Umina Beach

An assessment of population growth drivers in Umina Beach reveals an overall ranking slightly below national averages considering recent, and medium term trends

As of Feb 2026, the estimated population of Umina Beach is around 17,542, reflecting a 1.0% increase since the 2021 Census which reported 17,372 people. This increase is inferred from AreaSearch's validation of new addresses and resident population estimates based on ABS data released June 2024. Umina Beach's population density is 2,509 persons per square kilometer, placing it in the upper quartile nationally according to AreaSearch assessments. The suburb's 1.0% growth since census compares favourably with its SA3 area's 3.2%. Overseas migration was the primary driver of this growth. For projections until 2041, AreaSearch uses ABS/Geoscience Australia data (released in 2024, base year 2022) for covered areas and NSW State Government's SA2-level projections (released in 2022, base year 2021) for others.

Projected demographic shifts suggest a population increase just below the national median by 2041, with Umina Beach expected to expand by 1,967 persons, reflecting a 10.2% total increase over the 17 years.

AreaSearch analysis of residential development drivers sees Umina Beach recording a relatively average level of approval activity when compared to local markets analysed countrywide

AreaSearch analysis of ABS building approval numbers shows Umina Beach has had approximately 68 new homes approved annually over the past five financial years, totalling around 343 homes. As of FY-26, there have been 24 approvals recorded. The average number of new residents per year arriving per new home in Umina Beach between FY-21 and FY-25 is 0.3. This suggests that new construction is keeping pace with demand, offering buyers more options and enabling population growth.

The average value of new dwellings approved in Umina Beach over this period is $467,000, which is moderately above regional levels, indicating an emphasis on quality construction. In FY-26 so far, there have been $2.6 million in commercial approvals, reflecting the area's primarily residential nature. Compared to Greater Sydney, Umina Beach shows similar construction activity per person, supporting market stability in line with regional patterns. The current development trend consists of 48.0% standalone homes and 52.0% attached dwellings, marking a significant shift from the existing housing pattern of 77.0% houses. This suggests diminishing developable land availability and responds to evolving lifestyle preferences and housing affordability needs.

Umina Beach has around 214 people per dwelling approval, indicating characteristics of a low density area. According to AreaSearch's latest quarterly estimate, Umina Beach is expected to grow by approximately 1,795 residents through to 2041. The current construction rates appear balanced with future demand, fostering steady market conditions without excessive price pressure.

Umina Beach has strong levels of nearby infrastructure activity, ranking in the top 30% nationally

AreaSearch has identified twelve projects that could impact the area's performance. These include Umina Beach Public Preschool, Umina Beach Multi-Dwelling Housing Projects, 100-101 The Esplanade Development Site - Ettalong Beach, and Ettalong Beach Hotel Development - 216-220 Memorial Avenue. The following list details those projects likely to be 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 Umina Beach shows performance that lags behind national averages across key labour market indicators

Umina Beach has a skilled workforce with significant representation in essential services sectors. The unemployment rate was 4.1% as of December 2025. Employment growth over the past year was estimated at 3.6%.

This is based on AreaSearch aggregation of statistical area data. As of December 2025, 8,217 residents were in work. The unemployment rate aligned with Greater Sydney's rate of 4.2%, but workforce participation lagged significantly at 59.8% compared to Greater Sydney's 70.2%. According to Census responses, 34.8% of residents worked from home, though Covid-19 lockdown impacts should be considered.

Employment among residents was concentrated in health care & social assistance, construction, and retail trade. The area had particular employment specialization in construction, with an employment share of 1.4 times the regional level. Professional & technical services had limited presence at 7.6% compared to the regional level of 11.5%. Over the 12 months to December 2025, employment increased by 3.6%, while labour force increased by 3.6%, with unemployment remaining essentially unchanged. By comparison, Greater Sydney recorded employment growth of 2.2%, labour force growth of 2.3%, and a marginal rise in unemployment. Jobs and Skills Australia's national employment forecasts from May-25 suggest potential future demand within Umina Beach. These projections estimate national employment to expand by 6.6% over five years and 13.7% over ten years, with differing growth rates between industry sectors. Applying these industry-specific projections to Umina Beach's employment mix suggests local employment should increase by 6.8% over five years and 14.0% over ten years.

Income levels sit below national averages according to AreaSearch assessment

Umina Beach suburb has a median taxpayer income of $47,819 and an average of $72,031 based on the latest postcode level ATO data aggregated by AreaSearch for financial year 2023. This is higher than national averages, with Greater Sydney's median income at $60,817 and average income at $83,030 during this period. By September 2025, estimated incomes would be approximately $52,056 (median) and $78,413 (average), accounting for an 8.86% Wage Price Index growth since financial year 2023. Census data indicates that household, family, and personal incomes in Umina Beach rank modestly, between the 26th and 30th percentiles. Income distribution shows that the largest segment consists of 5,069 residents earning $1,500 - $2,999 weekly, comprising 28.9% of the population, which aligns with broader trends in the surrounding region at 30.9%. Housing affordability pressures are severe, with only 79.8% of income remaining after housing costs, ranking at the 24th percentile. The area's SEIFA income ranking places it in the 4th decile.

Umina Beach is characterized by a predominantly suburban housing profile, with above-average rates of outright home ownership

Umina Beach's dwellings, as per the latest Census, consisted of 76.9% houses and 23.1% other types (semi-detached, apartments, 'other' dwellings), contrasting with Sydney metro's 55.9% houses and 44.1% other dwellings. Home ownership in Umina Beach stood at 34.9%, with mortgaged dwellings at 31.1% and rented ones at 34.0%. The median monthly mortgage repayment was $2,100, lower than Sydney metro's average of $2,427. Median weekly rent in Umina Beach was $400, compared to Sydney metro's $470. Nationally, Umina Beach's mortgage repayments were higher at $2,100 versus the Australian average of $1,863, while rents were also higher at $400 against the national figure of $375.

Umina Beach has a typical household mix, with a lower-than-average median household size

Family households account for 67.5% of all households, including 25.7% couples with children, 25.7% couples without children, and 14.9% single parent families. Non-family households make up the remaining 32.5%, with lone person households at 29.4% and group households comprising 3.2%. The median household size is 2.4 people, which is smaller than the Greater Sydney average of 2.7.

Umina Beach shows below-average educational performance compared to national benchmarks, though pockets of achievement exist

The area's university qualification rate is 19.8%, significantly lower than Greater Sydney's average of 38.0%. Bachelor degrees are the most common at 13.8%, followed by postgraduate qualifications (4.0%) and graduate diplomas (2.0%). Vocational credentials are prevalent, with 40.2% of residents aged 15+ holding them, including advanced diplomas (10.9%) and certificates (29.3%). Educational participation is high, with 28.2% currently enrolled in formal education.

This includes 10.2% in primary education, 7.7% in secondary education, and 3.2% pursuing tertiary education.

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

Umina Beach has 123 active public transport stops, all of which are bus stops. These stops are served by 47 different routes, together facilitating 1,528 weekly passenger trips. The average distance from a resident's home to the nearest transport stop is 162 meters, indicating excellent accessibility. Most residents commute outwards due to Umina Beach being predominantly residential. Car remains the primary mode of transport at 82%, with train usage at 9%. On average, there are 1.2 vehicles per dwelling.

According to the 2021 Census, 34.8% of residents work from home, which may be influenced by COVID-19 conditions. The service frequency averages 218 trips per day across all routes, equating to approximately 12 weekly trips per individual stop. A map accompanies this data, displaying the 100 nearest stops to the location's centrepoint.

Health performance in Umina Beach is lower than average with common health conditions somewhat prevalent across both younger and older age cohorts

Umina Beach faces significant health challenges based on AreaSearch's assessment. Mortality rates and prevalence of chronic conditions are somewhat prevalent across both younger and older age cohorts.

Private health cover is very high at approximately 55% of the total population (~9,718 people), compared to 59.9% across Greater Sydney. The most common medical conditions are arthritis and mental health issues, impacting 9.9 and 9.5% of residents respectively. However, 62.7% of residents declare themselves completely clear of medical ailments, compared to 74.6% across Greater Sydney. The working-age population faces notable health challenges with elevated chronic condition rates. The area has 25.1% of residents aged 65 and over (4,403 people), higher than the 15.4% in Greater Sydney. Health outcomes among seniors present some challenges, with national rankings broadly in line with the general population.

Umina Beach ranks below the Australian average when compared to other local markets across a number of language and cultural background related metrics

Umina Beach had a cultural diversity rating below average, with 82.6% born in Australia, 89.1% being citizens, and 93.0% speaking English only at home. Christianity was the predominant religion, comprising 52.4%. Judaism was overrepresented at 0.1%, compared to Greater Sydney's 0.8%.

For ancestry, English (31.8%) and Australian (28.5%) were substantially higher than regional averages of 19.0% and 17.8% respectively. Irish ancestry stood at 9.5%. Other notable divergences included Russian at 0.5% (vs 0.4%), New Zealand at 0.9% (vs 0.5%), and Maori at 0.7% (vs 0.4%).

Umina Beach hosts a notably older demographic compared to the national average

Umina Beach has a median age of 44, which exceeds Greater Sydney's figure of 37 and is substantially higher than the national norm of 38. The 75-84 age group makes up 9.7% of Umina Beach's population compared to Greater Sydney, while the 25-34 cohort represents 8.6%. As per the 2021 Census, the 75 to 84 age group has increased from 7.7% to 9.7%, and the 55 to 64 cohort has decreased from 13.2% to 12.4%. By 2041, demographic modeling suggests Umina Beach's age profile will change significantly. The 75-84 group is projected to grow by 36% (607 people), reaching 2,309 from 1,701. Those aged 65 and above are expected to comprise 73% of the population growth. Meanwhile, the 0 to 4 and 35 to 44 age groups are anticipated to experience population declines.