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, Umina Beach's population is estimated at around 17,542. This reflects an increase since the 2021 Census, which reported a population of 17,372 people. The change is inferred from AreaSearch's estimation of resident population as 17,370 following examination of ABS ERP data release in June 2024 and validation of additional 71 new addresses since the Census date. This level of population equates to a density ratio of 2,509 persons per square kilometer. Umina Beach's growth rate of 1.0% since census positions it within 2.2 percentage points of its SA3 area (3.2%). Population growth was primarily driven by overseas migration during recent periods.

AreaSearch adopts ABS/Geoscience Australia projections for each SA2 area, released in 2024 with a base year of 2022. For areas not covered, NSW State Government's SA2 level projections released in 2022 with a base year of 2021 are used. Considering projected demographic shifts, Umina Beach is expected to expand by 1,990 persons to 2041 based on aggregated SA2-level projections, reflecting an increase of 10.9% 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

Based on AreaSearch analysis of ABS building approval numbers allocated from statistical area data, Umina Beach has seen approximately 70 new homes approved annually over the past five financial years, totalling an estimated 352 homes. As of FY-26, 24 approvals have been recorded. On average, around 0.4 new residents per year arrive for each new home constructed between FY-21 and FY-25. This rate indicates that new construction is keeping pace with demand, offering buyers more options while facilitating population growth.

The average value of new dwellings stands at $467,000, which is moderately above regional levels, suggesting an emphasis on quality construction. In FY-26, there have been $2.6 million in commercial approvals, reflecting the area's primarily residential nature. When compared to Greater Sydney, Umina Beach exhibits similar construction activity per capita, supporting market stability aligned with regional patterns. New development consists of 48.0% standalone homes and 52.0% attached dwellings, marking a shift from the current housing pattern of 77.0% houses. This trend towards denser development caters to downsizers, investors, and entry-level buyers, potentially due to diminishing developable land availability and evolving lifestyle preferences.

Umina Beach has around 204 people per dwelling approval, indicating characteristics of a low-density area. According to the latest AreaSearch quarterly estimate, Umina Beach is expected to grow by 1,911 residents by 2041. 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

Twelve projects have been identified by AreaSearch as potentially impacting the area. Key projects 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.

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

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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 essential services sectors well represented. The unemployment rate is 4.4%, with an estimated employment growth of 2.5% over the past year (AreaSearch aggregation). As of September 2025, 8,116 residents are employed while the unemployment rate is 0.2% higher than Greater Sydney's rate of 4.2%.

Workforce participation lags at 58.9%, compared to Greater Sydney's 70.0%. Census responses show that 34.8% of residents work from home, potentially influenced by Covid-19 lockdowns. Key employment sectors are health care & social assistance, construction, and retail trade. Construction is particularly specialized with an employment share 1.4 times the regional level.

Conversely, professional & technical services have limited presence at 7.6%, compared to 11.5% regionally. The area appears to offer limited local employment opportunities based on Census data. Between September 2024 and September 2025, employment increased by 2.5% while labour force grew by 3.2%, leading to a rise in unemployment of 0.7 percentage points (AreaSearch analysis). In comparison, Greater Sydney recorded employment growth of 2.1%. Jobs and Skills Australia's national employment forecasts from May-25 project national employment growth at 6.6% over five years and 13.7% over ten years. Applying these projections to Umina Beach's employment mix suggests local employment should increase by 6.8% over five years and 14.0% over ten years, though this is a simple extrapolation for illustrative purposes only and does not consider localized population projections.

Income levels sit below national averages according to AreaSearch assessment

Umina Beach suburb has a median taxpayer income of $47,819 and an average income of $72,031 according to AreaSearch's aggregation of the latest postcode level ATO data for financial year 2023. Nationally, the median income is lower at $60,817 with an average of $83,030. By September 2025, estimated incomes would be approximately $52,056 (median) and $78,413 (average), considering an 8.86% growth since financial year 2023. Census data indicates that Umina Beach's household, family, and personal incomes rank modestly, between the 26th and 30th percentiles. Income distribution shows that 5,069 residents, or 28.9%, earn $1,500 - 2,999 weekly, which is consistent with the surrounding region's trend of 30.9% in the same category. 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 dwelling structures, as per the latest Census, consisted of 76.9% houses and 23.1% other dwellings (semi-detached, apartments, 'other' dwellings). This contrasts with Sydney metro's figures of 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 dwellings 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 exceeded the Australian average of $1,863, while rents were higher than 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 constitute 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, smaller than Greater Sydney's 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. Advanced diplomas account for 10.9% and certificates for 29.3%.

Educational participation is high, with 28.2% of residents 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 that together facilitate 1,528 weekly passenger trips. The accessibility of public transport in the area is rated as excellent, with residents typically living just 162 meters from their nearest transport stop. As a predominantly residential area, most people commute outwards. Cars remain the primary mode of transportation for 82% of residents, while trains are used by 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 partly due to 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 information and displays 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 chronic condition prevalence are high, with common health conditions 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. As of the latest data (2021), the area has 25.8% of residents aged 65 and over (4,525 people), which is 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 has a cultural diversity below average, with 82.6% born in Australia, 89.1% being citizens, and 93.0% speaking English only at home. Christianity is the main religion, comprising 52.4%. Judaism is overrepresented at 0.1%, compared to Greater Sydney's 0.8%.

Top ancestry groups are English (31.8%), Australian (28.5%), Irish (9.5%). Russian (0.5%) and New Zealand (0.9%) are notably overrepresented, as is Maori (0.7%).

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

Umina Beach's median age is 44, surpassing Greater Sydney's figure of 37 and significantly exceeding the national average of 38. The 75-84 age group comprises 10.1% of Umina Beach's population, compared to Greater Sydney. Conversely, the 25-34 cohort makes up 8.5%. According to the 2021 Census, the 75-84 age group has increased from 7.7% to 10.1%, while the 25-34 cohort has decreased from 9.2% to 8.5%. By 2041, Umina Beach's age profile is projected to change significantly. The 75-84 group is expected to grow by 35%, reaching 2,390 people from the current 1,771. Those aged 65 and above are set to account for 73% of this growth. Meanwhile, the 0-4 and 35-44 age groups are projected to experience population declines.