Umina Beach

Suburb (SAL)

Greater Sydney / Gosford

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Data Sources ABSValuer GeneralRental BoardACARA Newest Oct 2026 · Refreshed ABS QuickStats SAL14025 How we calculate this
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Suburb (SAL) Boundary Analysis

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.

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Sales ActivityProperty Sales Trends in Umina Beach

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The median house price in Umina Beach is $1.28m, with units at $892k. House values have moved 3.8% a year compounded over five years.

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DemographicsPopulation Growth in Umina Beach

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Umina Beach has an estimated 17,180 residents, down from 17,372 at the 2021 Census — a change of 192 people, or 1.1%. That puts 2,458 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 AreaSearch evaluations combining ABS regional population updates and 72 validated new addresses recorded since the Census date, the suburb of Umina Beach has an estimated population of approximately 17,180 as of Aug 2026. This represents a contraction of 192 people (1.1%) relative to the 17,372 people counted in the 2021 Census. The calculation stems from an estimated resident population of 17,133 derived from the ABS ERP data release of June 2025 alongside post-Census address validations. The resulting population density stands at 2,457 persons per square kilometer, placing the suburb in the upper quartile across nationally evaluated locations by AreaSearch.

Inbound overseas migration served as the primary and essentially exclusive contributor to local population additions over recent timeframes. Future demographic projections modeled by AreaSearch incorporate ABS/Geoscience Australia SA2 figures published in 2024 (benchmarked to base year 2022), supplemented by NSW State Government SA2 forecasts released in 2022 (benchmarked to base year 2021) wherever gaps exist. Age-specific growth trajectories across these series inform projections covering 2032 to 2041. Over the coming years, demographic expansion for the suburb of Umina Beach is projected slightly below the national median, with aggregated SA2 modeling indicating a gain of 1,897 persons through to 2041, representing a cumulative rise of 10.8% across the 16 years.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Umina Beach?
Total population for the suburb of Umina Beach was estimated to be approximately 17,180 as at Aug 26. This is based upon an estimated resident population of 17,133 from the ABS up to June 2025.
How has the population in the suburb of Umina Beach changed since 2021?
The suburb of umina beach has lost approximately 192 people and shown a 1.11% decrease from the 17,372 people recorded at the 2021 Census period.
What is the population density in the suburb of Umina Beach?
The population density in the suburb of Umina Beach is estimated at 2,457 persons per square kilometer based on the latest population estimate.
How much has the population grown over the past 10 years in the suburb of Umina Beach?
Over the past 10 years, the population in the suburb of Umina Beach has shown a compound annual growth rate of 0.1% per annum.
What are the main drivers of population growth in the suburb of Umina Beach?
Population growth in the suburb of Umina Beach is driven by: Overseas migration (100.0%), Natural increase (0.0%), Interstate migration (0.0%). The primary driver is Overseas migration, contributing 100.0% of overall population gains.

Residential SupplyHousing Development & Building Approvals in Umina Beach

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251 new dwellings have been approved in Umina Beach over the past five years, an average of 50 a year. That is 2.8 approvals per 1,000 residents. Of the 49 dwellings approved in the latest reporting year, 49% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 27, 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

AreaSearch assessment of ABS building approvals indicates that new residential approvals in Umina Beach average roughly 50 dwellings annually, with 251 homes approved across the 5 financial years spanning FY-21 to FY-25 and 27 recorded to date in FY-25. Against a backdrop of recent population declines, this volume of construction has maintained balanced market conditions and ample options for purchasers, with newly approved residences carrying an average construction cost of $487,000. Meanwhile, non-residential construction remains subdued, evidenced by $2.6 million in commercial building approvals during this financial year. Per capita residential approval rates in Umina Beach sit at roughly three-quarters of the Greater Sydney benchmark and rank within the 25th percentile nationally, constraining new purchasing stock while supporting demand for existing homes.

This below-average national volume reflects both the suburb's established character and potential planning hurdles. Among recent approvals, standalone houses represent 49.0% while attached dwellings account for 51.0%, indicating a pivot toward higher-density housing suited to first-home buyers, downsizers, and investors. This development mix contrasts sharply with the established residential fabric (which is 77.0% houses), signaling a tightening supply of vacant land alongside evolving resident preferences and affordability requirements. Overall, a ratio of approximately 592 people per approval underscores a mature, built-out community. Forecasts indicate that Umina Beach will add 1,850 residents by 2041 relative to the most recent AreaSearch quarterly estimate. Although current residential building activity tracks in line with these population projections, buyers could encounter heightened market competition as the local population increases.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Umina Beach recently?
Dwelling approval activity in the the suburb of Umina Beach area has seen 31 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Umina Beach's current population of 17,180 has been supported by 50 approvals on average over recent years.
How does the suburb of Umina Beach's development activity compare to the broader region?
The suburb of Umina Beach has seen 0.28 approvals per 100 people in recent years, compared to 0.62 approvals in the broader region. This means that one dwelling has been approved for every 592 people in the suburb of Umina Beach, compared to one for every 165 in the broader region.
Is the suburb of Umina Beach keeping up with housing demand?
With the population expected to increase by 1,850 people by 2041, around 925 new dwellings will be necessary. Recent approval levels may be insufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This indicates potential housing shortages if current approval trends continue.
What has been the trend in development approvals over the past five years in the suburb of Umina Beach?
Looking at development activity over the past five years, the suburb of Umina Beach's approval levels have been significantly below the yearly average of 50, showing a notable downturn in recent development.
How many dwellings will be needed to accommodate future population growth in the suburb of Umina Beach?
The population in the suburb of Umina Beach is expected to grow by 1,850 people by 2041, necessitating approximately 925 new dwellings. This calculation is based on the current census average of 2.0 persons per dwelling in the area.
How does recent development compare to population growth in the suburb of Umina Beach?
Over the past five years, the population in the suburb of Umina Beach has grown by approximately 1,345 people, while 251 residential approvals were recorded. This equates to a ratio of 5.4 people added for each new dwelling approval. This high ratio suggests strong population growth relative to housing supply, potentially indicating unmet housing demand.
Are there opportunities for residential developers in the suburb of Umina Beach?
With dwelling approval activity running at an average of 50 approvals per year and a population of 17,180, there appears to be a supply shortfall relative to projected demand, presenting strong opportunities for residential developers. With the population expected to increase by 1,850 people by 2041, around 925 new dwellings will be necessary. Current approval trends may be insufficient to meet forecast demand, indicating strong development opportunities.
Approvals Pipeline Development applications near Umina Beach

Development applications around Umina Beach

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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.

Project PipelineInfrastructure & Major Projects in Umina Beach

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AreaSearch tracks 10 current infrastructure and development projects inside Umina Beach, worth an estimated $227 million. A further 17 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $267 million. 3 are already under construction and 8 are due for completion within three years. The pipeline spans residential development, transport & logistics and sports & recreation. 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

Capital investments, planning schemes, and infrastructure upgrades play a crucial role in shaping community development. AreaSearch has highlighted 12 significant local initiatives, with notable developments including the Umina Beach Public Preschool, Umina Beach Multi-Dwelling Housing Projects, 100-101 The Esplanade Development Site - Ettalong Beach, and the Ettalong Beach Hotel Development - 216-220 Memorial Avenue, alongside additional key projects listed below.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the suburb of Umina Beach?
Key infrastructure and planning changes likely to influence the suburb of Umina Beach include: Umina Beach Public Preschool (Construction); Umina Beach Multi-Dwelling Housing Projects (Under Assessment); 100-101 The Esplanade Development Site - Ettalong Beach (Proposed); Ettalong Beach Hotel Development - 216-220 Memorial Avenue (Approved); and Communications Facility at 109 McEvoy Avenue (Under Assessment). These projects represent significant developments that will shape the area's future infrastructure landscape.
What types of infrastructure projects are impacting the suburb of Umina Beach?
Infrastructure development impacting the suburb of Umina Beach spans multiple sectors including Residential Development, Transport & Logistics, and Tourism, among others.
What is the scale of infrastructure investment impacting the suburb of Umina Beach?
Infrastructure investment analysis indicates significant investment of approximately $269 million in infrastructure projects affecting the region, with a notable concentration of investment within the immediate the suburb of Umina Beach vicinity.
How does the suburb of Umina Beach's infrastructure development compare to other areas?
With an infrastructure score in the top 30%, the suburb of Umina Beach demonstrates above-average development activity compared to national benchmarks.
Umina Beach Public Preschool
Category: Education & Training
Stage: Construction | Est. Comp: 2027
Source / Links: Link 1   Link 2  

Delivery of a new public preschool co-located at Umina Beach Public School, part of the NSW Government's $769 million investment to build 100 new public preschools across the state. The preschool will be created by repurposing and expanding the existing Building A, providing 3 preschool rooms, an outdoor play area, and administration, amenities and staff facilities, accommodating up to 60 children per day. As of mid-2026, construction is progressing well, with the building slab poured and structural wall erection, electrical, plumbing, hydraulic and data rough-in works underway, alongside external landscaping earthworks.HPAC Pty Ltd is the appointed builder. Completion is targeted for Day 1, Term 1 2027.

Education & Training

Ettalong Beach Hotel Development
Category: Tourism
Stage: Approved | Est. Comp: 2028
Source / Links: Link 1   Link 2  

A five-storey boutique hotel development featuring 83 rooms on a 1,467 sqm site. The project includes a ground floor restaurant and cafe, conference facilities, and a roof terrace equipped with a bar and swimming pool. While the original 2020 approval faced expiration concerns, recent court-backed determinations in April 2026 have reaffirmed the project's progression despite local objections.

Tourism

Umina Beach Multi-Dwelling Housing Projects
Category: Residential Development
Stage: Under Assessment | Est. Comp: 2027
Source / Links: Link 1   Link 2  

Ongoing multiple residential development applications including dual occupancy, townhouse developments, and multi-dwelling housing projects throughout the Umina Beach and Peninsula area, aimed at increasing housing density in residential zones.

Residential Development

Communications Facility at 109 McEvoy Avenue
Category: Telecommunications
Stage: Under Assessment | Est. Comp: 2026
Source / Links: Link 1   

Construction of a new telecommunications facility comprising an Indara monopole, four 4G panel antennas, eight 5G active antenna units, and outdoor equipment cabinets within a secure compound. The infrastructure is proposed to improve voice and high-speed mobile network coverage across Umina Beach.

Telecommunications

100-101 The Esplanade Development Site - Ettalong Beach
Category: Residential Development
Stage: Proposed | Est. Comp: 2027

Prime beachfront development site comprising 2,617.3 sqm amalgamated site with direct beach frontage and stunning water views. Development potential for 18 premium apartments. Owned by the Fardoulis family for over 30 years. 33m frontage to The Esplanade.

Residential Development

Mantra Ettalong Beach Resort
Category: Tourism
Stage: Completed | Est. Comp: 2005
Source / Links: Link 1   Link 2  

Major beachfront resort development comprising 236 strata apartments and 6,000 sqm licensed club facility. Joint venture between Ettalong Beach War Memorial Club and Multiplex Development. Premium beachfront location with views to Lion Island. Designed by PTI Architecture. Currently operating with ongoing lift upgrade works.

Tourism

Intersection Upgrade - Hobart and Melbourne Avenues, Umina Beach
Category: Transport & Logistics
Stage: Proposed | Est. Comp: 0
Source / Links: Link 1   Link 2  

Upgrade of the intersection to improve safety for motorists, cyclists, and pedestrians, including traffic signals, turn lanes, bike lanes, kerb and gutter, parking, pathways, lighting, stormwater drainage, driveway reconstruction, and tree planting. The project remains in the concept planning stage with funding applications unsuccessful as of 2025.

Transport & Logistics

Umina-Ocean Beach Erosion Management Strategy
Category: Environmental & Disaster Management
Stage: Completed | Est. Comp: 2022
Source / Links: Link 1   Link 2  

Coastal management project including beach nourishment utilizing sand from Ettalong Shoal, terminal protection of The Esplanade, and coastal monitoring program to address severe storm erosion. $1M investment.

Environmental & Disaster Management

Jobs & IndustryEmployment Trends in Umina Beach

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8,098 residents of Umina Beach are employed, from a labour force of 8,468. Unemployment sits at 4.4%, with participation at 60.1%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.8% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 13,659, about 80% 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

Local workforce metrics compiled by AreaSearch show that Umina Beach possesses a qualified labour pool with strong representation in essential industries, an unemployment rate of 4.4%, and annual job growth estimated at 2.9%. As of March 2026, employed residents numbered 8,098. The local jobless rate sits 0.2% above Greater Sydney's 4.1%, while labour force participation is notably lower at 60.1% compared to 68.9% across the greater metropolitan area. Additionally, Census data indicated that 34.8% of workers operated from home, though this figure was influenced by Covid-19 restrictions at the time.

The resident workforce is heavily concentrated within construction, retail trade, and health care & social assistance. Construction exhibits a particularly substantial presence, employing workers at 1.4 times the regional proportion. In contrast, professional & technical roles account for only 7.6% of local workers, lagging the regional benchmark of 11.5%. Given its predominantly residential nature, the suburb generates relatively few local jobs, as highlighted by Census comparisons between the resident workforce and locally based employment. AreaSearch analysis of ABS and SALM figures indicates that over the recent 12-month period, local employment expanded by 2.9% alongside a 3.0% increase in the labour force, keeping local unemployment relatively steady. Across Greater Sydney over the same timeframe, employment increased by 1.9%, the labour pool expanded by 1.9%, and unemployment declined slightly. National industry forecasts published by Jobs and Skills Australia as of Mar-26 provide further context on potential occupational demand. Nationally, total employment is projected to expand by 6.6% over five years and 13.7% over ten years. When mapped across Umina Beach's specific industry distribution, simple weighting extrapolations suggest local employment could grow by 6.8% over five years and 14.0% over ten years (noting this illustrative calculation does not factor in localized demographic changes).

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Umina Beach?
As of March 2026, the suburb of Umina Beach has approximately 8,098 employed residents with an unemployment rate of 4.4%. This healthy unemployment rate suggests a well-functioning labour market. Employment indicators are below the national average, suggesting room for improvement.
How does the suburb of Umina Beach's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Umina Beach stands at 4.4%, which is broadly in line with Greater Sydney's rate of 4.1%. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Umina Beach?
The employment landscape in the suburb of Umina Beach is dominated by several key sectors. The largest employers are health care & social assistance (17.2% of employment), construction (12.1%), and retail trade (9.9%). Other significant employers include education & training and accommodation & food.
How has employment changed recently in the suburb of Umina Beach?
Over the past year to March 2026, the suburb of Umina Beach has experienced employment growth, with total employment increasing while the labour force increased. As a result, the unemployment rate has rise. By comparison, Greater Sydney saw employment increased and its unemployment rate dropped.
What is the workforce participation rate in the suburb of Umina Beach?
The workforce participation rate in the suburb of Umina Beach is 60.1%, which represents the proportion of working-age residents who are either employed or actively seeking work. This healthy participation rate reflects good employment opportunities and workforce engagement. The local rate trailing the Greater Sydney average of 68.9%, suggesting potential for increased workforce participation.
Which industries are over-represented in the suburb of Umina Beach's employment market?
The suburb of umina beach shows notable specialization in construction, which employs 12.1% of the local workforce compared to 8.6% regionally. This moderate specialization indicates some local strength in the sector. The area also shows above-average employment in 1 other sectors, contributing to a distinctive economic profile.
What are the employment growth prospects for the suburb of Umina Beach?
Based on Jobs and Skills Australia projections applied to the suburb of Umina Beach's industry mix, employment is expected to grow by 6.8% over the next five years and 14.0% over ten years. This exceeds the national forecast of 6.6% over five years, suggesting the area's industry composition is well-positioned for future growth. Steady growth is anticipated across multiple sectors, providing diverse employment opportunities.
How does the job market in the suburb of Umina Beach compare nationally?
The suburb of umina beach's employment market shows below-average performance in national comparisons. While employment opportunities exist, the area faces more challenges than many other regions. Recent job advertisement trends show the broader employment region experienced 2.1% growth, ranking 8.0th out of 37 regions nationally.
What employment opportunities exist for skilled workers in the suburb of Umina Beach?
Skilled workers will find good opportunities in the suburb of Umina Beach, with skilled sectors accounting for 39.5% of employment. Key sectors for skilled workers include health care & social assistance (17.2%), education & training (7.9%), and professional & technical (7.6%). With projected employment growth of 6.8% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Umina Beach

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Median household income in Umina Beach is $1,421 a week (about $74,000 a year), with median personal income at $688 a week. ATO records put median taxable income at $47,819 a year against an average of $72,031. 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

ATO postcode taxation statistics for financial year 2023 aggregated by AreaSearch indicate that taxpayers in the suburb of Umina Beach recorded a median income of $47,819 and an average income of $72,031, exceeding national benchmarks while trailing Greater Sydney figures of $60,817 and $83,003. Applying cumulative Wage Price Index growth of 10.32% since financial year 2023 yields updated estimates of $52,754 (median) and $79,465 (average) as of March 2026. Figures from the 2021 Census place household, family, and personal income percentiles in a modest bracket between the 26th and 30th percentiles.

The single largest earnings cohort, comprising 28.9% of residents (4,965 residents), earns $1,500 - 2,999 weekly, aligning with the regional share of 30.9%. Relative living costs pose significant challenges, leaving only 79.8% of income remaining (24th percentile), while the area sits in the 4th decile on the SEIFA income index.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Umina Beach?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Umina Beach is approximately $52,754. The official ATO data from FY-23 recorded a median of $47,819.
What is the average taxable income in the suburb of Umina Beach?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Umina Beach is approximately $79,465. The official ATO data from FY-23 recorded an average of $72,031.
How does the median taxable income in the suburb of Umina Beach compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Umina Beach is approximately $52,754 compared to $67,093 in Greater Sydney. The official ATO data from FY-23 shows $47,819 and $60,817 respectively.
How does the average taxable income in the suburb of Umina Beach compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Umina Beach is approximately $79,465 compared to $91,569 in Greater Sydney. The official ATO data from FY-23 shows $72,031 and $83,003 respectively.
What are the main income cohorts in the suburb of Umina Beach according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~28.9% / 4,965 persons) of the suburb of Umina Beach's population is the $1,500 - 2,999 cohort.
How do the main income cohorts in the suburb of Umina Beach compare to the region?
The largest income cohort in the suburb of Umina Beach is the $1,500 - 2,999 group, representing about 28.9% of the population. In comparison, Greater Sydney's largest income cohort is the $1,500 - 2,999 group, representing 30.9% of its population, according to the 2021 Census.
What is the median household income in the suburb of Umina Beach according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Umina Beach is $1,421/wk.
What is the median family income in the suburb of Umina Beach according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Umina Beach is $1,871/wk.
What is the median personal income in the suburb of Umina Beach according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Umina Beach is $688/wk.
How does the suburb of Umina Beach's income rank nationally?
According to AreaSearch's aggregation of the latest postcode level ATO data released for FY-23, the suburb of Umina Beach had a median income among taxpayers of $47,819 with the average level standing at $72,031. This is above the national average and compares to levels of $60,817 and $83,003 across Greater Sydney respectively. Based on Wage Price Index growth of 10.32% since FY-23, current estimates would be approximately $52,754 (median) and $79,465 (average) as of March 2026.
What is the disposable income in the suburb of Umina Beach?
The estimated disposable income in the suburb of Umina Beach is $4,915 per year according to AreaSearch analysis.
How does the suburb of Umina Beach's disposable income compare to the region?
The suburb of umina beach's disposable income is $4,915 compared to $7,412 for Greater Sydney, based on AreaSearch analysis.

Housing StockHousing & Dwellings in Umina Beach

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Umina Beach had 6,791 occupied dwellings at the 2021 Census, 77% detached houses and 8% apartments. 31% are owned with a mortgage, 34% rented and 35% owned outright. At that Census the median rent was $400 a week and the median mortgage repayment $2,100 a month. Rent absorbs 28.1% of household income here and mortgage repayments 34.1%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.

Detail

At the latest Census, residential dwellings in Umina Beach were divided into 76.9% separate houses and 23.1% medium-to-high density or alternative dwellings (apartments, semi-detached, and 'other' structures), contrasting with Sydney metro's distribution of 55.9% houses and 44.1% other dwellings. Outright home ownership reached 34.9%, substantially higher than Sydney metro, while 31.1% of properties were mortgaged and 34.0% were rented. The median monthly mortgage payment of $2,100 and median weekly rent of $400 sat well below the respective Sydney metro benchmarks of $2,427 and $470. On a national scale, however, local mortgage repayments and rents exceeded the Australian averages of $1,863 per month and $375 per week.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Umina Beach?
In the suburb of Umina Beach, 34.9% of homes are owned outright, 31.1% are owned with a mortgage, and 34.0% are rented.
What percentage of dwellings in the suburb of Umina Beach are houses?
According to the latest data, 76.9% of dwellings in the suburb of Umina Beach are houses.
What percentage of dwellings in the suburb of Umina Beach are apartments or units?
In the suburb of Umina Beach, 7.5% of dwellings are apartments or units, with an additional 13.7% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Umina Beach?
Outright home ownership in the suburb of Umina Beach stands at 34.9%, compared to 28.7% in Greater Sydney.
What is the median monthly mortgage repayment in the suburb of Umina Beach?
The median monthly mortgage repayment in the suburb of Umina Beach is $2,100, compared to $2,427 in Greater Sydney.
What is the median weekly rent in the suburb of Umina Beach?
The median weekly rent in the suburb of Umina Beach is $400, compared to $470 in Greater Sydney.
What is the distribution of rental prices in the suburb of Umina Beach?
In the suburb of Umina Beach, 2.2% of rentals are $0-149/week, 25.8% are $150-349/week, 68.1% are $350-649/week, 3.9% are $650-949/week, and 0.0% are $950+/week.
What is the average monthly housing cost in the suburb of Umina Beach?
The aggregate monthly housing cost in the suburb of Umina Beach is $1,242, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Umina Beach?
In the suburb of Umina Beach, households with mortgages typically spend 34.1% of their income on mortgage repayments, while renters spend 28.1% of their income on rent.
How crowded are homes in the suburb of Umina Beach?
The average persons per bedroom ratio in the suburb of Umina Beach is 0.8, indicating the level of household density.
How does housing affordability in the suburb of Umina Beach compare to the region?
Housing affordability in the suburb of Umina Beach shows mortgage holders spending 34.1% of income on repayments (vs 27.0% regionally), while renters spend 28.1% of income on rent (vs 22.6% regionally).
What types of dwellings are most common in the suburb of Umina Beach?
The dwelling mix in the suburb of Umina Beach consists of 76.9% detached houses, 13.7% semi-detached dwellings, 7.5% apartments, and 1.9% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Umina Beach?
Considering the housing occupancy patterns, the weighted average monthly housing cost is approximately $1,242. This accounts for outright owners paying no housing costs, mortgage holders paying $2,100/month, and renters paying $1,732/month.
How affordable is housing in the suburb of Umina Beach relative to local incomes?
Housing in Umina Beach consumes approximately 20.2% of median household income ($6,153 monthly), indicating costs are highly affordable. The generally accepted benchmark is that housing should not exceed 30% of household income.
How do proposed developments compare to existing housing types in the suburb of Umina Beach?
Recent development applications in Umina Beach show attached dwellings contributing 46% of approvals compared to 23% of existing stock, while detached houses represent 54% of applications versus 77% of current dwellings. This suggests increasing densification. Housing density growth is around the national average.

HouseholdsHousehold Composition in Umina Beach

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Umina Beach counted 6,791 households at the 2021 Census, averaging 2.4 people each. 26% are couples with children, against 26% couples without children. 29% 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

Family units constitute the majority of households at 67.5%, split evenly between couples with children (25.7%) and couples without children (25.7%), alongside single parent families (14.9%). Non-family living arrangements account for the remaining 32.5%, composed of lone person households (29.4%) and group households (3.2%). Average household size stands at 2.4 people, slightly below the Greater Sydney figure of 2.7.

Frequently Asked Questions - Households

How many households are in the suburb of Umina Beach?
As of the 2021 Census, the suburb of Umina Beach had 6,791 households. Based on population growth patterns, this has decreased by approximately 1.1% to an estimated 6,716 households today.
What is the typical household size?
The median household size in the suburb of Umina Beach is 2.4 people. This compares to 2.7 in Greater Sydney and reflects the area's household composition mix.
What types of households are most common?
Family households dominate at 67.5% of all households. The remaining households consist of lone person households (29.4%), group households (3.2%), and other household types (0.0%).
How are families structured in the area?
Among the 4,583 family households, 25.7% are couples with children, 25.7% are couples without children at home, and 14.9% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Umina Beach compare to regional household patterns?
Compared to Greater Sydney, the suburb of Umina Beach shows distinct household patterns. Lone person households are notably over-represented at 29.4% (versus 23.2% regionally). Conversely, family households are under-represented at 67.5% compared to the regional 72.6%. This higher proportion of single-person households drives demand for smaller dwellings and different community services.
What is the average family size?
Families in the suburb of Umina Beach have an average of 1.7 children, slightly above the Greater Sydney average of 1.5. This influences local demand for child-related services and larger family homes.
What are the marriage patterns in the suburb of Umina Beach?
Marriage patterns reveal 40.7% of the adult population are currently married, while 35.5% have never married. This compares to 48.3% married and 36.4% never married across Greater Sydney.
How significant are single-person households?
Single-person households represent 29.4% of all households in the suburb of Umina Beach, higher than the regional average of 23.2%. This affects demand for smaller dwellings and single-person accommodation.
Are shared living arrangements common?
Group households (unrelated people sharing) account for 3.2% of households, well below the Greater Sydney average of 4.2%. This low rate suggests limited student or young professional shared accommodation.
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EducationSchools & Education in Umina Beach

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19.8% of adults in Umina Beach hold a university qualification, including 13.8% with a bachelor degree and 4.0% with postgraduate qualifications. A further 29.3% hold a vocational qualification. 2 schools serve the area, with 1,387 enrolment places and an average ICSEA of 992 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

Tertiary attainment rates present a significant challenge locally, with university qualification levels at 19.8% compared to the Greater Sydney benchmark of 38.0%, highlighting key avenues for educational development. Within higher education, Bachelor degrees constitute 13.8%, postgraduate degrees represent 4.0%, and graduate diplomas account for 2.0%. Meanwhile, vocational and technical credentials are wide-ranging, held by 40.2% of individuals aged 15+, consisting of certificates (29.3%) and advanced diplomas (10.9%). Formal study participation is substantial across the population, with 28.2% of residents enrolled in an educational program. Broken down by sector, primary schooling accounts for 10.2%, secondary education comprises 7.7%, and tertiary courses engage 3.2% of residents.

Frequently Asked Questions - Education

What percentage of people in the suburb of Umina Beach have university qualifications?
19.8% of people aged 15 and over in the suburb of Umina Beach have university qualifications, compared to 38.0% in the broader region.
What percentage of people in the suburb of Umina Beach have no formal qualifications?
40.0% of people aged 15 and over in the suburb of Umina Beach have no formal qualifications, compared to 34.2% regionally.
How does the suburb of Umina Beach's education level compare to national averages?
The suburb of umina beach ranks in the 43th percentile nationally for education based on AreaSearch's analysis of qualification and performance metrics.
What types of qualifications are most common in the suburb of Umina Beach?
The most common qualifications in the suburb of Umina Beach are: Certificate (29.3%), Bachelor Degree (13.8%), Advanced Diploma (10.9%).
What proportion of the suburb of Umina Beach's population is currently attending educational institutions?
28.2% of the population in the suburb of Umina Beach is currently engaged in formal education, with 10.2% in primary school, 7.7% in secondary school, 3.2% at university.
What is the ICSEA score for schools in the suburb of Umina Beach?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Umina Beach is 992, indicating below-average socio-educational advantage compared to the national average of 1000.
How many schools are located within the suburb of Umina Beach?
There are 2 schools within the suburb of Umina Beach, with a combined enrollment of approximately 1,387 students.
What types of schools are available in the suburb of Umina Beach?
The suburb of umina beach includes 1 primary school, 1 secondary school.

Schools Detail

AmenitiesServices & Amenities in Umina Beach

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Getting AroundTransport & Commuting in Umina Beach

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Public transport in Umina Beach reaches 123 stops on 47 routes, timetabled for about 1,400 services a week. The typical home sits about 160 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.2 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 services in Umina Beach comprise 123 bus stops operated across 47 separate routes, delivering 1,439 weekly passenger trips. Network coverage is strong, with an average distance of 162 meters from homes to the closest transit stop. Given the suburb's residential focus, the majority of working residents travel elsewhere for employment, with private motor vehicles dominating at 82% of commutes and train travel comprising 9%. Household vehicle ownership stands at an average of 1.2 vehicles per dwelling. In addition, 34.8% of residents worked remotely according to 2021 Census records, which were subject to COVID-19 pandemic conditions.

Transit services maintain an average frequency of 205 trips per day across the network, corresponding to roughly 11 weekly trips for each stop. The accompanying mapping illustrates the 100 nearest transit stops relative to the suburban centerpoint.

Frequently Asked Questions - Transport

How many public transport stops are in Umina Beach?
There are 123 public transport stops within the suburb of Umina Beach.
How frequent are the transport services in Umina Beach?
the suburb of Umina Beach has 1,439 weekly trips across 47 routes, averaging 205 trips per day.
How far are residents from public transport in Umina Beach?
On average, residential properties are 162 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Umina Beach

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62.7% of residents in Umina Beach report no long-term health condition, a less healthy profile than 75% of areas nationally. 7.1% need daily assistance with core activities, and 55.4% hold private health cover. The standardised death rate runs at 5.9 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

Chronic illness indicators and mortality figures compiled by AreaSearch reflect measurable health burdens in Umina Beach across both younger and older demographics. Meanwhile, private health insurance coverage is extensive, held by roughly 55% of the community (~9,517 people), compared to 59.9% across Greater Sydney. The most widely reported conditions locally are arthritis and mental health issues, affecting 9.9 and 9.5% of the population respectively, whereas 62.7% of residents reported no long-term medical conditions compared to 74.6% across Greater Sydney. Working-age cohorts show elevated levels of chronic disease, while residents aged 65 and over constitute 24.0% of the population (4,123 people), markedly above the 15.5% share in Greater Sydney.

Health metrics among local seniors align generally with broad national distributions despite ongoing chronic health challenges.

Frequently Asked Questions - Health

How many people in the suburb of Umina Beach have private health insurance?
Around 55.4% of people in the suburb of Umina Beach are covered by private health insurance, which compares to 59.9% in the broader region of Greater Sydney.
What percentage of the population requires ongoing medical assistance in the suburb of Umina Beach?
In the suburb of Umina Beach, 7.1% of the population is identified as requiring ongoing medical assistance. This figure is slightly different from the regional average, where 5.2% of people in Greater Sydney require similar assistance.
How prevalent is asthma in the suburb of Umina Beach?
8.4% of people in the suburb of Umina Beach are diagnosed with asthma. In comparison, 6.4% of the population across Greater Sydney is affected by asthma.
What percentage of people have diabetes in the suburb of Umina Beach?
Diabetes affects 4.7% of the the suburb of Umina Beach population, while in the surrounding region, 4.3% of people are diagnosed with diabetes.
What is the percentage of people with heart disease in the suburb of Umina Beach?
4.2% of people in the suburb of Umina Beach have heart disease. Across the region of Greater Sydney, 3.2% of the population is affected by heart disease.
How does the suburb of Umina Beach compare to the region in terms of overall private health coverage?
In the suburb of Umina Beach, 55.4% of the population are estimated to have private health insurance. Comparatively, Greater Sydney sees an estimated private health coverage rate of 59.9%.

Ancestry & LanguageCultural Diversity in Umina Beach

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Umina Beach is largely Australian-born, at 82.6% of residents, with 7.0% speaking a language other than English at home. The largest reported ancestries are English (31.8%) and Australian (28.5%). 3.0% of residents identify as Aboriginal and/or Torres Strait Islander. Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.

Detail

Cultural diversity measures place Umina Beach below broader metropolitan benchmarks, with 82.6% of residents born in Australia, 89.1% holding Australian citizenship, and 93.0% communicating solely in English at home. Christianity represents the primary religious affiliation at 52.4% of residents. Conversely, Judaism shows a notable local divergence at 0.1% of the community compared to 0.8% across Greater Sydney. Regarding ancestral backgrounds based on parental country of birth, the primary groups in Umina Beach are English at 31.8% (above the 19.0% regional rate), Australian at 28.5% (above the 17.8% regional rate), and Irish at 9.5%.

Further variations from regional averages appear among smaller ethnic groups, including New Zealand heritage at 0.9% (vs 0.5%), Maori at 0.7% (vs 0.4%), and Russian ancestry at 0.5% (vs 0.4%).

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Umina Beach?
Umina Beach was found to be below average in terms of cultural diversity, with 82.6% of its population born in Australia, 89.1% being citizens, and 93.0% speaking English only at home.
What is the most common religion in the suburb of Umina Beach?
The main religion in Umina Beach was found to be Christianity, which makes up 52.4% of people in Umina Beach. However, the most apparent overrepresentation was in Judaism, which comprises 0.1% of the population, compared to 0.8% across Greater Sydney.
What are the top countries of origin in the suburb of Umina Beach?
In terms of ancestry (country of birth of parents), the top three represented groups in Umina Beach are English, comprising 31.8% of the population, which is substantially higher than the regional average of 19.0%, Australian, comprising 28.5% of the population, which is substantially higher than the regional average of 17.8%, and Irish, comprising 9.5% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Russian is notably overrepresented at 0.5% of Umina Beach (vs 0.4% regionally), New Zealand at 0.9% (vs 0.5%) and Maori at 0.7% (vs 0.4%).
How does the percentage of people born overseas compare to the regional average?
17.4% of the the suburb of Umina Beach population was born overseas, compared to 40.5% regionally.
What percentage of the the suburb of Umina Beach population speaks a language other than English at home?
7.0% of the population in the suburb of Umina Beach speaks a language other than English at home, compared to 39.5% in the wider region.
How many people in the suburb of Umina Beach identify as Australian Aboriginal?
3.0% of the the suburb of Umina Beach population identifies as Australian Aboriginal, compared to 1.3% in the region.
What is the citizenship status of the population in the suburb of Umina Beach?
89.1% of the the suburb of Umina Beach population holds citizenship, compared to 80.8% in the wider region.

Age StructureAge Profile of Umina Beach

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The median resident of Umina Beach is 44, older than 76% of areas nationally. 19.3% 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

Demographics in Umina Beach lean distinctly older. Updated estimates as of August 2026 indicate that seniors and retirees (65+) make up 24.0% of residents, exceeding the Greater Sydney average of 15.5%, whereas adults aged 25 - 44 represent 22.2% compared to 31.4% regionally. The estimated median age is 44, matching the 2021 Census level and sitting well above both the Greater Sydney median of 37 and the national Census median of 38. The most visible shift since the Census occurred among the 45 - 64 age bracket, which decreased from 26.4% to an estimated 25.3%.

Looking forward to 2041, the 65+ cohort is projected to expand by 1,414 residents (34%) to 5,537, while younger and middle-aged adults are expected to contract.

Frequently Asked Questions - Age

What is the median age in the suburb of Umina Beach?
AreaSearch estimates the median age in the suburb of Umina Beach at 44 years as at August 2026. That is in line with the 2021 Census figure of 44 years, on an age profile AreaSearch re-estimates for population change recorded since the Census.
How does the suburb of Umina Beach's median age compare to broader areas?
At an estimated 44 years as at August 2026, Umina Beach is 7 years older than the Greater Sydney 2021 Census average (37 years) and 6 years older than the national Census average (38 years).
What age groups are over-represented in the suburb of Umina Beach?
On AreaSearch estimates updated to August 2026, the most over-represented age group in the suburb of Umina Beach compared to the Greater Sydney region is the 75 - 84 group, making up 9.0% of the population.
What age groups are under-represented in the suburb of Umina Beach?
On AreaSearch estimates updated to August 2026, the most under-represented age group in the suburb of Umina Beach compared to the Greater Sydney region is the 25 - 34 group, making up 8.9% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Umina Beach show significant variance compared to the Greater Sydney region. The most over-represented age groups are 85+ year-olds (3.8% vs 2.1%) and 75-84 year-olds (9.0% vs 5.3%). The most under-represented age group is 25-34 year-olds (8.9% vs 16.2%).
What is the percentage of children (0-14 years) in the suburb of Umina Beach?
AreaSearch estimates children aged 0-14 years at 18.2% of the population in the suburb of Umina Beach as at August 2026.
What is the percentage of older people (65+ years) in the suburb of Umina Beach?
AreaSearch estimates people aged 65 and over at 24.0% of the population in the suburb of Umina Beach as at August 2026.

Data & MethodBoundaries, Sources & Method for Umina Beach

Data currency Refreshed

9 of 14 data sections on this page were updated within the last 12 months — the newest current to Oct 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) Aug 2026 2 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 Aug 2026, with the 2021 Census supplying the small-area baseline.
Age profile ABS, Geoscience Australia, State governments Annual Aug 2026 2 months ago headline measures · 2021 Census baseline
Age cohorts are re-based to the latest ABS population estimates and state projections, current to Aug 2026. Each cohort is held as a Census baseline and a current estimate.
Development & approvals ABS, GNAF Monthly (ABS approvals) Aug 2026 2 months ago headline measures · Jul 2026 baseline
Property sales & rents Valuer General, Rental Board, ABS Weekly sales, quarterly rents Oct 2026 this month headline measures · Sep 2026 baseline
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 Oct 2026.
Infrastructure projects Infrastructure Australia, State agencies, Local governments Daily Aug 2026 2 months ago all 10 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 7 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) Sep 2026 last month headline measures · 2021 Census baseline
Transport ABS, State Transport Departments Each timetable release Jul 2026 3 months ago headline measures · 2021 Census baseline
Services & amenities Provider directories, ACECQA Continuous Sep 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 — 72 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (17,372 at the 2021 Census → 17,180 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 Aug 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 (SAL14025). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.

Common questions about this page

How do Umina Beach suburb boundaries differ from Statistical Areas?
This page uses Suburbs and Localities (SAL) boundaries (suburb-style geography). SAL represents commonly-known suburb names used in addresses, while Statistical Areas (SA2) are designed for census/statistical reporting. Even when sharing the same name, SAL and SA2 boundaries often cover different geographic areas with different populations.
Where does the data on this Umina Beach page come from?
AreaSearch compiles this page from official and industry sources — including ABS, Geoscience Australia, Valuer General, Provider directories, DEWR, JSA, State Transport Departments and ACARA — then aggregates them to the boundary shown and calculates the rankings, growth rates and benchmarks itself. Property sales come from the state valuation authority, rents from state rental bond lodgements, development applications from council and state planning portals, school data from ACARA, and public transport from state transport departments.
Is the Umina Beach data on this page just from the 2021 Census?
No. Most of this page is maintained well beyond the Census. Sourced entirely from current releases: development & approvals (Aug 2026), property sales & rents (Oct 2026), infrastructure projects (Aug 2026) and services & amenities (Sep 2026). Built on a Census baseline but carrying newer measures on top: population (to Aug 2026), age profile (to Aug 2026), employment (to Mar 2026), income (to FY 2023), education (to Sep 2026), transport (to Jul 2026) and health (to 2024). Population and age cohorts in particular are re-based to the latest ABS Estimated Resident Population rather than left at 2021 counts. Only housing, households and cultural diversity remain wholly Census-based, because no more current small-area dataset exists for those measures.

Nearby Areas