NSW · Shoalhaven Council
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%
University qualified
11.3%
Work from home
19.2%
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
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Suburb profile
Terara is a rural locality in New South Wales, in Shoalhaven Council.
Local amenities are a relative strength, placing it among the highest-ranked rural localities. School access is strong, with school access 100% above the peer median. Population has been growing faster than in comparable places, with population growth 87% above the peer median. Trade-offs centre on higher housing costs and weaker employment, with median house prices 24% above the peer median.
Terara is a better fit for people who value local amenities and school access more than lower housing costs.
Generated from the official metrics on this page. It can omit nuance or contain errors — check the tables and source notes before relying on it.
Strengths and weaknesses
Rural locality · compared with rural localities in New South Wales (2685)
Nothing distinctive beyond the usual profile.
Who it suits
Housing, growth and risk
A quick read of housing, growth, livability, and risk
Median house price
$866k
+1.9% change
Median rent
$571/wk
Houses $600 · Units $465
Population (ERP)
320
+0.3% annual growth
Dwelling vacancy
6.8%
Census unoccupied dwellings
Desirability pillars vs the peer median (50th percentile)
Relative standing using percentiles, ranks, and national deciles
Desirability
#280
among Country & regional · Mature
Crime rate
20th
percentile in state (higher = more crime)
Pop. growth
44th
percentile in NSW
Rented dwellings
16%
2021 Census tenure
Advantage (IRSAD)
4/10
national SEIFA decile
School ICSEA
37th
percentile among schools with ICSEA
Recent ERP change over 1 and 5 years
Dwelling types from the 2021 Census
Quick scan — open a section below for full context
Data sources & freshness
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 (10%) · Future Growth (6%)
Household crowding and healthy vacancy — not cheapness Modest price change as a healthy-growth band
Data sources & freshness
Estimated resident population
320(June 2025)
+0.3% annual · +6.7% over 5 years · 44th percentile in NSW
ABS Estimated Resident Population allocated to this suburb from SA2-level data. Not an official ABS suburb count.
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
Contributes to desirability score · Community (12%) · Accessibility (12%) · Future Growth (6%)
Employment, household income and owned-outright tenure (2021 Census) Work-from-home and public-transport commute shares (2021 Census) Five-year population change as a healthy-growth band, not a boom bonus
Data sources & freshness
The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.
11.3% of adults have a university degree, compared with 27.8% across New South Wales. 18.4% have a trade or vocational qualification.
Main field of the highest non-school qualification (2021 Census).
| Measure | Definition |
|---|---|
| University qualified | Bachelor degree or higher |
| Diploma qualified | Advanced Diploma / Diploma |
| Trade / vocational | Certificate III + IV |
| Year 12 | Year 12 as highest attainment |
| Below Year 12 | Year 11 / 10 / 9 or below |
People aged 15 years and over, 2021 Census. University, diploma and trade shares match ABS highest educational attainment (HEAP). Year 12 and below Year 12 are combined in the chart because the General Community Profile reports school-only attainment as a residual.
Contributes to desirability score · Community (12%)
University qualifications from the 2021 Census
Data sources & freshness
The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.
34th percentile in NSW · -13% vs Australia
33rd percentile in NSW · -12% vs Australia
61st percentile in NSW · +9% vs Australia
66th percentile in NSW · +30% vs Australia
51st percentile in NSW · -4% vs Australia
Australian Taxation Office Taxation Statistics 2023–24, individuals Table 25. Figures describe taxpayers who live in postcode 2540 — not a suburb-level official statistic. Rental investment is the share of local taxpayers reporting rental income or loss, not the share of local properties owned by investors.
Percentiles rank this postcode among unique postcodes in NSW, so suburbs that share a postcode are not counted twice. Dollar figures are compared with Australia-wide ATO medians from the same release. Median net rent is among taxpayers who reported the rent label and can be negative.
Data sources & freshness
4.8% speak a language other than English at home; 13.6% born overseas
Share of residents who speak a language other than English at home (2021 Census).
48.2%Most common religion · Christianity
Christianity is the most common response at 48.2%, while 36.4% reported no religion.
| Measure | Suburb | State |
|---|---|---|
| No religion | 36.4% | 32.8% |
| Christianity | 48.2% | 47.6% |
| Other / not stated | 15.4% | 19.6% |
| Denomination | Suburb | State |
|---|---|---|
| Anglican | 19.7% | 11.9% |
| Catholic | 13.4% | 22.4% |
| Christian (not further defined) | 4.3% | 2.4% |
| Uniting Church | 3.3% | 2.1% |
2021 Census — languages spoken at home, birthplace, Indigenous status, and religious affiliation (usual residence). Religion is optional on the Census form.
Data sources & freshness
The 2026 Census was conducted in August 2026; suburb-level updates are expected from mid-2027.
Offence counts are estimated for this suburb from postcode 2540, which is shared with other suburbs.
Reported offences decreased compared with the previous period.
Contributes to desirability score · Safety (22%)
Crime rate, offences against the person, year-on-year trend and recorded road crash rates
Data sources & freshness
Government school intake zones that overlap this suburb boundary. Living in a catchment does not guarantee enrolment; check the education authority.
Contributes to desirability score · Education (14%)
Median school ICSEA first, then school and catchment counts
Data sources & freshness
10 public transport stops in this suburb
Contributes to desirability score · Accessibility (12%)
Public transport stops per 1,000 residents and walkability
Data sources & freshness
12 mapped amenities
1 swimming pools · 1 caravan parks
20 Millbank Road, Terara
1 bus stops · 1 ferry terminals
Names and addresses from OpenStreetMap. Unnamed venues show as their type (e.g. Cafe). Transport stops are summarised by type rather than listed individually. Campgrounds, beaches, wineries and local trails are included when they sit inside the suburb boundary.
Contributes to desirability score · Lifestyle (12%)
Food, shopping, recreation and sport per 1,000 residents (OpenStreetMap)
Data sources & freshness
Green cover is the share of this suburb's boundary overlapping OpenStreetMap parks, woodland and forest polygons — not a satellite tree-canopy product. Summer maximum is the WorldClim / Open-Meteo seasonal normal already collected for Weather.
Contributes to desirability score · Environment (12%)
Tree canopy first, then green-cover area and parks per 1,000
Data sources & freshness
GP clinic counts from OpenStreetMap. Bulk-billing figures only include clinics tagged in OSM (sparse and unofficial — not a Medicare list).
Contributes to desirability score · Accessibility (12%)
Hospitals, GPs and aged care
Data sources & freshness
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
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.
Contributes to desirability score · Lifestyle (12%)
Temperature and humidity comfort
Data sources & freshness
Development applications from NSW Planning Portal.
August 2026
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April 2026
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February 2026
January 2026
November 2025
July 2025
January 2025
August 2024
December 2023
October 2023
September 2023
August 2023
July 2023
March 2023
August 2022
June 2022
May 2022
July 2021
May 2021
March 2021
February 2021
Data sources & freshness
Bushfire overlay checked at suburb centroid via NSW bush fire prone land mapping. Flood cover uses NSW flood planning polygons against the suburb boundary.
Contributes to desirability score · Safety (22%)
Bushfire and flood hazard overlays
Data sources & freshness
Two-party preferred (2025)
Estimated suburb voting profile
Estimated from 8 nearby ordinary polling places (up to 5.1 km away).
0.4 percentage points more Coalition-leaning than the electorate
Estimated swing since 2022: +10.3 pp toward Labor
Nearest polling places
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
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).
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 (12%)
Socio-economic advantage (IRSAD and IRSD deciles)
Data sources & freshness
Other suburbs in the same local government area.
Similar population and socio-economic profile in other parts of New South Wales.