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This analysis uses Suburbs and Localities (SAL) boundaries, which can materially differ from Statistical Areas (SA2) even when sharing the same name.
SAL boundaries are defined by Australia Post and the Australian Bureau of Statistics to represent commonly-known suburb names used in postal addresses.
Statistical Areas (SA2) are designed for census data collection and may combine multiple suburbs or use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
est. as @ -- *
2021 Census | -- people
The median house price in Terrigal is $1.63m, with units at $1.16m. House values have moved 2.4% a year compounded over five years.
Curious about local property values? Filter the chart to assess the volume and appreciation (including resales) trends and regional comparisons, or scroll to the map below view this information at an individual property level.
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Terrigal has an estimated 13,414 residents, up from 12,730 at the 2021 Census — a change of 684 people, or 5.4%. Growth has averaged 1.1% a year over five years. Overseas migration accounts for 78.0% of that increase. That puts 1,481 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
According to census and local data analysis, the suburb of Terrigal has an estimated residency of 13,414 people in May 2026. This represents a growth of 684 individuals, or 5.4%, relative to the 2021 Census count of 12,730. This current figure builds on a mid-2025 resident base of 13,401 determined from ABS records, combined with 44 validated new addresses added subsequently. The area exhibits a density of 1,480 persons per square kilometer, outstripping national averages. This 5.4% expansion rate outpaced both the broader SA3 (2.6%) and SA4 regions, positioning the suburb of Terrigal as a demographic frontrunner.
The growth was heavily underpinned by international migration, which was responsible for 78.0% of the overall increase. Projections for the statistical boundaries leverage ABS and Geoscience Australia forecasts issued in 2024 using 2022 baseline statistics, supplemented by state-level projections from 2022 with a 2021 baseline where necessary. Age-specific growth trends from these datasets are projected forward for the years 2032 to 2041. Based on these models, the suburb of Terrigal is poised for substantial gains that rank high among national areas, with a projected increase of 2,837 residents by 2041, representing a overall expansion of 21.1% over a 16-year horizon.
Frequently Asked Questions - Population
203 new dwellings have been approved in Terrigal over the past five years, an average of 40 a year. That places the area in the 67th percentile for residential development activity nationally, about 3 approvals per 1,000 residents a year. Of the 37 dwellings approved in the latest reporting year, 41% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 29, well below 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
Analysis of regional building statistics shows that housing construction approvals in the area have run at approximately 40 per annum, giving a total of 203 new homes over the last 5 financial years. Thus far during FY-26, there have been 27 additions approved. Given that recent years saw 3.5 new residents added for every completed dwelling between FY-21 and FY-25, demand remains well ahead of supply, putting upward pressure on pricing. Newly approved dwellings carry an average estimated value of $548,000, which reflects a focus on higher-end builds. Meanwhile, commercial construction activity remains modest, with $3.2 million in approvals registered in the current financial year.
Per capita building approvals sit 17.0% below the level seen in Greater Sydney, placing this locality in the 51st percentile across the nation. This lower rate of development suggests a mature market facing potential physical constraints. Recent approvals comprise 41.0% single houses and 59.0% multi-dwelling formats such as apartments or townhouses. This shift toward medium density options provides more entry-level pricing and suits downsizers or investors, marking a clear pivot from the historical housing stock where standalone homes account for 71.0% of properties. This change is driven by land availability and changing buyer preferences, with a ratio of 325 people per approved dwelling indicating a low-density pattern. Longer-term projections indicate the local population is set to expand by 2,824 residents by 2041 from the latest quarterly estimates. If current approval paces persist, local supply could struggle to match this growth, potentially tightening the market and boosting prices.
Frequently Asked Questions - Development
Development applications around Terrigal
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| Lodged | Address | Description | Type | Distance | Status |
|---|
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 20 current infrastructure and development projects inside Terrigal, worth an estimated $263 million. A further 11 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $1.13 billion. 5 are already under construction and 5 are due for completion within three years. The pipeline spans sports & recreation, transport & logistics and environmental & disaster management. 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 infrastructure projects, public works, and planning decisions significantly shape the region's performance. AreaSearch has identified 20 key projects with potential local impacts. Principal among these are the coastal protection works at Wamberal Beach, upgrades to the Central Coast Highway from Wamberal to Bateau Bay, intersection improvements at the Central Coast Highway and Tumbi Road, and upgrades to Wamberal Community Park.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
Central Coast Highway Upgrade - Wamberal to Bateau Bay
Transport for NSW is planning a major upgrade of the Central Coast Highway between Wamberal and Bateau Bay to improve traffic flow, safety and network resilience. The project includes corridor upgrades and has been prioritised in stages, with the Central Coast Highway and Tumbi Road intersection being delivered first under a separate construction package while planning continues for the broader corridor upgrade.
Wamberal Community Park Upgrade
Major upgrade to Wamberal Community Park including new playground equipment, improved sports facilities, additional parking, and enhanced landscaping. The project aims to provide better recreational facilities for the growing local community.
Wamberal Road Hazard Reduction Works
Road safety improvement works along Wamberal Road including installation of safety barriers, improved signage, line marking upgrades, and vegetation clearing to enhance sight lines. The project addresses identified accident black spots.
Wamberal Beach Coastal Protection Works
Long-term coastal erosion protection strategy for Wamberal Beach on the NSW Central Coast, developed under Central Coast Council's Open Coast Coastal Management Program (CMP). Three development applications for a continuous 1.3km whole-of-embayment seawall were lodged by the Wamberal Protection Association and beachfront landowners, but were unanimously refused by the Hunter and Central Coast Regional Planning Panel on 16 June 2026 due to unresolved landowner consent issues and inadequate provision for sand nourishment. Council has directed the CEO to work with consultants and landowners on an alternative medium to long-term design.Separately, the broader Open Coast CMP, which covers engineering design requirements, sand nourishment, and land transfer actions for Wamberal, was adopted by Council in April 2026 and certified by the NSW Minister for the Environment in June 2026. Temporary emergency protection works continue to be carried out periodically by Council in response to storm events.
Coastal Cycleway Extension - Wamberal Section
Extension of the Central Coast coastal cycleway through Wamberal, connecting to existing paths and providing safe cycling infrastructure from Terrigal to The Entrance. The project includes new bridge crossings and improved lighting for enhanced safety.
92-98 Terrigal Esplanade Shop-top Housing (Mixed Use)
Four-storey shop-top housing development opposite Terrigal Beach with 12 apartments above ground-floor retail (approx. 364 sqm), basement parking for 28 vehicles, and demolition of existing two-storey retail strip at the corner of Campbell Crescent.
12 Kurrawyba Avenue Shop Top Housing
Four-storey mixed-use shop-top housing proposal comprising ground-floor retail (5 premises), 10 residential apartments over three levels, basement parking (~19 spaces) and a communal rooftop terrace at the western gateway to Terrigal village. DA lodged for 12 and 12A Kurrawyba Avenue and currently under assessment by Central Coast Council.
Wamberal Bus Interchange Upgrade
Modernization of Wamberal bus interchange with improved passenger facilities, real-time information displays, weather protection, and better accessibility features. The upgrade supports the expanded Central Coast bus network.
7,249 residents of Terrigal are employed, from a labour force of 7,343. Unemployment sits at 1.3%, with participation at 65.5%. Weighted for its industry mix, the area's sectors are forecast to grow about 7.0% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 11,340, about 85% 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
A highly qualified workforce characterizes this locality, which is dominated by essential services and shows an unemployment rate of 1.3% alongside an annual job growth rate of 3.5%. As of March 2026, working residents numbered 7,249. This unemployment rate sits 2.8% lower than the Greater Sydney average of 4.1%, while local participation rate is slightly softer at 65.5% compared to the metropolitan level of 69.1%. Census responses showed that 39.6% of local workers worked from their residences, though this was likely affected by pandemic restrictions. The primary employment sectors for locals are healthcare and social assistance, building and construction, and schooling.
Local specialization is particularly pronounced in healthcare and social assistance, where the concentration of workers is 1.3 times the regional average. Conversely, professional and technical services account for only 7.8% of the workforce, which is lower than the metropolitan average of 11.5%. Given the gap between the working population and local jobs, the area functions primarily as a dormitory suburb with limited local employment options. Analysis of SALM and ABS data, aggregated from broader statistical areas, indicates that the 12-month period experienced a 3.5% increase in employment and a 3.6% rise in the labour force, which led to a 0.1 percentage point increase in the unemployment rate. This pattern differs from Greater Sydney, where employment grew by 1.9%, the labour force expanded by 1.9%, and unemployment decreased slightly. Jobs and Skills Australia's national employment forecasts from May-25 provide further context regarding potential future demand within Terrigal. These projections, covering five and ten-year periods, have been mapped against the local employment profile to estimate growth patterns. While national employment is forecast to expand by 6.6% over five years and 13.7% over ten years, growth rates differ significantly between industry sectors. Applying these industry-specific projections to Terrigal's employment mix suggests local employment should increase by 7.0% over five years and 14.4% over ten years (please note this is a simple weighting extrapolation for illustrative purposes and does not take into account localised population projections).
Frequently Asked Questions - Employment
Median household income in Terrigal is $2,056 a week (about $107,000 a year), with median personal income at $906 a week. ATO records put median taxable income at $53,369 a year against an average of $80,829. The average runs 51% above the median, a wider spread than most areas and a sign of a concentrated group of high earners. 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
Tax office data for the financial year 2023 indicates that local incomes are exceptionally high by national standards, with a median of $53,369 and an average of $80,829. These figures compare to a median of $60,817 and average of $83,003 in Greater Sydney. Adjusted for a 10.32% rise in the Wage Price Index since financial year 2023, current equivalent values would be roughly $58,877 for the median and $89,171 for the average as of March 2026. According to the 2021 Census, local earnings place the area around the 68th percentile nationally.
The most common income bracket contains 28.2% of the local population (3,782 people) who earn between $1,500 and $2,999, similar to the 30.9% share in Greater Sydney. A strong 33.5% earn in excess of $3,000 per week, indicating affluent cohorts that support local businesses. High accommodation costs absorb 16.2% of earnings, yet net disposable income remains in the 68th percentile, and the area ranks in the 8th decile for SEIFA income.
Frequently Asked Questions - Income
Terrigal had 4,707 occupied dwellings at the 2021 Census, 71% detached houses and 22% apartments. 36% are owned with a mortgage, 24% rented and 40% owned outright. At that Census the median rent was $520 a week and the median mortgage repayment $2,492 a month, a total housing cost higher than 76% of areas nationally. Rent absorbs 25.3% of household income here and mortgage repayments 28.0%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Residential architecture at the time of the latest census was characterized by 71.1% standalone houses and 28.8% other dwelling types, representing a higher proportion of houses than the Sydney metropolitan breakdown of 55.9% houses and 44.1% other dwellings. Home ownership stands high at 39.9%, with 35.7% of properties mortgaged and 24.4% rented. The median monthly home loan payment was $2,492, which is higher than the Sydney metro average of $2,427. Similarly, median weekly rents were $520, compared to $470 across the metro area. Nationally, these mortgage payments are well above the Australian median of $1,863, and rents exceed the national benchmark of $375.
Frequently Asked Questions - Housing
Terrigal counted 4,707 households at the 2021 Census, an estimated 4,960 today, averaging 2.6 people each. 33% are couples with children, against 31% couples without children. 22% of households are people living alone, and families average 1.7 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families make up 74.6% of local households, consisting of couples with children at 32.7%, couples without children at 30.5%, and single parents at 10.8%. The remaining 25.4% are non-family households, with single-person households representing 22.3% and group households making up 3.2%. The median occupancy stands at 2.6 residents per home, slightly below the metropolitan average of 2.7.
Frequently Asked Questions - Households
32.4% of adults in Terrigal hold a university qualification, including 22.9% with a bachelor degree and 6.8% with postgraduate qualifications, higher than 79% of areas nationally. A further 22.3% hold a vocational qualification. 5 schools serve the area, with 2,529 enrolment places and an average ICSEA of 1,063 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
The proportion of residents with higher education is well above regional figures, with 32.4% of citizens aged 15+ holding a university degree, compared to 20.8% in the SA4 region and 25.7% in the SA3 area. This educational profile positions the suburb well for professional industries. Undergraduates represent 22.9% of this cohort, with postgraduate degrees at 6.8% and graduate diplomas at 2.7%. Vocational qualifications are also common, with 36.1% of residents aged 15+ holding trade credentials, consisting of advanced diplomas at 13.8% and certificates at 22.3%. A high proportion of the population is engaged in study, with 29.9% of residents currently enrolled in an educational institution.
This is made up of 10.2% in primary schools, 8.4% in secondary schools, and 5.2% in higher education.
Frequently Asked Questions - Education
Schools Detail
Public transport in Terrigal reaches 84 stops on 45 routes, timetabled for about 650 services a week. The typical home sits about 190 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.6 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 options include 84 active stops, primarily bus services. These facilities accommodate 45 different routes, offering a total of 648 weekly passenger trips. Transport links are accessible, with residents living an average of 185 meters from their nearest stop. Given the residential nature of the area, most workers commute out of the suburb, with 93% using private vehicles. Household car ownership averages 1.6 vehicles, which is higher than the regional benchmark. Additionally, 39.6% of workers worked from home during the 2021 Census, which was likely influenced by temporary restrictions.
Bus services run at an average frequency of 92 trips daily across the network, translating to roughly 7 weekly services for each transit stop.
Frequently Asked Questions - Transport
Transport Stops Detail
70.6% of residents in Terrigal report no long-term health condition, a healthier profile than 86% of areas nationally. 3.8% need daily assistance with core activities, and 58.8% hold private health cover. The standardised death rate runs at 3.9 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Health indicators show favorable outcomes, marked by low rates of mortality and chronic illnesses across all age cohorts. Additionally, the proportion of residents with private health insurance is high, encompassing 59% of the population (7,892 people). The most prevalent chronic health issues are arthritis, affecting 8.1% of residents, and asthma, affecting 7.0%. A high proportion of the population (70.6%) reported having no long-term health conditions, compared to 74.6% in Greater Sydney. The working-age cohort shows strong physical health. Residents aged 65 and over constitute 24.0% of the population (3,219 people), higher than the Greater Sydney average of 15.5%, with the senior population exhibiting favorable health outcomes in line with national averages.
Frequently Asked Questions - Health
Terrigal is largely Australian-born, at 77.8% of residents, with 8.1% speaking a language other than English at home. The largest reported ancestries are English (31.9%) and Australian (25.5%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity matches regional norms, with 77.8% of the community born within Australia, 88.8% holding citizenship, and 91.9% speaking only English at home. Adherents of Christianity account for 55.1% of residents. The most notable religious variance is in Judaism, which represents 0.2% of the local population compared to 0.8% across the metropolitan area. Regarding family heritage, the primary ancestries are English at 31.9% of the population (exceeding the regional average of 19.0%), Australian at 25.5% (exceeding the regional average of 17.8%), and Irish at 9.6%. Minor ancestries show some localized clusters, with South Australian backgrounds at 0.8% (compared to 0.5% regionally), French at 0.7% (compared to 0.5%), and Welsh at 0.7% (compared to 0.4%).
Frequently Asked Questions - Diversity
The median resident of Terrigal is 43. 21.7% 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 median age of 43 years is older than the Greater Sydney median of 37 and the national average of 38. Residents aged 65 to 74 form a large cohort at 12.4%, while young adults aged 25 to 34 are less represented at 8.9% compared to the wider metro area. Since 2021, the 75 to 84 cohort grew from 7.1% to 8.9%, and the 15 to 24 group increased from 11.4% to 12.8%. Conversely, the 55 to 64 group decreased from 13.0% to 11.9%. Projections to 2041 indicate that the cohort aged 85 and over will experience high growth, rising by 636 people (176%) from 362 to 999.
The broader 65 and over demographic will account for 52% of the total growth, while the youngest cohort aged 0 to 4 is expected to contract by 19 individuals.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Terrigal
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 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) | May 2026 3 months ago 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 May 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | May 2026 3 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Jun 2026 2 months ago headline measures · May 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Aug 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 Aug 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Aug 2026 this month all 20 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 5 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 this month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 last month headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Jul 2026 last month 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 — 44 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (12,730 at the 2021 Census → 13,414 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 May 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 (SAL13820). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.