure of $375.

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

Family households constitute 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 comprise 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 2.4.

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 the NSW average of 32.2%. This discrepancy presents both a challenge and an opportunity for targeted educational initiatives. Bachelor degrees are 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 such qualifications – advanced diplomas at 10.9% and certificates at 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, offering a mix of train and bus services. These stops are served by 32 different routes, together facilitating 1,018 weekly passenger trips. Transport accessibility is deemed good, with residents typically residing 259 meters from the nearest stop. Predominantly residential, most Teralba residents commute outward using cars, which remain the primary mode of transport at 96%. On average, there are 1.6 vehicles per dwelling. According to the 2021 Census, 23.4% of residents work from home, potentially influenced by COVID-19 conditions.

Service frequency averages 145 trips daily across all routes, translating 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. The area has a considerably higher prevalence of common health conditions compared to averages, with older age cohorts experiencing these issues to an even greater extent.

Approximately 58% (~1,712 people) of Teralba's total population has private health cover, which is higher than the Rest of NSW average of 51.9%. Mental health issues and arthritis are the most common medical conditions in Teralba, affecting 10.7% and 9.9% of residents respectively. However, 62.9% of residents claim to be completely clear of medical ailments, compared to 63.3% across Rest of NSW. Working-age residents in Teralba have an above-average prevalence of chronic health conditions. The area has 15.3% of residents aged 65 and over (449 people), which is lower than the Rest of NSW average of 23.4%. While health outcomes among seniors present some challenges, they rank lower nationally compared to broader population averages.

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 cultural diversity index of below average. Its population was predominantly born in Australia, with 90.8%, and were citizens, with 92.7%. English was spoken at home by 95.2% of residents.

Christianity was the primary religion, practiced by 51.9%, compared to 55.9% 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 0.2% and 0.4%, respectively. Samoan ethnicity was also higher than the region's average at 0.3%.

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 Rest of NSW's average of 43 and somewhat younger than Australia's median age of 38. The 25-34 age group makes up 17.4% of the population in Teralba compared to Rest of NSW, while the 65-74 cohort is less prevalent at 7.7%. According to post-2021 Census data, Teralba has become younger with a median age drop of 1.2 years from 37 to 36. The 35-44 age group grew from 14.0% to 16.2%, and the 25-34 cohort increased from 15.9% to 17.4%. Conversely, the 55-64 cohort declined from 11.6% to 9.1%, and the 45-54 group dropped from 10.8% to 9.4%. By 2041, Teralba is projected to experience notable shifts in its age composition, with the 35-44 age cohort expected to grow by 198 people (42%) from 476 to 675, while the 65-74 cohort shows minimal growth of just 1 person.