Median house price
$866k
+1.9% change
NSW · Shoalhaven Council
Terara, 2540
Est. population · Jun 2025
320
Growth (1 yr)
+0.3%
Growth (5 yr)
+6.7%
Median age
59
Median income
$825/wk
Employment rate
36.9%
Median house price · October to December 2025
$866,000
Languages at home
4.8%non-English
Most common: Thai
2021 Census · usual residence
Desirability score
- Excellent transport
- Education hub
- High desirability
Suburb profile
Terara offers a slower smaller community life in Shoalhaven Council, with open surrounds and a close-knit community feel. An older demographic makes it especially popular with retirees, with families and grandchildren still a visible part of community life. The pace is unhurried, with local businesses and community spots doing the heavy lifting.
Everyday basics may be close by, but bigger shopping and services typically require a trip to a nearby centre. Open space is thinner than in many regional towns, so residents often travel a little further for a longer park day. A car helps for most daily errands, though buses still link the suburb further afield.
Property sits in a premium price band and is harder to enter for many buyers. Tree-lined streets and established homes set the tone, with little pressure to reinvent the neighbourhood.
Versus similar regional towns, the suburb reads below average on desirability, chiefly because growth momentum, plus community and employment trail behind. Limited access to some essential local services also trimmed the result.
At a glance
Terara snapshot
A quick read of housing, growth, livability, and risk
Median rent
$571/wk
Houses $600 · Units $465
Population (ERP)
320
+0.3% annual growth
Dwelling vacancy
6.8%
Census unoccupied dwellings
Livability profile
Desirability pillars vs the peer median (50th percentile)
How it compares
Relative standing using percentiles, ranks, and national deciles
Desirability
#319
among Country & regional · Mature
Safety
20th
percentile in state (higher = safer)
Pop. growth
44th
percentile in NSW
Advantage (IRSAD)
4/10
national SEIFA decile
School ICSEA
37th
percentile among schools with ICSEA
Population growth
Recent ERP change over 1 and 5 years
Housing mix
Dwelling types from the 2021 Census
Risks & flags
Quick scan — open a section below for full context
Living here
Desirability
Ranks & confidence
- Desirability score
- 33.5/100 — Below average
- National rank
- 4953rd in Australia
- State rank
- 1589th in NSW
- Peer rank
- #319 among Country & regional · Mature suburbs
- Cohort rank
- #642 among Country & regional suburbs
- Data confidence
- 79%
Data sources & freshness
- Suburb Guide desirability index — Suburb Guide (derived) · current · Updated
Housing
- Flats / units (January to March 2026)
- $465
- Houses (January to March 2026)
- $600
- All types (January to March 2026)
- $571
- Rental bonds lodged (January to March 2026)
- 300
- Median house price (October to December 2025)
- $866,000
- Median price change
- +1.9%
Median weekly rent from NSW DCJ rent tables. Figures can be unreliable where few bonds were lodged in the quarter.
Contributes to desirability score · Housing (15%) · Future Growth (7%)
Median price, rental yield and vacancy Recent price momentum
Data sources & freshness
- DCJ rent and sales tables — NSW Department of Communities and Justice · January to March 2026; October to December 2025 · Updated · Quarterly releases
Population
Estimated resident population
320(June 2025)
+0.3% annual · +6.7% over 5 years · 44th percentile in NSW
Growth figures & methodology
- Annual growth
- +0.3%
- 5-year growth
- +6.7%
- Change in 1 year
- +1
- Change in 5 years
- +20
- Growth rank in NSW
- 44th percentile
ABS Estimated Resident Population allocated to this suburb from SA2-level data. Not an official ABS suburb count.
Methodology
Figures are allocated from ABS Estimated Resident Population at Statistical Area Level 2 (SA2), using 2021 Census share within overlapping SA2 regions. Where Census data is unavailable, area overlap is used instead.
The dashed chart line is a simple growth-trend estimate to June 2030 (~350), extrapolated at +1.7% average annual growth since 2011. It is illustrative only — not an official ABS forecast.
2021 Census figures
2021 Census
- Population
- 305
- Median age
- 59
- Median household income / week
- $825
- Dwelling vacancy
- 6.8%
- Unoccupied private dwellings
- 11 of 161
- Median monthly mortgage
- $1,600
- Employment rate
- 36.9%
- Dwelling mix (houses / semi / flats)
- 66 / 0 / 0 (+ 65 other)
Contributes to desirability score · Community (5%)
Employment, household income and age diversity (2021 Census)
Data sources & freshness
- 2021 Census — General Community Profile — Australian Bureau of Statistics · Updated
The 2026 Census runs in August 2026; suburb-level updates are expected from mid-2027.
- Estimated Resident Population — Australian Bureau of Statistics · 2025 · Updated · SA2 ERP allocated to suburb boundaries
Community & culture
No 2021 Census cultural diversity data for this suburb yet.
Data sources & freshness
- 2021 Census — General Community Profile — Australian Bureau of Statistics · Updated
The 2026 Census runs in August 2026; suburb-level updates are expected from mid-2027.
Crime & safety
Reported offences decreased compared with the previous period.
Offence counts & rates
- Total offences (Jan 2025 to Dec 2025)
- 13
- Against the person
- 5
- Against property
- 5
- Rate per 1,000 residents
- 40.6
- Person-crime prevalence
- About 1 in 61 residents
- State safety percentile
- 19.9th (lower crime is better)
- Decrease (daily rate)
- -6.9%
Most common offence types
- Breach Apprehended Violence Order135
- Domestic Violence Related Assault174
- Intimidation, Stalking And Harassment283
- Malicious Damage To Property261
- Non-Domestic Violence Related Assault146
Contributes to desirability score · Safety (18%)
Crime rate and year-on-year trend
Data sources & freshness
- BOCSAR postcode crime statistics — NSW Bureau of Crime Statistics and Research · Jan 2024 to Dec 2024 → Jan 2025 to Dec 2025; Jan 2025 to Dec 2025 · Updated · Rolling 12-month windows
Family & Lifestyle
Schools & preschools
- Schools within 2 km
- 2
- Median school ICSEA (2 schools)
- 976.5
- Median ICSEA percentile
- 37th
School list
- Terara Public SchoolPrimary · Government · ICSEA 1009 · 51th percentile · LBOTE 7% · 96 students · Top SEA quarter 9% · 0.2 km awayView on My School →
- Nowra High SchoolSecondary · Government · ICSEA 944 · 22th percentile · LBOTE 8% · 777 students · Top SEA quarter 7% · 1.8 km awayView on My School →
Contributes to desirability score · Education (15%)
School and preschool counts, median school ICSEA
Data sources & freshness
- ACARA school locations — Australian Curriculum, Assessment and Reporting Authority · 2025 · Updated · Annual release
- School ICSEA scores — Australian Curriculum, Assessment and Reporting Authority · 2025 · Updated · Annual release
Public transport
10 public transport stops in this suburb
- 73 Millbank Rd
- Millbank Rd After South St
- South St At Holme St
- South St Opp Holme St
- Terara Public School, Millbank Rd
Contributes to desirability score · Accessibility (15%)
Public transport stop coverage
Data sources & freshness
- Timetables Complete GTFS stops (© Transport for NSW, CC BY 4.0) — Transport for NSW — Open Data Hub · current · Updated · Nightly GTFS feed
Amenities
11 nearby amenities within ~1.5 km
1 swimming pools
Local character & venue list
Local character
- Limited walkable amenities nearby
- Reasonable bus and transport access — 10 public transport stops
- Walkability proxy
- 15/100
- Cafés per 1,000 residents
- 0
- Food & drink per 1,000 residents
- 0
- Parks per 1,000 residents
- 0
Community(1)
- Terara Public SchoolSchool
20 Millbank Road, Terara
Sport & outdoors(2)
- Sports field
- Swimming pool
Transport(1)
1 bus stops
Other(6)
- Bbq
- Shoalhaven Caravan VillageCaravan Site
- Picnic Table (2)
- Public toilets
- Shelter
- Shower
Names and addresses from OpenStreetMap. Unnamed venues show as their type (e.g. Cafe). Transport stops are summarised by type rather than listed individually.
Contributes to desirability score · Lifestyle (15%)
Food, shopping, recreation and sport (OpenStreetMap)
Data sources & freshness
- Local amenity insights — Suburb Guide (derived) · current · Updated
- OpenStreetMap amenities — OpenStreetMap contributors · current · Updated
Health access
- Nearest hospital
- Shoalhaven District Memorial Hospital (3.1 km)
- Nearest hospital type
- Public hospital
- Nearest hospital emergency
- Emergency department
Contributes to desirability score · Accessibility (15%)
Hospitals and GP clinics
Data sources & freshness
- Hospitals & clinics — OpenStreetMap + state health datasets · current · Updated
NDIS participation
- NDIS participants (31 March 2026)
- 16
- Participants per 1,000 residents
- 50.0
Active NDIS participants allocated from NDIA Statistical Area Level 2 (SA2, ASGS 2016) counts to this suburb boundary. Not an official suburb-level NDIS figure · as at 31 March 2026.
For NDIS spend and service-demand exploration by SA2 or postcode, see the Care Sector Demand Map.
Data sources & freshness
- NDIS participants by SA2 — National Disability Insurance Agency · 2026-Q1 · Updated · Quarterly SA2 counts allocated to suburb boundaries
Weather
Typical conditions by season for suburbs in the same ~44 km climate area. Rainfall totals are summed from monthly WorldClim layers; rainy-day counts are approximate.
Summer (Dec–Feb)
- Usual max / min
- 24° / 17°
- Rainfall
- 301 mm · ~38 rainy days
Autumn (Mar–May)
- Usual max / min
- 21° / 15°
- Rainfall
- 396 mm · ~50 rainy days
Winter (Jun–Aug)
- Usual max / min
- 16° / 10°
- Rainfall
- 292 mm · ~36 rainy days
Spring (Sep–Nov)
- Usual max / min
- 20° / 13°
- Rainfall
- 274 mm · ~34 rainy days
Contributes to desirability score · Lifestyle (15%)
Temperature and humidity comfort
Data sources & freshness
- Seasonal climate normals — WorldClim 2.1 · Updated
Future & Planning
Planning & development
Development applications from NSW Planning Portal.
2026· 7 proposals
July 2026
- Function centre; Hours of operation and trading111 TERARA ROAD TERARA 2540Under Assessment
April 2026
- Temporary building, structure or use; Temporary structure135 TERARA ROAD TERARA 2540Determined
- Shed; Erection of a new structureMILLBANK ROAD TERARA LOT 3 DP 420653Determined
March 2026
- Shed; Erection of a new structure5 HOLME STREET TERARA 2540Determined
February 2026
- Temporary building, structure or use; Temporary structure330 COMERONG ISLAND ROAD TERARA 2540Determined
January 2026
- Demolition; Shed; Erection of a new structure180 SOUTH STREET TERARA 2540Withdrawn
- Alterations or additions to an existing building or structure; Caravan park17 TERARA ROAD TERARA 2540Additional Information Requested
2025· 3 proposals
November 2025
- Demolition; Shed; Erection of a new structure139 TERARA ROAD TERARA 2540Determined
July 2025
- Shed; Erection of a new structure420 COMERONG ISLAND ROAD TERARA 2540Determined
January 2025
- Function centre; Hours of operation and trading111 TERARA ROAD TERARA 2540Determined
2024· 1 proposal
August 2024
- Function centre; Hours of operation and trading174 MILLBANK ROAD TERARA 2540Determined
2023· 6 proposals
December 2023
- Dwelling house; Alterations or additions to an existing building or structure1 NOBBLERS LANE TERARA 2540Determined
October 2023
- Subdivision; Crop or fodder production; Dairy (pasture-based)TERARA ROAD TERARA 2540Determined
September 2023
- Dwelling house; Alterations or additions to an existing building or structure344 COMERONG ISLAND ROAD TERARA 2540Determined
August 2023
- Demolition; Other135 TERARA ROAD TERARA 2540Determined
July 2023
- Alterations and additions to residential development151 SOUTH STREET TERARA 2540Determined
March 2023
- Other77 MILLBANK ROAD TERARA 2540Withdrawn
2022· 4 proposals
August 2022
- Other2 WEST BERRY STREET TERARA 2540Determined
June 2022
- Subdivision of land; Other92 MILLBANK ROAD TERARA 2540Determined
May 2022
- Alterations and additions to residential development27A MILLBANK ROAD TERARA 2540Determined
- Dwelling151 SOUTH STREET TERARA 2540Determined
2021· 4 proposals
July 2021
- Pools / decks / fencing; Other77 MILLBANK ROAD TERARA 2540Determined
May 2021
- OtherTERARA ROAD TERARA 2540Determined
March 2021
- Pools / decks / fencing55 TERARA ROAD TERARA 2540Determined
February 2021
- Other330 COMERONG ISLAND ROAD TERARA 2540Determined
Contributes to desirability score · Future Growth (7%)
Development and planning activity
Data sources & freshness
- Online DA development application register — NSW Department of Planning, Housing and Infrastructure · 2026 · Updated · Daily feed (from Oct 2018)
Hazards
- Bushfire planning zone
- Overlay applies
Bushfire overlay checked at suburb centroid via NSW bush fire prone land mapping.
Contributes to desirability score · Safety (18%)
Bushfire hazard overlays
Data sources & freshness
- Hazard planning overlays — State government hazard layers · current · Updated
Politics & representation
- Federal electorate
- Gilmore
- Member of Parliament
- Fiona PHILLIPS (Australian Labor Party)
- Results from
- 2025 federal election
- Electorate enrolment (2025)
- 128,995
- Turnout (2025)
- 92.5%
- Swing since 2022 (2025)
- +5.0 pp toward Labor
Two-party preferred (2025)
Coalition 44.9%Labor 55.1%
Estimated suburb voting profile
Estimated from 8 nearby ordinary polling places (up to 5.1 km away).
Coalition 45.2%Labor 54.8%
0.4 percentage points more Coalition-leaning than the electorate
Estimated swing since 2022: +10.3 pp toward Labor
Nearest polling places
- TeraraLabor 54.3% · Coalition 45.7% TPP (2025)0.4 km away
- Nowra EastLabor 63.8% · Coalition 36.2% TPP (2025)2.4 km away
- Nowra CentreLabor 59.9% · Coalition 40.1% TPP (2025)2.6 km away
- NowraLabor 57.7% · Coalition 42.3% TPP (2025)2.8 km away
- BomaderryLabor 58.4% · Coalition 41.6% TPP (2025)3.0 km away
Federal electorate from AEC federal division boundaries (2025 redistribution). Division-level results are official AEC figures from the latest general election, with by-election updates where applicable. The estimated suburb profile blends up to eight nearest ordinary polling booths in the same electorate using inverse-distance weighting from the suburb centroid — an approximation, not official AEC data. Nearest polling places are shown for reference.
Data sources & freshness
- Federal election results — Australian Electoral Commission · Updated · 2025 election with by-election overlays
Socio-economic
- IRSAD decile (2021)
- 4/10
- IRSD decile (2021)
- 4/10
ABS Socio-Economic Indexes for Areas (SEIFA), 2021 release — the latest available, derived from the 2021 Census. Deciles rank suburbs nationally from 1 (lowest) to 10 (highest).
What do IRSAD and IRSD measure?
IRSAD — Index of Relative Socio-economic Advantage and Disadvantage. Combines indicators of advantage (e.g. high income, skilled occupations) and disadvantage. Higher decile = more advantaged relative to other Australian areas.
IRSD — Index of Relative Socio-economic Disadvantage. Focuses on disadvantage only (e.g. low income, unemployment, limited education). Higher decile = less disadvantage nationally.
A new SEIFA edition typically follows each census; the ABS has not announced a release date beyond 2021.
Contributes to desirability score · Community (5%)
Socio-economic advantage (IRSAD decile)
Data sources & freshness
- SEIFA 2021 (IRSAD / IRSD) — Australian Bureau of Statistics · Updated
More in Shoalhaven Council
Other suburbs in the same local government area.
Comparable suburbs
Similar population and socio-economic profile in other parts of New South Wales.