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Terrigal, NSW, Beach with people, seen from a railing

Beach with people, seen from a railing

MrActiniuM · CC BY-SA 4.0

The quick read on

Terrigal

NSW 2260 · Central Coast (NSW)

What homes cost, how rents have moved, and a feel for the people who call it home.

Median house
$1,590,000

latest suburb median

Median unit
$1,200,000

latest suburb median

Population
12,730

ABS 2021

Postcode
2260

Terrigal, New South Wales

Property market insights for Terrigal

Median sale price and rental income of properties in Terrigal NSW

Median price trend for houses

Based on 180 sales in the preceding 12 months

$1,590,000

Up 0.2% over 12 months

$1.8m$1.6m$1.4m20212023202420252026
2 bed
$1.28m
3 bed
$1.32m
4 bed
$1.6m
5+ bed
$1.7m

Median rent trend for houses

Based on 172 rental listings in the preceding 12 months

$900 per week

Up 12.5% over 12 months

$900$800$700$60020212023202420252026

Market data updated October 2026.

The median house price in Terrigal, NSW is currently $1,590,000, based on the latest 12 months of sales. Terrigal has a 12-month growth rate of 0.2% for houses and 8.3% for units.

Two-bedroom houses have a median sale price of $1,280,000, Three-bedroom houses have a median sale price of $1,320,000, Four-bedroom houses have a median sale price of $1,600,000, Larger houses have a median sale price of $1,700,000 in Terrigal.

If you're looking to lease, the median rent for houses in Terrigal is $900 per week. The median house rent has increased 12.5% over the last 12 months.

The median price of apartments and units for sale in Terrigal is $1,200,000, which has increased 8.3% since the same time last year. One-bedroom apartments and units have a median sale price of $935,000, Two-bedroom apartments and units have a median sale price of $940,000, Three-bedroom apartments and units have a median sale price of $1,220,000, Four-bedroom apartments and units have a median sale price of $1,780,000 in Terrigal. The median rent for units and apartments in Terrigal is $725 per week and has increased 3.6% over the last 12 months.

Crime and safety

Is Terrigal safe?

The overall rate for Terrigal is 1,076 offences per 100,000 residents — 69% below the Greater Sydney benchmark.

That is the clearest suburb-wide answer. Open the detailed profile to see how the pattern changes across offence types and different parts of Terrigal.

Overall crime rate

1,076

offences per 100,000 residents

69% belowGreater Sydney

TerrigalGreater Sydney: 3,437

Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.

The people behind the postcode

Who lives in Terrigal?

Terrigal NSW 2260 is in New South Wales, within Greater Sydney.

12,730 people call Terrigal home, with an average of 2.6 people per household and a median household income of $2,056 a week.

Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.

Population
12,730
Median age
43 years
Median mortgage
$2,492 / month
2021 household rent
$520 / week
Above the benchmarkBelow the benchmarkIn lineGreater Sydney benchmark

Age profile

Share of residents in each age band.

Under 1517.9%Below
15–3421.3%Below
35–5426.2%Below
55–7425.6%Above
75 and over8.9%Above

Homes

Share of occupied private dwellings.

Separate houses71.0%Above
Townhouses7.3%Below
Apartments21.5%Below

Ownership

Share of homes with a stated ownership or rental status.

Owned outright39.9%Above
Paying a mortgage35.6%Above
Renting24.5%Below

Cars at home

Vehicles available to occupied households.

No car3.6%Below
One car33.0%Below
Two cars42.7%Above
Three or more20.8%Above

Getting to work

Selected ways residents worked or travelled on Census day.

Worked from home33.4%Below
Drove to work44.3%Above
Train, tram or bus0.6%Below
Walked or cycled1.5%Below

What stands out in Terrigal

33.4% of workers in Terrigal worked from home on Census day — less common than across Greater Sydney.

7.0% of Terrigal residents were born in England, about twice the rate across Greater Sydney.

39.4% of people in Terrigal described themselves as having no religion in the 2021 Census.

A closer look at the Census

Questions people ask about Terrigal

Open any question for a plain-English reading of the public 2021 Census for Terrigal NSW 2260.

Is Terrigal family-friendly?Age, family structure and household size describe the community families would be joining.

17.9% of Terrigal's residents were children under 15 in the 2021 Census. That is close to the Greater Sydney average.

3,601 family households lived in Terrigal; 43.0% were couple families and 14.4% were one-parent families.

35.4% of local families included children under 15. That is somewhat below the Greater Sydney average.

These are suburb-wide household figures, not school or childcare ratings.

What is the age profile of Terrigal?The balance between younger adults, families and older residents changes how a suburb feels day to day.

Terrigal had 12,730 residents at the 2021 Census.

22.1% of residents were aged 25 to 44.

34.6% were 55 or older. That is well above the Greater Sydney average.

Age shares use the suburb’s total Census population.

What kind of homes are in Terrigal?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.

Separate houses made up 71.0% of occupied private dwellings in Terrigal.

Townhouses and other attached homes represented 7.3% of occupied private dwellings.

Flats and apartments accounted for 21.5% of occupied private dwellings.

All three shares use occupied private dwellings as the denominator.

Do people own or rent in Terrigal?Tenure shows how many households own outright, have a mortgage or rent.

39.9% of households with a stated tenure owned their home outright. That is well above the Greater Sydney average.

35.6% were buying their home with a mortgage.

24.5% rented their home. That is well below the Greater Sydney average.

Tenure shares include households that stated one of these three arrangements.

How large are households in Terrigal?Household-size data shows the mix behind the suburb-wide average.

The average household in Terrigal had 2.6 people.

One-person households made up 22.3% of occupied homes. That is close to the Greater Sydney average.

Two-person households represented 35.7%, while 25.7% had four or more usual residents.

Household size counts usual residents in occupied homes.

How do people get to work in Terrigal?Census-day travel shows the balance between home, road, public transport and active travel.

33.4% of workers worked from home on Census day. That is somewhat below the Greater Sydney average.

44.3% drove a car as their only travel method. That is well above the Greater Sydney average.

0.6% used only a train, tram or bus, while 1.5% walked or cycled.

Travel figures are a 2021 Census-day snapshot.

How many cars do households have in Terrigal?Vehicle availability helps describe the routines local households can support.

3.6% of occupied households had no motor vehicle available. That is about half the Greater Sydney rate.

One-car households formed 33.0% of the total.

63.4% of households had two or more vehicles.

Vehicle counts refer to occupied households, not individual residents.

Who's moving to Terrigal, and who stays?Address history shows how settled or recently mobile residents were at the Census date.

54.3% were at the same address five years earlier, while 45.7% reported a different address.

21.2% of residents were born outside Australia. That is about half the Greater Sydney rate.

Mobility figures cover residents who answered the relevant Census question.

What languages are spoken in Terrigal?Language at home gives a direct view of the community’s everyday linguistic mix.

87.6% of residents used only English at home.

7.7% used a language other than English at home.

0.7% spoke Mandarin at home, 0.3% spoke Cantonese and 0.2% spoke Hindi.

Home language is separate from English proficiency.

Where were Terrigal residents born?Birthplace adds another layer to the local story, separate from ancestry and language.

21.2% of Terrigal's population was born outside Australia, while roughly 78.8% was born in Australia.

0.7% of residents were born in China.

0.5% were born in India, while Australian citizenship across the whole suburb stood at 88.8%.

Birthplace, citizenship and ancestry describe different parts of identity.

What ancestries shape Terrigal?Ancestry responses show how residents describe family and cultural background.

English ancestry accounted for 44.4% of ancestry responses in Terrigal.

Australian ancestry made up 35.5% of responses.

Chinese ancestry represented 1.8% of responses.

People may nominate more than one ancestry, so these are shares of responses.

What work do people do in Terrigal?Occupation describes a person’s role; industry describes the sector employing them.

28.8% of employed residents worked in professional occupations. That is almost exactly typical for Greater Sydney.

Managers accounted for 16.9% of employed residents, while clerical and administrative workers made up 13.1%.

Health care and social assistance employed 18.0% of workers, and education and training employed 10.2%.

Occupation and industry figures describe employed residents of the suburb.

How active is the workforce in Terrigal?Participation, employment pattern and unemployment describe the resident labour force.

The labour-force participation rate was 60.0%, compared with 60.0% across Greater Sydney.

31.1% of residents aged 15 and over worked full time, while 20.1% worked part time.

Unemployment was 3.2%, compared with 5.1% across Greater Sydney.

Labour-force figures come from the 2021 Census.

What does the health profile of Terrigal show?Selected long-term health conditions help describe community service needs.

62.0% reported no selected long-term health condition.

7.1% reported a long-term mental health condition, including depression or anxiety.

7.5% reported asthma, 8.7% arthritis and 3.4% diabetes excluding gestational diabetes.

These are self-reported suburb-wide Census figures, not address-level health risks.

How educated is Terrigal?Qualifications describe the study pathways represented among local residents.

29.6% of people in the qualifications table held a bachelor degree. That is somewhat below the Greater Sydney average.

Postgraduate degrees accounted for 8.8% of qualification responses.

Diploma-level qualifications represented 17.9%, while certificate-level qualifications represented 28.9%.

Qualification categories are reported separately and are not school ratings.

What do incomes and housing costs look like in Terrigal?Census income and household payments give historical context for local living costs.

Median household income was $2,056 per week in the 2021 Census.

The median monthly mortgage repayment reported by local households was $2,492.

Occupied renting households reported a median rent of $520 per week.

These household figures are from 2021; current sale and asking-rent medians appear in the market section.

How does Terrigal compare with Greater Sydney?A few clear differences place the suburb in its wider metropolitan context.

Working from home was 33.4% in Terrigal, compared with 38.9% across Greater Sydney.

Outright ownership was 39.9% locally and 28.6% across Greater Sydney. That is well above the Greater Sydney average.

Renting accounted for 24.5% in Terrigal, against 37.1% across Greater Sydney.

Capital-region comparisons use the same Census definitions and year.

Three useful questions

A buyer’s quick guide to Terrigal

Is Terrigal expensive?

The median house price is $1,590,000, while units and apartments sit at $1,200,000. Bedroom count, land and condition still create a wide range around those suburb medians.

Is Terrigal good for families?

The Census counted 3,601 local families, and 17.9% of residents were under 15. That describes the community; school quality, travel times and the right fit for a particular family need separate research.

What can I get for $1.5m in Terrigal?

4-bedroom houses have a median around $1,600,000, the closest bedroom benchmark we hold to a $1.5m budget. Individual homes can differ substantially with block size, renovation and location.

Medians describe recorded market activity across the suburb; they are historical context, not a valuation or forecast for an individual home.

Explore the area

Streets and suburbs around Terrigal

165 streets in Terrigal

Street-by-street reports are not published yet. The streets below are the ones this suburb covers.

  • Alanna St
  • Alexander Cl
  • Anchorage Cr
  • Anniversary Ave
  • Arnold Cr
  • Ashley Ave
  • Ash St
  • Aspen Ave
  • Auld St
  • Avon Cl
  • Banbury Cl
  • Barnhill Rd
  • Barrington Rd
  • Beaufort Rd
  • Belar Ave
  • Bellbird Ave
  • Bellevue Cr
  • Beverley Cr
Show all 165 streets
  • Blaxland Ct
  • Blue View Cr
  • Boomerang Rd
  • Borrowdale Ct
  • Bridget
  • Bridgewater Pl
  • Brooks Hill Ln
  • Brunswick Rd
  • Bungendore Road
  • Cadell St
  • Campbell Cr
  • Canterbury Cl
  • Captain Arthur Phillip Dr
  • Casino St
  • Chantell Ave
  • Charles Kay Dr
  • Charlotte Cl
  • Cheltenham Cl
  • Cheryl Ave
  • Cheshire Cl
  • Church St
  • Coast Rd
  • Cornwall Cl
  • Cotswolds Cl
  • Cottee Cr
  • Crestside Cl
  • Dale Cl
  • Denison Cl
  • Dewrang Rd
  • Dorchester Ct
  • Duffys Rd
  • Eggeling St
  • Elva Cr
  • Ena St
  • Fairway Dr
  • Farrand Cr
  • Fishburn Ct
  • Flakelar Cr
  • Florida Road
  • Friendship Ct
  • Glen Eagles Cr
  • Glen View Cr
  • Golden Grove Cct
  • Grasslands Ave
  • Grosvenor Rd
  • Hampton Cl
  • Hastings Rd
  • Havenview Rd
  • Helena Pde
  • Henley Ave
  • Hillcrest St
  • Holmes Rd
  • Hudson Ln
  • Hunter Cr
  • Imelda Ln
  • Irving Cl
  • Jessie Hurley Dr
  • John Gray Cl
  • Junction Rd
  • Kale St
  • Karalta Rd
  • Karla Ave
  • Kings Ave
  • Kurrawyba Ave
  • Lady Penrhyn Ct
  • Lindford Pl
  • Lisa Ave
  • Lorikeet St
  • Maralinga Rd
  • Maree Ave
  • Marlborough Cl
  • Marlin Pl
  • Maroomba Rd
  • Mayfair Cl
  • Michaela Rd
  • Miller Rd
  • Mittara Rd
  • Mobbs Rd
  • Newlands Ave
  • Norwich Cl
  • Nottingham Cl
  • Ogilvie St
  • Owen Cl
  • Painters Ln
  • Parry Ave
  • Pembroke Ct
  • Picketts Valley Road
  • Pine Tree Ln
  • Port Jackson Rd
  • Prince Of Wales Court
  • Quarang Rd
  • Raymond Tce
  • Reginald Dr
  • Richmond Dr
  • Ridgeview Cl
  • Riviera Ave
  • Robertson Ct
  • Roland Cl
  • Sacha Tce
  • Sainsbury Cl
  • Salisbury Dr
  • Sanders Cl
  • Sandra Pl
  • Sandringham Cl
  • Scarborough Ct
  • Scenic Hwy
  • Selma Cl
  • Serpentine Rd
  • Sheffield Dr
  • Shem Cl
  • Smillie Ave
  • Sonny Cr
  • Sotherby Ave
  • Stratford Park Dr
  • Stringybark Cl
  • Summit Rd
  • Sumner Cct
  • Sumner Way
  • Sundale Ave
  • Sunrise Ave
  • Supply Ct
  • Swindon Cct
  • Table Top Rd
  • Talgai Cl
  • Terrigal Dr
  • Terrigal Esp
  • The Entrance Road
  • Tiarri Cr
  • Tilanbi Cl
  • Timber Cutter Ave
  • Trade Winds Ave
  • Trevally Cl
  • Vicary Road
  • Watership Downs Cl
  • Webster Ave
  • Weemala Cr
  • Wellesbourne Ave
  • Whiting Ave
  • Willoughby Rd
  • Wilson Rd
  • Windemere Dr
  • Woodland Rd
  • Woolunga Ave
  • Wycombe Rd
  • Yarang Cl
  • Yellow Book Cl
  • Yeramba Cr

Keep exploring

Is Terrigal right for your search?

Use the finders to compare places and properties, or open the full report when you need the street, risk, schools and growth research.

Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.