Terrigal NSW 2260
Terrigal is a suburb in New South Wales, 85 km from Sydney CBD, around 1 hour 20 minutes by car. Population is 12,730; the median age is 43 and the median household income is $106,912 per year. On socioeconomic measures it sits in the top 20% nationally. Population grew 12.2% from 2016 to 2021. The 2021 Census recorded a median rent of $520 per week and a median monthly mortgage of $2,492. Of 5 schools within the suburb boundary, 1 ranks above the state average, and walkability is moderate.
Is Terrigal a good suburb?
Terrigal scores a B (60/100) on SuburbScan's Liveability grade — strong on community.
Mixed results
5 schools · 1 above peer schools
Some car dependence
Walkability 59/100 · 85.1 km · 79 min drive to Sydney
Around the state median
Median $1.6M · Pricier than 77% of NSW
Moderate crime risk
Fire 17/100 · Crime 55/100
Very advantaged
SEIFA decile 10/10 · median age 43 · 12,730 residents
Liveability Rating
60 / 100 · Ranked #520 in NSWEach bar is Terrigal's rank among NSW suburbs, from 0 to 100 (higher is better).
No flood data is published for New South Wales — a blank here means we hold no data, not that there is no risk.
How do you rate the liveability in Terrigal?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
60 / 100
From schools, safety and socio-economic data — not opinion.
Residents say
…
Median House Price
Public listings dataTerrigal's house market is moving lower: the median sale price reached $1.6 million, 0.6% below where it sat a year earlier.
Houses
$1,600,000
3% above its 5 neighbours (median $1,550,000)
Based on 248 recorded sales in the last 24 months.
Typically sold in 33 days — median across 167 sales that recorded a listing period
By bedrooms
- 2 bed 15 sales $1.31M
- 3 bed 58 sales $1.33M
- 4 bed 109 sales $1.62M
- 5 bed 40 sales $1.77M
- 6 bed 16 sales $1.83M
Units
$1,220,000
Based on 75 recorded sales in the last 24 months.
Typically sold in 39 days — median across 43 sales that recorded a listing period
By bedrooms
- 2 bed 32 sales $1.09M
- 3 bed 34 sales $1.65M
Currently for Sale
Last 6 monthsHouses in Terrigal are currently listed at around $1.42 million on average, with the typical listing on the market for 1 days. Based on 39 houses listed in the past six months.
Houses
$1.42M
39 houses listed in the last 6 months — typical time on market 1 days.
Units
$1.39M
8 units listed in the last 6 months.
47 of the suburb's 4,707 dwellings (1.0%) were listed for sale in the last 6 months.
Rental Market
Advertised rents · last 6 monthsHouses in Terrigal rent for around $950 a week on average, based on 36 houses listed for rent in the past six months.
Houses
$950/wk
6% above its 4 neighbours (median $898/wk)
36 houses advertised for rent in the last 6 months.
Units
$765/wk
22 units advertised for rent in the last 6 months.
58 rentals advertised against an estimated 1,153 rented homes (5.0%) in the last 6 months.
Rent agreed on new leases
Jul–Sep 2026- 3-bed houses
- $850/wk
- 43 bonds
- +27% since 2021
- 2-bed units
- $650/wk
- 23 bonds
- +38% since 2021
Median weekly rent on bonds lodged for new tenancies across postcode 2260 (NSW publishes bonds by postcode, which can cover several suburbs). Change since 2021 compares the median of the first four quarters with the last four. Asking rents above come from advertised listings.
Rental affordability
June quarter 202596 Unaffordable · the average rental household in this region would pay about 31% of its income on the median rent in postcode 2260.
SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.
Gross rental yield
Indicative$950/week ($49,000 a year) on a $1.42 million median
$765/week ($40,000 a year) on a $1.39 million median
Gross yield — before strata, rates, management, insurance and vacancy. Calculated from median advertised rents and median asking prices over the last 6 months. How we calculate.
Is Terrigal safe? Crime statistics
2025Crime in Terrigal sits in the moderate band, with 468 incidents recorded in 2025 — down about 1% on the prior year.
468 offences
1.1% since 2024Crime Trend
Serious Road Crashes
2021–202527 crashes
where someone was killed or admitted to hospital
Where they happened
Crashes are counted where they happened, so a main road through the suburb carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.
Council Flood Studies
Central Coast Council has published 31 flood studies on the NSW Flood Data Portal. The mapped flood areas are in those studies; SuburbScan does not hold them.
Coastal Erosion
Shoreline Change Summary
1988–2025Nearest Eroding Coastline
- Distance
- 1.6 km
- Rate
- -0.33 m/yr
- Net Movement
- -27.7 m
- Certainty
- good
Data Quality
Schools
Five schools serve Terrigal, and results are mixed — some outperforming peer-suburb schools, some below. Our Lady Star of The Sea Catholic Primary School leads the pack.
- • 2,462 students across 4 schools (avg 616)
- • Sectors: 2 Independent, 2 Government, 1 Catholic
- • ICSEA 1030-1102, median 1061 (above the national baseline of 1000)
- • Largest: Terrigal Public School (888 students)
Primary
Secondary
Combined
Walkability
Terrigal is somewhat walkable on foot — at 59/100, a short cluster of errands work on foot but most trips still benefit from a car.
Public transport
Weekday and weekend service frequency across every stop inside Terrigal.
- Peak (7-9am + 5-7pm)
- 137.2 arrivals/hr
- Off-peak weekday
- 88.3 arrivals/hr
- Saturday
- 68.2 arrivals/hr
- Median peak wait
- 0 min
- Span of service
- 18.4 hours
Scheduled service only, based on the 21 October 2026 timetable. Reliability (delays, cancellations) not measured.
NBN connectivity
The internet access technology available across NBN premises in Terrigal.
- Full-fibre (FTTP) share
- 31%
- Premises covered
- 6,257
NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.
Amenities
Central Coast (NSW): council population
The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb's own population is in the census section above.
Socio-economic profile
The ABS scores 30 small areas inside this suburb and averages them into the single decile above. They fall into 6 different deciles — a wide range, so parts of this suburb rank well above the average and parts well below it.
Terrigal is home to about 12,700 residents, with a median age of 43, a touch above the national 38. Median household income runs at $107,000 a year, with unemployment at 3.2%.
2021 Census · change since 2016
Population
12,730
Median Age
43
Median Household Income
$106,912/yr
Census Median Rent
$520/wk
Census Median Mortgage
$2,492/mo
Avg Household Size
2.6
Median Personal Income
$47,112/yr
Unemployment Rate
3.2%
Unoccupied Dwellings
16.0%
Total Dwellings
4,707
Owner-Occupier Rate
75.5%
Houses
71.0%
Rental Stress
25.3%
Mortgage Stress
28.0%
Work From Home
40.4%
Dwelling Types
Property Ownership
21 rented from a state or territory housing authority and 5 from a community housing provider, as a share of the 1,132 rented dwellings above — not of all dwellings.
Demographics
- Born in Australia
- 74.4%
- English Spoken at Home
- 87.6%
- Employment Rate
- 58.1%
- Completed Year 12
- 47.7%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
When They Arrived
Share of all residents by the year they arrived in Australia. Periods cover different numbers of years, so compare the shape rather than the bar widths.
328 residents (2.6%) arrived since 2016. Australia’s borders were closed to most arrivals from March 2020, so the last two years of that period are much smaller than the ones before them — nationally 260,799 people arrived in 2019 against 28,521 in 2021.
Where New Residents Came From
Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.
11.1% of residents (1,348) lived in a capital city five years earlier, most of them in Sydney (1,203).
Top places newcomers came from, as a share of the 12,100 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.
Languages Spoken at Home
Top languages other than English, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
6% of employed residents work in a capital's city centre (345 of 6,064).
City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.
Local Jobs
People who work in this suburb against employed people who live here, 2021 Census.
About 2,984 people work here; 6,064 employed residents live here.
Mostly a place people commute from: 0.5 jobs per working resident. At least 50% of employed residents must work outside the suburb.
Counts are by place of work and place of usual residence. The ABS counts jobs in zones; where a zone spans several places, its jobs are shared out by land use. The ABS also adjusts every figure slightly to protect privacy.
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $1,409 a year through Central Coast (NSW) based on 2024 figures.
How this land is zoned
- Residential 43%
- Environmental 39%
- Parks and recreation 13%
- Infrastructure and transport 4%
- Zones under 1% 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 — the property page shows the zone for one address.
Building Approvals: Central Coast (NSW)
In the year to August 2026, 1,441 new dwellings were approved across Central Coast (NSW). That mix is 924 houses and 517 units. Approvals are up 66.7% on the same period a year earlier.
Aboriginal Land Council
Aboriginal land in this area is administered by the Darkinjung Local Aboriginal Land Council.
Local Aboriginal Land Councils are statutory bodies under the Aboriginal Land Rights Act 1983, responsible for land claims and land management for their members. Their boundaries are administrative and are not a statement of whose Country this is. NSW does not publish a register of Aboriginal parties by area — they are registered for each project.
Air Quality
MODERATEPM2.5 averaged 5.1 µg/m³ in 2025 — below Australia's NEPM annual standard (8 µg/m³), slightly above the stricter WHO guideline (5 µg/m³). 1 day exceeded the daily threshold of 25 µg/m³.
PM10 averaged 14.8 µg/m³ · NO₂ averaged 0.36 pphm. Days over the limit in 2025: PM10 1 · NO₂ 0 · ozone 0.
From the Wyong monitoring station, 18.3 km away.
Climate & Setting
from Norah Head AWS, 22.8 kmHigh rainfall — warm summers, mild winters.
- Elevation
- 14 m
- above sea level, at the suburb centre
- Distance to the ocean
- 1.6 km
- 1.6 km to a named beach
- Annual rainfall
- 1,272 mm
- 104 rainy days
- Summer max (Jan)
- 26.4°C
- 3 days ≥ 35°C
- Winter min (Jul)
- 10.6°C
- 0 frost days ≤ 0°C
Elevation is the ground at the suburb centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.
Industrial Emissions Nearby
2 facilities within 5 km- 4.1 kmWaste Treatment and Disposal ServicesTop reported: Carbon monoxide · Oxides of Nitrogen · Total Volatile Organic Compounds
- 4.3 kmOther Electricity GenerationTop reported: Carbon monoxide · Oxides of Nitrogen · Sulfur dioxide
EV adoption
In postcode 2260, 282 of 19,459 registered light vehicles are battery-electric on 31 January 2025. A further 3.6% (696 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 5.0%.
Rooftop solar
In postcode 2260, 3,892 rooftop-solar systems totalling 28.4 MW have been installed since 2001, against 10,512 dwellings recorded in the 2021 Census. 283 went up in the last year.
Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.
2026 covers part of the year only, to 2026-07.
First Home Owner Grant
FY2026-27$10,000 for new homes priced up to $600,000.
Off-the-plan or contracted-build value cap is $750,000 (vs $600,000 for completed new homes). Stamp duty concessions are a separate scheme (First Home Buyers Assistance).
Mortgage repayments
10 mortgage brokers are registered in this suburb, 14 across postcode 2260.
Transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with Revenue NSW
The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $600,000 may qualify for $10,000 — see what qualifies with Revenue NSW.
At $1,600,000 this is $1,000,000 above the $600,000 First Home Owner Grant cap. A first home buyer may qualify for $10,000 on a newly built home — check eligibility with Revenue NSW.
A deposit under 20% usually attracts Lenders Mortgage Insurance, which this doesn't include.
Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-27 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.
Federal Electorate
Currently held by Gordon Reid Australian Labor Party
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Gordon Reid | 59.4% | 40.6% | +7.1 |
| 2022 | Gordon Reid | 52.3% | 47.7% | -6.5 |
| 2019 | Lucy Wicks | 45.8% | 54.2% | +3.1 |
Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact suburb's voters across time.
State Electorate
Currently held by Adam Crouch Liberal
Next state election: 13 March 2027.
| Year | Winner | Won with |
|---|---|---|
| 2023 | Adam Crouch LP | 51.2% |
| 2019 | Adam Crouch LP | 62.3% |
| 2015 | Adam Crouch LP | 59.0% |
Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this suburb's voters. Results: © State of New South Wales through the NSW Electoral Commission, CC BY 4.0, adapted.
Looking at a specific address in Terrigal?
Every figure above is a suburb average, and an average smooths over the difference between a street of family homes and a block of flats. Look up one address and you get the census for the few hundred people around it, its own nearest schools and stops, and what the state has mapped for that block.
- The census for a few hundred neighbours, not all 12,730 residents
- Nearest and zoned schools, with the walk from that door
- Flood, bushfire and noise mapping, where the state publishes it
Free to look up. Subscribers see every section in full — $29/month.
Featured in
- #1 in Central Coast suburbs with the fastest EV adoption growth
- #1 in Central Coast suburbs with the highest EV adoption today
- #1 in Best Central Coast suburbs for good private primary schools
- #1 in Best Central Coast suburbs for good private high schools
- #2 in Central Coast suburbs that added the most residents, 2016-2021
- #2 in Central Coast suburbs where the most Italian is spoken at home
- #3 in Highest-yielding Central Coast suburbs (units)
- #3 in Central Coast suburbs where 2-bedroom unit rents rose most
- #4 in Central Coast suburbs with the most rooftop solar
- #6 in Central Coast suburbs with the most apartments
- #6 in Best Central Coast suburbs for first-home buyers (units)
- #6 in Central Coast's most educated suburbs
- #7 in Central Coast suburbs where 3-bedroom house rents rose most
- #8 in Sportiest Central Coast suburbs
- #9 in Central Coast suburbs that grew fastest, 2016-2021
- #9 in The most liveable suburbs in Central Coast
- #10 in Central Coast suburbs with the most parkland nearby
- #10 in Central Coast's highest-income suburbs
- #10 in Central Coast suburbs where the most Mandarin is spoken at home
- #11 in Central Coast suburbs where the most homes are owned outright
- #12 in The best beachside suburbs in Central Coast
- #12 in Central Coast suburbs that suit young professionals
- #14 in Where the Indian community lives in Central Coast
Nearby suburbs
Wamberal NSW 2260
Green Point NSW 2251
Erina NSW 2250
Avoca Beach NSW 2251
North Avoca NSW 2260
Erina Heights NSW 2260
Compare Terrigal to another suburb
Side-by-side stats for any other NSW suburb — type a name and pick one.
Or jump straight to a nearby comparison:
Common questions about Terrigal
Is Terrigal a safe place to live?
Recorded crime in Terrigal is moderate (55/100, ranked against other NSW suburbs on offences per resident).
What natural hazards affect Terrigal?
Terrigal has a low recorded bushfire history (17/100, ranked against every Australian suburb with any fire history). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.
Is Terrigal a good place to live?
Terrigal has a SuburbScan Liveability grade of B (60/100), ranked against other NSW suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.
What is the population of Terrigal?
Terrigal, NSW had a population of 12,730 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Terrigal, NSW?
The postcode for Terrigal, NSW is 2260.
How far is Terrigal from Sydney?
Terrigal is 85 km from Sydney CBD by road, about 79 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Terrigal?
At the 2021 ABS Census, median household income in Terrigal was $106,912 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.
What is the median weekly rent in Terrigal?
The median advertised rent in Terrigal is $950 a week for houses (36 listings) and $765 a week for units (22 listings), from rental listings over the last six months.
What is the median age in Terrigal?
The median age of residents in Terrigal was 43 at the 2021 ABS Census.
Is Terrigal at risk of bushfire?
Terrigal has a low recorded bushfire history (17/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the suburb relative to its size, ranked against every Australian suburb with any fire history. It records where fire has burned, not a bushfire-prone land designation, which your council's planning scheme sets.
How are the schools in Terrigal?
There are 5 schools inside the Terrigal boundary: 1 above, 1 at, and 2 below similar schools on NAPLAN, compared with same-state, same-type schools of similar socio-educational advantage (ICSEA).
Is Terrigal walkable?
Terrigal scores 59/100 on the SuburbScan Walkability Score, making it somewhat walkable. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.
What is the air quality in Terrigal?
The nearest government air-quality monitoring station to Terrigal (Wyong) recorded a 2025 annual mean PM2.5 of 5.1 µg/m³ and PM10 of 14.8 µg/m³. That puts Terrigal below the Australian NEPM annual standard of 8 µg/m³ but above the stricter WHO guideline of 5 µg/m³.
What is the weather like in Terrigal?
At the nearest Bureau of Meteorology station to Terrigal, Norah Head AWS (22.8 km away), summer days average 26.4°C, winter nights 10.6°C, 1,272 mm of rain a year over 104 rainy days, and 3 days a year above 35°C over 2006-2026.
Is the First Home Owner Grant available in Terrigal?
First-home buyers in NSW may be eligible for $10,000 towards new homes with a purchase price up to $600,000. The grant is administered by Revenue NSW; confirm current eligibility before signing a contract — state rules and amounts can change.
What council does Terrigal belong to?
Terrigal sits within the Central Coast (NSW) local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Terrigal?
The average residential rates bill through Central Coast (NSW) is $1,409 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Terrigal?
Across Central Coast (NSW), 1,441 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 66.7% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.
Which federal electorate is Terrigal in?
Terrigal sits within the federal Division of Robertson, currently held by Gordon Reid (Australian Labor Party).
Search another suburb or address
Data freshness
- Census · 2021
- Median sale prices · Oct 2026
- For-sale & rental market · Oct 2026
- Council rates · FY 2024–25
- Building approvals · Aug 2026
- Schools · 2025
- Public transport · Oct 2026
- NBN connectivity · Dec 2025
- Crime · 2025
- Road crashes · 2021–2025
- Air quality · 2025
- Climate · 2006–2026
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- State electorate · 2023
- Amenities · Sep 2026
- Health & emergency facilities · Sep 2026
- Industrial emissions (NPI) · 2024/2025
- Coastal erosion · 1988–2025
- Aircraft noise · 2024
Vintages show when each source's data is from. See all data sources.
Was the information on this page useful to you?
Thanks! Anything we could improve?
We hate spam as much as you do — we'll never use your email for marketing, and we might not be able to reply to everyone.
Thanks for your feedback! 🙏
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.