Morton vs Termeil

Morton is the younger of the two, with a median age of 45 against 53 in Termeil. In both, the large majority of households own their home and the large majority of homes are detached houses. In Morton, most households are couple families. In Termeil, about half of households are couple families. On these figures, Morton tends to suit families with children, while Termeil suits people living alone.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Morton

ahead on the one thing that separates them

  • is already more of a family suburb (73% vs 57%)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Morton

ahead on the one thing that separates them

  • leaves households under less mortgage stress (22% vs 31%)

Weighs mortgage stress.

Renters

Termeil

ahead on 2 of the 3 things we measure here

  • has cheaper rent ($250/wk vs $480/wk)
  • leaves renters under less rental stress (18% vs 31%)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Too close to call

Nothing among the 3 things we measure here separates them by enough to be worth acting on.

Weighs distance, drive time, and walkability.

Downsizers and retirees

Too close to call

Nothing among the 5 things we measure here separates them by enough to be worth acting on.

Weighs smaller dwellings, who already lives there, GPs, walkability, and crime.

Investors

Too close to call

Nothing among the 1 things we measure here separates them by enough to be worth acting on.

Weighs population growth.

Where they sit

Morton and Termeil drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Morton Termeil
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Morton Termeil
Walkability 0 / 5
Morton — Walkability: 0/100 Termeil — Walkability: 5/100
Safety 65 / 56
Morton — Safety: 65/100 Termeil — Safety: 56/100
Low fire risk 18 / 25
Morton — Low fire risk: 18/100 Termeil — Low fire risk: 25/100

Demographics

Morton rents higher ($480/wk vs $250/wk); Termeil skews older (53 vs 45).

Morton Termeil
Population 225 273
+21% vs other
Population trend (2016 → 2021) +3.7% +8.3%
Median age 45 53
Median household income $80,184/yr
+10% vs other
 $72,280/yr
Median weekly rent $480/wk
+48% vs other
 $250/wk

Age profile

Share of residents in each band, 2021 Census.

Morton Termeil
0-4 7.1% / 4.4%
Morton — 0-4: 7.1% Termeil — 0-4: 4.4%
5-14 14.2% / 9.2%
Morton — 5-14: 14.2% Termeil — 5-14: 9.2%
15-19 4.9% / 4.8%
Morton — 15-19: 4.9% Termeil — 15-19: 4.8%
20-24 3.1% / 5.5%
Morton — 20-24: 3.1% Termeil — 20-24: 5.5%
25-34 8.0% / 7.3%
Morton — 25-34: 8.0% Termeil — 25-34: 7.3%
35-44 11.6% / 8.1%
Morton — 35-44: 11.6% Termeil — 35-44: 8.1%
45-54 12.9% / 13.6%
Morton — 45-54: 12.9% Termeil — 45-54: 13.6%
55-64 20.9% / 25.6%
Morton — 55-64: 20.9% Termeil — 55-64: 25.6%
65-74 16.4% / 16.1%
Morton — 65-74: 16.4% Termeil — 65-74: 16.1%
75-84 — / 3.7%
Morton — 75-84: not among its largest Termeil — 75-84: 3.7%
85+ — / —
Morton — 85+: not among its largest Termeil — 85+: not among its largest

Bars are drawn against the largest share shown (25.6%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Morton Termeil
England 6.2% / 5.1%
Morton — England: 6.2% Termeil — England: 5.1%
New Zealand — / 1.1%
Morton — New Zealand: not among its largest Termeil — New Zealand: 1.1%

Bars are drawn against the largest share shown (6.2%).

Who lives together

Household composition, 2021 Census.

Morton 57.1% couple families
Morton — Couple Families: 57.1% Morton — Lone Person: 20.4% Morton — One Parent Families: 16.3% Morton — Other Families: 0.0% Morton — Group Household: 6.1%
Termeil 48.3% couple families
Termeil — Couple Families: 48.3% Termeil — Lone Person: 36.2% Termeil — One Parent Families: 8.6% Termeil — Other Families: 6.9% Termeil — Group Household: 0.0%
Couple Families Lone Person One Parent Families Other Families Group Household

What people live in

Occupied private dwellings by structure, 2021 Census.

Morton 97.2% houses
Morton — Houses: 97.2% Morton — Flats / Apartments: 2.8%
Termeil 94.9% houses
Termeil — Houses: 94.9% Termeil — Flats / Apartments: 5.1%
Houses Flats / Apartments

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Morton Termeil
Certificate III & IV 21.8% / 23.8%
Morton — Certificate III & IV: 21.8% Termeil — Certificate III & IV: 23.8%
Bachelor Degree 12.4% / 9.9%
Morton — Bachelor Degree: 12.4% Termeil — Bachelor Degree: 9.9%
Advanced Diploma / Diploma 6.2% / 8.4%
Morton — Advanced Diploma / Diploma: 6.2% Termeil — Advanced Diploma / Diploma: 8.4%
Postgraduate Degree 1.8% / 2.9%
Morton — Postgraduate Degree: 1.8% Termeil — Postgraduate Degree: 2.9%
Graduate Diploma / Certificate — / 2.9%
Morton — Graduate Diploma / Certificate: not among its largest Termeil — Graduate Diploma / Certificate: 2.9%

Bars are drawn against the largest share shown (23.8%).

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Morton 9.1% renting
Morton — Owned Outright: 56.1% Morton — Mortgage: 34.8% Morton — Renting: 9.1%
Termeil 4.8% renting
Termeil — Owned Outright: 60.2% Termeil — Mortgage: 34.9% Termeil — Renting: 4.8%
Owned outright Mortgage Renting

Property market

Morton Termeil
Median house price $1,850,000 —
Median unit price —
same for both
Median land price —
same for both

Zoning mix

Morton has more rural and farming land (99% vs 70%); Termeil has more land zoned for conservation (28% vs 1%).

Morton Termeil
Rural and farming 99% 70%
Environmental 1% 28%
Infrastructure and transport 0% 1%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Morton Termeil
New dwellings approved 854
across Shoalhaven
same for both
Approvals change year on year -10%
same for both

Ranking within NSW

Morton Termeil
House price Higher than 83% of NSW —
Income Higher than 47% of NSW Higher than 39% of NSW
Schools —
same for both
Walkability Higher than 32% of NSW Higher than 49% of NSW
Affordability Higher than 11% of NSW —
EV adoption Higher than 76% of NSW Higher than 71% of NSW
NBN connectivity Higher than 33% of NSW Higher than 62% of NSW

Liveability

Morton Termeil
Grade —
same for both
Score —
same for both
Socio-economic band mid-range socio-economic
decile 6/10
same for both

Risk profile

Morton Termeil
Bushfire High
82/100
 High
75/100
Crime Low
35/100
 Moderate
44/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
 Moderate
58/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
same for both

Schools

Morton Termeil
Inside the suburb 0
same for both
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0
same for both

Amenities in the suburb

Morton Termeil
Parks & reserves 0 1
Fuel stations 0 1
Waterways 16 10

Mobility

Morton Termeil
Walkability score 0/100 5/100
Distance to Sydney 244.8 km 245.1 km
Drive time (normal traffic) 210 min
same for both
Electric vehicle share 0.9%
postcode 2538
 0.7%
postcode 2539
Rooftop solar per 100 dwellings 68
postcode 2538
 44
postcode 2539

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Morton Termeil
Car (driver) 64.2% / 61.5%
Morton — Car (driver): 64.2% Termeil — Car (driver): 61.5%
Worked from Home 27.4% / 27.1%
Morton — Worked from Home: 27.4% Termeil — Worked from Home: 27.1%
Walked Only 3.2% / 11.5%
Morton — Walked Only: 3.2% Termeil — Walked Only: 11.5%
Car (passenger) 5.3% / —
Morton — Car (passenger): 5.3% Termeil — Car (passenger): not among its largest

Bars are drawn against the largest share shown (64.2%).

Setting

Morton Termeil
Elevation 130 m
above sea level, at the suburb centre
 47 m
above sea level, at the suburb centre
Distance to the ocean 9.3 km 3.5 km
3.7 km to a named beach

NBN connectivity

Morton Termeil
Connectivity score 23/100 30/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
76 premises
 0%
119 premises

Climate

Morton Termeil
Annual rainfall 1,302 mm
same for both
Summer max (Jan) 23.9°C
same for both
Winter min (Jul) 9.6°C
same for both

Council rates

Morton Termeil
Average residential rate $1,501/yr
same for both
Council Shoalhaven
same for both

Federal electorate

Morton Termeil
Division Gilmore
same for both
Member Fiona Phillips
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Morton Termeil
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Morton

Premium Rural

Termeil

Rural

More comparisons

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Morton vs Woodburn

Other comparisons with Termeil

Termeil vs Bawley Point Termeil vs Lake Tabourie Termeil vs Woodburn
Full data on Morton Full data on Termeil
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Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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