Median house price
$1.56M
-1.6% change
NSW · Central Coast Council
Terrigal, 2260
Est. population · Jun 2025
13,427
Growth (1 yr)
+1.0%
Growth (5 yr)
+5.3%
Median age
43
Median income
$2,056/wk
Employment rate
58.1%
Median house price · October to December 2025
$1,565,000
Languages at home
8.1%non-English
Most common: Mandarin, Spanish, Italian
2021 Census · usual residence
Desirability score
- Coastal
- Green suburb
- National parks
- Excellent transport
- High desirability
Suburb profile
Life in Terrigal revolves around the coast, with the feel of a established suburb that never strays far from the water. The wider metro area and neighbouring suburbs stay within easy reach when you want a change of scene. The area suits established families and long-term locals, with family life visible on every street.
Sport and recreation are easy to access, with local venues supporting active weekends and after-work routines. Outdoor life is easy here, with generous parks and room for kids, dogs and weekend strolls. Buses are a genuine asset, linking residents to work, study and nearby neighbourhoods.
Property sits in a premium price band and is harder to enter for many buyers. Construction and infill projects are noticeably reshaping parts of the area.
The overall desirability read is around average, pulled by softer growth momentum compared with similar coastal suburbs, though community and employment, plus schools and education remain brighter spots. Limited access to some essential local services also trimmed the result.
At a glance
Terrigal snapshot
A quick read of housing, growth, livability, and risk
Median rent
$800/wk
Houses $875 · Units $690
Population (ERP)
13,427
+1.0% annual growth
Dwelling vacancy
13.8%
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
#25
among Coastal & beach · Established
Safety
14th
percentile in state (higher = safer)
Pop. growth
67th
percentile in NSW
Advantage (IRSAD)
10/10
national SEIFA decile
School ICSEA
72nd
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
- 52.5/100 — Average
- State standing
- Top 26% of New South Wales' suburbs
- National rank
- 1857th in Australia
- State rank
- 539th in NSW
- Peer rank
- #25 among Coastal & beach · Established suburbs
- Cohort rank
- #58 among Coastal & beach suburbs
- Data confidence
- 100%
Data sources & freshness
- Suburb Guide desirability index — Suburb Guide (derived) · current · Updated
Housing
- Flats / units (January to March 2026)
- $690
- Houses (January to March 2026)
- $875
- All types (January to March 2026)
- $800
- Rental bonds lodged (January to March 2026)
- 185
- Median house price (October to December 2025)
- $1,565,000
- Median price change
- -1.6%
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
13,427(June 2025)
+1.0% annual · +5.3% over 5 years · 67th percentile in NSW
Growth figures & methodology
- Annual growth
- +1.0%
- 5-year growth
- +5.3%
- Change in 1 year
- +137
- Change in 5 years
- +673
- Growth rank in NSW
- 67th 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 (~14,250), extrapolated at +1.2% average annual growth since 2011. It is illustrative only — not an official ABS forecast.
2021 Census figures
2021 Census
- Population
- 12,730
- Median age
- 43
- Median household income / week
- $2,056
- Dwelling vacancy
- 13.8%
- Unoccupied private dwellings
- 751 of 5,458
- Median monthly mortgage
- $2,492
- Employment rate
- 58.1%
- Dwelling mix (houses / semi / flats)
- 3,341 / 344 / 1,012
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)
- 475
- Against the person
- 171
- Against property
- 196
- Rate per 1,000 residents
- 35.4
- Person-crime prevalence
- About 1 in 74 residents
- State safety percentile
- 13.5th (lower crime is better)
- Decrease (daily rate)
- -0.1%
Most common offence types
- Domestic Violence Related Assault72
- Fraud99
- Intimidation, Stalking And Harassment112
- Malicious Damage To Property98
- Non-Domestic Violence Related Assault84
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
- 4
- Median school ICSEA (4 schools)
- 1,061
- Median ICSEA percentile
- 72th
School list
- Aspect Central Coast SchoolSpecial · Independent · ICSEA 1030 · 60th percentile · LBOTE 18% · 122 students · Top SEA quarter 21% · 0.1 km awayView on My School →
- Terrigal High SchoolSecondary · Government · ICSEA 1044 · 66th percentile · LBOTE 11% · 847 students · Top SEA quarter 22% · 0.3 km awayView on My School →
- Terrigal Public SchoolPrimary · Government · ICSEA 1078 · 78th percentile · LBOTE 14% · 888 students · Top SEA quarter 32% · 1.1 km awayView on My School →
- Our Lady Star of The Sea Catholic Primary SchoolPrimary · Catholic · ICSEA 1102 · 85th percentile · LBOTE 12% · 605 students · Top SEA quarter 41% · 1.4 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
Childcare
1 childcare service from OpenStreetMap
- Terrigal Childrens Centrechildcare
Contributes to desirability score · Education (15%)
Childcare centre count
Data sources & freshness
- Childcare services — OpenStreetMap · current · Updated
Public transport
156 public transport stops in this suburb
- Terrigal Dr Before Jessie Hurley Dr
- Terrigal Hotel, Terrigal Dr
- Willoughby Rd At Woodland Rd
- Willoughby Rd Opp Terrigal Lagoon Reserve
- Willoughby Rd Opp Terrigal Presbyterian Church
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
203 nearby amenities within ~1.5 km
1 restaurants · 1 bars · 2 places of worship · 2 playgrounds · 1 sports centres · 93 swimming pools · 2 petrol stations
Local character & venue list
Local character
- A car helps for daily errands
- Great for outdoor family life — 10 parks mapped in suburb, 2 playgrounds nearby
- Well connected by public transport — 156 public transport stops
- Strong local sport and recreation — 98 sport and outdoor facilities nearby
- Walkability proxy
- 34/100
- Cafés per 1,000 residents
- 0
- Food & drink per 1,000 residents
- 0.16
- Parks per 1,000 residents
- 0.79
Food & drink(2)
- Terrigal HotelBar
176 Terrigal Drive
- Lagoon BistroRestaurant
Shopping(1)
- Georges Fruit BarnGreengrocer
Community(5)
- Terrigal Childrens CentreChildcare
- Terrigal Fifty Plus Leisure and Learning CentreCommunity centre
Duffys Road, Terrigal
- Our Lady Star of the Sea Catholic Primary SchoolSchool
165 Serpentine Road
- Terrigal High SchoolSchool
Terrigal
- Terrigal Public SchoolSchool
Terrigal
Sport & outdoors(102)
- Anniversary Avenue ReservePark
- Drummer Parry ParkPark
- Terrigal Lagoon ReservePark
- Terrigal Rotary ParkPark
- Playground
- Terrigal Rotary ParkPlayground
- Gosford City Basketball & Sports StadiumSports centre
Duffys Road, Terrigal
- Banjo's Skate ParkSports field
- Sports field
- Elysium apartments poolSwimming pool
156 Terrigal Drive
- Swimming pool
1 Barnhill Road, Terrigal
- Swimming pool (91)
Transport(49)
49 bus stops
Other(20)
- Terrigal SupercellarsAlcohol
- Bbq
- Bicycle Parking
- Drinking water
- Terrigal Fire StationFire station
7 Terrigal Drive
- Central Coast Marine Discovery CentreInformation
- Gosford Coastal Open Space System (Gazettal in Progress)Nature Reserve
- Terrigal Lagoon WetlandNature Reserve
- Parking (19)
- Parking Entrance
- Petrol station
- ShellPetrol station
- Church of the Holy TrinityPlace of worship
- Terrigal Presbyterian ChurchPlace of worship
- Public toilets
- Shelter (3)
- TelstraTelephone
- Terrigal BMX ClubTrack
- Track (4)
- Waste Basket (2)
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
Parks & reserves
8 parks and public open space in this suburb
- Anniversary Avenue ReservePark
- Drummer Parry ParkPark
- Gosford Coastal Open Space System (Gazettal in Progress)Nature reserve
- Stratford ParkPark
- Terrigal HavenPark
- Terrigal Lagoon ReservePark
- Terrigal Lagoon WetlandNature reserve
- Terrigal Rotary ParkPark
Data sources & freshness
- Parks & reserves — State government + ABS LGA boundaries · current · Updated
Green cover
- Parks & woodland (OSM)
- 39
- Parks (OSM)
- 10
OpenStreetMap parks and natural woodland features mapped within the suburb boundary.
Contributes to desirability score · Environment (10%)
Parks and green cover (OpenStreetMap)
Data sources & freshness
- OpenStreetMap green cover — OpenStreetMap contributors · current · Updated
Places of worship
2 places of worship within ~1.5 km
- Church of the Holy Trinity
- Terrigal Presbyterian Church
From OpenStreetMap within ~1.5 km of the suburb centre.
Data sources & freshness
- OpenStreetMap amenities — OpenStreetMap contributors · current · Updated
Health access
- Hospitals & GP clinics in suburb
- 1
- Nearest hospital
- Central Coast Day Hospital (4.0 km)
- Nearest hospital type
- Hospital
- Nearest hospital emergency
- Emergency department
- Emergency department in suburb
- Not in suburb
- Terrigal Medical CentreClinic
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)
- 319
- Participants per 1,000 residents
- 23.8
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
- 26° / 18°
- Rainfall
- 386 mm · ~48 rainy days
Autumn (Mar–May)
- Usual max / min
- 22° / 14°
- Rainfall
- 394 mm · ~49 rainy days
Winter (Jun–Aug)
- Usual max / min
- 17° / 8°
- Rainfall
- 266 mm · ~33 rainy days
Spring (Sep–Nov)
- Usual max / min
- 22° / 13°
- Rainfall
- 253 mm · ~32 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· 44 proposals
July 2026
- Demolition; Dwelling house; Alterations or additions to an existing building or structure22 CASINO STREET TERRIGAL 2260Under Assessment
June 2026
- Dwelling house; Erection of a new structure; Residential Accommodation75 BEAUFORT ROAD TERRIGAL 2260Under Assessment
- Dwelling house; Alterations or additions to an existing building or structure5 BRUNSWICK ROAD TERRIGAL 2260Under Assessment
- Dwelling house; Alterations or additions to an existing building or structure; Minor building alterations (internal); Minor building alterations (external)37 WINDEMERE DRIVE TERRIGAL 2260Determined
- Dual occupancy; Erection of a new structure; Dual occupancy (attached)30 ASH STREET TERRIGAL 2260Additional Information Requested
- Signage; Advertising and signage; Advertising structure; Building identification sign; Business identification sign5 CHURCH STREET TERRIGAL 2260Under Assessment
- Dwelling house; Erection of a new structure127 HASTINGS ROAD TERRIGAL 2260Under Assessment
- Dual occupancy; Demolition; Medium Density Housing; Erection of a new structure; Dual occupancy (attached); Swimming pool; Residential Accommodation; Supporting Development100 HASTINGS ROAD TERRIGAL 2260Under Assessment
- Erection of a new structure; Balcony, deck, patio, terrace or verandah354 SCENIC HIGHWAY TERRIGAL 2260Determined
May 2026
- Dwelling house; Erection of a new structure; Swimming pool; Residential Accommodation77 BEAUFORT ROAD TERRIGAL 2260Determined
- Erection of a new structure; Registered club4 WILSON ROAD TERRIGAL 2260Under Assessment
- Dwelling house; Alterations or additions to an existing building or structure; Balcony, deck, patio, terrace or verandah; Carport48 RIVIERA AVENUE TERRIGAL 2260Determined
- Dwelling house; Erection of a new structure13 RAYMOND TERRACE TERRIGAL 2260Determined
- Erection of a new structure; Swimming pool115 HASTINGS ROAD TERRIGAL 2260Determined
April 2026
- Erection of a new structure; Balcony, deck, patio, terrace or verandah; Swimming pool126 SCENIC HIGHWAY TERRIGAL 2260Determined
- Demolition; Residential flat building; Erection of a new structure24-28 CAMPBELL CRESCENT TERRIGAL 2260Under Assessment
- Demolition; Shop top housing; Restaurant or cafe; Erection of a new structure; Serviced apartment9 CHURCH STREET TERRIGAL 2260Under Assessment
- Dwelling house; Alterations or additions to an existing building or structure29 STRATFORD PARK DRIVE TERRIGAL 2260Determined
- Dwelling house; Alterations or additions to an existing building or structure67 BEAUFORT ROAD TERRIGAL 2260Operational consent issued
- Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation1 ANCHORAGE CRESCENT TERRIGAL 2260Under Assessment
March 2026
- Change of use of land or a building or the classification of a building under the Building Code of Australia; Recreation facility (indoor)10 CHURCH STREET TERRIGAL 2260Under Assessment
- Demolition; Dwelling house; Alterations or additions to an existing building or structure; Garage, carport or carparking space; Swimming pool23 LORIKEET STREET TERRIGAL 2260Determined
- Demolition; Dwelling house; Erection of a new structure; Driveways and hard stand spaces; Earthworks, retaining walls and structural support; Garage, carport or carparking space; Rainwater tanks; Skylights, roof windows and ventilators; Swimming pool; Residential Accommodation; Supporting Development15 JOHN GRAY CLOSE TERRIGAL 2260Withdrawn
- Secondary dwelling; Erection of a new structure5 ALEXANDER CLOSE TERRIGAL 2260Under Assessment
- Alterations or additions to an existing building or structure; Swimming pool16 COTTEE CRESCENT TERRIGAL 2260Determined
- Shed; Erection of a new structure273 SCENIC HIGHWAY TERRIGAL 2260Determined
- Subdivision36 KINGS AVENUE TERRIGAL 2260Under Assessment
- Dwelling house; Alterations or additions to an existing building or structure12 OGILVIE STREET TERRIGAL 2260Determined
- Dwelling house; Alterations or additions to an existing building or structure5 TRADE WINDS AVENUE TERRIGAL 2260Determined
- Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation12 PARRY AVENUE TERRIGAL 2260Withdrawn
- Dwelling house; Alterations or additions to an existing building or structure33 VICARY ROAD TERRIGAL 2260Determined
February 2026
- Dwelling house; Alterations or additions to an existing building or structure160 HASTINGS ROAD TERRIGAL 2260Determined
- Dwelling house; Alterations or additions to an existing building or structure235 SCENIC HIGHWAY TERRIGAL 2260Determined
- Small bar; Food and drink premise; Hours of operation and trading74 TERRIGAL ESPLANADE TERRIGAL 2260Determined
- Commercial development; Advertising and signage30 15 KURRAWYBA AVENUE TERRIGAL 2260Under Assessment
- Dwelling house; Erection of a new structure; Residential Accommodation32 MILLER ROAD TERRIGAL 2260Determined
- Alterations or additions to an existing building or structure; Residential Accommodation260 SCENIC HIGHWAY TERRIGAL 2260Determined
- Dwelling house; Erection of a new structure; Earthworks, retaining walls and structural support3 ANCHORAGE CRESCENT TERRIGAL 2260Determined
January 2026
- Dwelling house; Alterations or additions to an existing building or structure; Residential Accommodation30 PAINTERS LANE TERRIGAL 2260Determined
- Demolition; Erection of a new structure; Dual occupancy (attached)71 TERRIGAL DRIVE TERRIGAL 2260Under Assessment
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)
Roadworks & transport
1 active roadworks / incidents
- Expect delays. Reduce your speed. Use an alternative route.Scenic Highway, Francis Road11 Aug 2026 – 24 Aug 2026
Data sources & freshness
- Road incidents & closures — State road authority open-data feeds · current · Updated
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
- Robertson
- Member of Parliament
- Gordon REID (Australian Labor Party)
- Results from
- 2025 federal election
- Electorate enrolment (2025)
- 114,922
- Turnout (2025)
- 92.5%
- Swing since 2022 (2025)
- +7.1 pp toward Labor
Two-party preferred (2025)
Coalition 40.6%Labor 59.4%
Estimated suburb voting profile
Estimated from 8 nearby ordinary polling places (up to 4.0 km away).
Coalition 45.4%Labor 54.6%
4.8 percentage points more Coalition-leaning than the electorate
Estimated swing since 2022: +8.6 pp toward Labor
Nearest polling places
- Terrigal WestLabor 52.7% · Coalition 47.3% TPP (2025)0.6 km away
- TerrigalLabor 61.3% · Coalition 38.7% TPP (2025)1.0 km away
- Terrigal LagoonLabor 51.8% · Coalition 48.2% TPP (2025)1.1 km away
- Terrigal SouthLabor 53.1% · Coalition 46.9% TPP (2025)1.6 km away
- Erina Heights (Robertson)Labor 53.8% · Coalition 46.2% TPP (2025)2.4 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)
- 10/10
- IRSD decile (2021)
- 9/10
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
Compare with
Similar suburbs to weigh up side by side — scores, safety, schools, and lifestyle.
More in Central Coast Council
Other suburbs in the same local government area.
Comparable suburbs
Similar population and socio-economic profile in other parts of New South Wales.