Speers Point vs Teralba

Teralba is the younger of the two, with a median age of 37 against 45 in Speers Point. In both, the large majority of households own their home and the large majority of homes are detached houses. In Teralba, about half of households are couple families. Houses cost more in Speers Point: a median of $1.31 million, against $1.05 million in Teralba, and rent is higher there too. On these figures, Speers Point tends to suit people living alone, while Teralba suits buyers on a tighter budget.

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

They split

one each way, out of the 6 things we measure here

  • Speers Point has more schools rated above their peers (1 vs 0)
  • Teralba is already more of a family suburb (65% vs 57%)

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

First-home buyers

Teralba

ahead on 3 of the 4 things we measure here

  • has cheaper units ($244,000 vs $900,000)
  • has cheaper land ($550,000 vs $930,000)
  • has cheaper houses ($1,050,000 vs $1,310,000)

Weighs house prices, unit prices, land prices, and mortgage stress.

Renters

Teralba

ahead on the one thing that separates them

  • has cheaper rent ($363/wk vs $393/wk)

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

Commuting to the city

Speers Point

ahead on 2 of the 3 things we measure here

  • is more walkable (51/100 vs 17/100)
  • has a shorter drive in (112 min vs 119 min)
  • But Teralba sits closer to the CBD (140.4 km vs 144.1 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Speers Point

ahead on the one thing that separates them

  • is more walkable (51/100 vs 17/100)

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

Investors

They split

one each way, out of the 2 things we measure here

  • Speers Point returns a higher gross yield on houses (4.0% vs 3.5%)
  • Teralba is growing faster (67.1% vs 2.6%)

Weighs house yield and population growth.

Where they sit

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

Speers Point Teralba
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.

Speers Point Teralba
Walkability 51 / 17
Speers Point — Walkability: 51/100 Teralba — Walkability: 17/100
Safety 28 / 21
Speers Point — Safety: 28/100 Teralba — Safety: 21/100
Low fire risk 70 / 30
Speers Point — Low fire risk: 70/100 Teralba — Low fire risk: 30/100

Demographics

Speers Point has more residents (3,400 vs 2,654); Speers Point skews older (45 vs 37).

Speers Point Teralba
Population 3,400
+22% vs other
 2,654
Population trend (2016 → 2021) +2.6% +67.1%
Median age 45 37
Median household income $91,832/yr $107,120/yr
+17% vs other
Median weekly rent $393/wk
+8% vs other
 $363/wk

Age profile

Share of residents in each band, 2021 Census.

Speers Point Teralba
0-4 5.2% / 8.1%
Speers Point — 0-4: 5.2% Teralba — 0-4: 8.1%
5-14 11.4% / 12.1%
Speers Point — 5-14: 11.4% Teralba — 5-14: 12.1%
15-19 5.9% / 5.2%
Speers Point — 15-19: 5.9% Teralba — 15-19: 5.2%
20-24 5.1% / 4.8%
Speers Point — 20-24: 5.1% Teralba — 20-24: 4.8%
25-34 9.1% / 16.0%
Speers Point — 25-34: 9.1% Teralba — 25-34: 16.0%
35-44 12.2% / 14.1%
Speers Point — 35-44: 12.2% Teralba — 35-44: 14.1%
45-54 14.1% / 10.8%
Speers Point — 45-54: 14.1% Teralba — 45-54: 10.8%
55-64 14.7% / 11.7%
Speers Point — 55-64: 14.7% Teralba — 55-64: 11.7%
65-74 12.9% / 8.5%
Speers Point — 65-74: 12.9% Teralba — 65-74: 8.5%
75-84 6.8% / 5.6%
Speers Point — 75-84: 6.8% Teralba — 75-84: 5.6%
85+ 2.7% / 3.8%
Speers Point — 85+: 2.7% Teralba — 85+: 3.8%

Bars are drawn against the largest share shown (16.0%).

Who lives together

Household composition, 2021 Census.

Speers Point 39.3% couple families
Speers Point — Couple Families: 39.3% Speers Point — Lone Person: 39.2% Speers Point — One Parent Families: 17.3% Speers Point — Group Household: 3.0% Speers Point — Other Families: 1.2%
Teralba 48.9% couple families
Teralba — Couple Families: 48.9% Teralba — Lone Person: 30.1% Teralba — One Parent Families: 16.1% Teralba — Group Household: 3.3% Teralba — Other Families: 1.7%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Speers Point 23.1% renting
Speers Point — Owned Outright: 40.1% Speers Point — Mortgage: 36.7% Speers Point — Renting: 23.1%
Teralba 22.7% renting
Teralba — Owned Outright: 27.8% Teralba — Mortgage: 49.5% Teralba — Renting: 22.7%
Owned outright Mortgage Renting

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.

Speers Point Teralba
England 2.6% / 2.7%
Speers Point — England: 2.6% Teralba — England: 2.7%
New Zealand 1.1% / 1.1%
Speers Point — New Zealand: 1.1% Teralba — New Zealand: 1.1%
India 1.3% / 0.7%
Speers Point — India: 1.3% Teralba — India: 0.7%
South Africa 0.9% / 0.4%
Speers Point — South Africa: 0.9% Teralba — South Africa: 0.4%
Germany 0.5% / 0.5%
Speers Point — Germany: 0.5% Teralba — Germany: 0.5%

Bars are drawn against the largest share shown (2.7%).

Qualifications

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

Speers Point Teralba
Certificate III & IV 17.3% / 20.5%
Speers Point — Certificate III & IV: 17.3% Teralba — Certificate III & IV: 20.5%
Bachelor Degree 13.6% / 9.3%
Speers Point — Bachelor Degree: 13.6% Teralba — Bachelor Degree: 9.3%
Advanced Diploma / Diploma 9.4% / 7.8%
Speers Point — Advanced Diploma / Diploma: 9.4% Teralba — Advanced Diploma / Diploma: 7.8%
Postgraduate Degree 4.2% / 2.4%
Speers Point — Postgraduate Degree: 4.2% Teralba — Postgraduate Degree: 2.4%
Graduate Diploma / Certificate 1.6% / 1.8%
Speers Point — Graduate Diploma / Certificate: 1.6% Teralba — Graduate Diploma / Certificate: 1.8%

Bars are drawn against the largest share shown (20.5%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Speers Point 80.4% houses
Speers Point — Houses: 80.4% Speers Point — Townhouses: 16.3% Speers Point — Flats / Apartments: 3.3%
Teralba 86.7% houses
Teralba — Houses: 86.7% Teralba — Townhouses: 7.1% Teralba — Flats / Apartments: 6.2%
Houses Townhouses Flats / Apartments

Property market

Speers Point Teralba
Median house price $1,310,000 $1,050,000
Median unit price $900,000 $244,000
Median land price $930,000 $550,000
Typical days to sell (houses) 30 days
from 23 sales
 23 days
from 24 sales

House price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Speers Point Teralba
3 bed $1.04M / $875K
Speers Point — 3 bed: $1.04M (17 sales) Teralba — 3 bed: $875K (18 sales)

17 vs 18 sales

4 bed $1.33M / $1.1M
Speers Point — 4 bed: $1.33M (7 sales) Teralba — 4 bed: $1.1M (24 sales)

7 vs 24 sales

Zoning mix

Teralba has more land zoned for conservation (57% vs 36%).

Speers Point Teralba
Environmental 36% 57%
Residential 44% 11%
Infrastructure and transport 4% 22%
Parks and recreation 14% 4%
Industrial 0% 3%
Commercial 2% 0%
Rural and farming 0% 2%
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

Speers Point Teralba
New dwellings approved 1,212
across Lake Macquarie
same for both
Approvals change year on year +2%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Speers Point Teralba
Houses 4.0%
$820/wk on $1.06M
 3.5%
$710/wk on $1.05M
Units —
same for both

Ranking within NSW

Speers Point Teralba
House price Higher than 63% of NSW Higher than 51% of NSW
Income Higher than 59% of NSW Higher than 73% of NSW
Schools —
same for both
Walkability Higher than 81% of NSW Higher than 68% of NSW
Affordability Higher than 44% of NSW Higher than 70% of NSW
EV adoption Higher than 79% of NSW
same for both
NBN connectivity Higher than 77% of NSW Higher than 86% of NSW
Rental yield (houses) Higher than 75% of NSW Higher than 46% of NSW

Liveability

Speers Point is more walkable (51 vs 17); Speers Point scores higher overall (46 vs 28).

Speers Point Teralba
Grade C D
Score 46/100 28/100
Socio-economic band advantaged area
decile 7/10
 mid-range socio-economic
decile 6/10

Risk profile

Teralba carries more bushfire risk (70 vs 30).

Speers Point Teralba
Bushfire Low
30/100
 High
70/100
Crime High
72/100
 High
79/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 4
within 5 km
 5
within 5 km

Schools

Speers Point Teralba
Inside the suburb 1
same for both
Rated above peers 1 0
Rated at peers 0 1
Rated below peers 0
same for both

Schools in Speers Point

  • Speers Point Public School Government · Primary above peers

Schools in Teralba

  • Teralba Public School Government · Primary at peers

Amenities in the suburb

Speers Point Teralba
Cafes & restaurants 3 1
Parks & reserves 3 2
Childcare 3 1
Pharmacies 1 0
Waterways 4 6

Mobility

Speers Point sits further from the CBD (144.1 km vs 140.4 km).

Speers Point Teralba
Walkability score 51/100 17/100
Distance to Sydney 144.1 km
+3% vs other
 140.4 km
Drive time (normal traffic) 112 min 119 min
Public transport score 74/100
Bus
 66/100
Rail · Bus
Peak arrivals per hour 51.0
7-9am + 5-7pm
 22.5
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
 1 min
scheduled, not actual
Electric vehicle share 0.9%
postcode 2284
same for both
Rooftop solar per 100 dwellings 53
postcode 2284
same for both

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.

Speers Point Teralba
Car (driver) 65.1% / 70.8%
Speers Point — Car (driver): 65.1% Teralba — Car (driver): 70.8%
Worked from Home 29.2% / 24.1%
Speers Point — Worked from Home: 29.2% Teralba — Worked from Home: 24.1%
Car (passenger) 3.4% / 3.5%
Speers Point — Car (passenger): 3.4% Teralba — Car (passenger): 3.5%
Bus 1.1% / 0.6%
Speers Point — Bus: 1.1% Teralba — Bus: 0.6%
Walked Only 0.7% / 0.5%
Speers Point — Walked Only: 0.7% Teralba — Walked Only: 0.5%
Train — / 0.6%
Speers Point — Train: not among its largest Teralba — Train: 0.6%

Bars are drawn against the largest share shown (70.8%).

Setting

Speers Point Teralba
Elevation 24 m
above sea level, at the suburb centre
 61 m
above sea level, at the suburb centre
Distance to the ocean 9.4 km 12.3 km

NBN connectivity

Speers Point Teralba
Connectivity score 70/100 76/100
Most common technology Fibre to the node Fibre to the premises
Full-fibre (FTTP) share 46%
1,724 premises
 56%
1,305 premises

Climate

Speers Point Teralba
Annual rainfall 1,025 mm
same for both
Summer max (Jan) 25.4°C
same for both
Winter min (Jul) 10.2°C
same for both

Air quality (annual mean)

Speers Point Teralba
PM2.5 6.1 µg/m³
same for both
PM10 16.5 µg/m³
same for both
NO₂ 0.53 pphm
same for both

Council rates

Speers Point Teralba
Average residential rate $1,708/yr
same for both
Council Lake Macquarie
same for both

Federal electorate

Speers Point Teralba
Division Shortland Hunter
Member Pat Conroy Dan Repacholi
Party Australian Labor Party
same for both

First Home Owner Grant

Speers Point Teralba
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Speers Point

River

Teralba

Acreage Trains

More comparisons

Other comparisons with Speers Point

Speers Point vs Warners Bay Speers Point vs Macquarie Hills Speers Point vs Boolaroo

Other comparisons with Teralba

Teralba vs Edgeworth Teralba vs Fennell Bay Teralba vs Barnsley Teralba vs Boolaroo Teralba vs Booragul Teralba vs Argenton
Full data on Speers Point Full data on Teralba
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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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