Suburb comparison
Terrigal vs Umina Beach: which Sydney suburb suits you?
The key differences: Umina Beach is $175/wk cheaper per week to rent; Umina Beach has more schools within the postcode. The table below covers all available metrics.
Last refreshed May 2026 (most cards). Per-card sources show exact dates.
Central Coast
Terrigal
2260
Central Coast
Umina Beach
2257
Side-by-side comparison
| Metric | Terrigal | Umina Beach |
|---|---|---|
SAFETYSafety Even (1 each) | ||
| Sub-grade | C(0) | C+▲(0) |
| Flood zone coverage | — | — |
| Bushfire zone coverage | 63.3%▲ | 72.0% |
FAMILYFamily Terrigal leads on 2 of 3 | ||
| Sub-grade | B▲(0) | C+(0) |
| SEIFA advantage decile | 10/10▲ | 4/10 |
| Schools in postcode | 4 | 5▲ |
FINANCEFinance | ||
| Sub-grade | insufficient | insufficient |
| Median house price | — | — |
| Median unit price | — | — |
| Median weekly rent | $760/wk | $585/wk |
| Annual price growth | — | — |
LIFESTYLELifestyle Terrigal leads on 2 of 2 | ||
| Sub-grade | C-▲(0) | D(-1) |
| Walkability percentile | 18▲ | 6 |
Median prices show levels, not better-or-worse for a buyer. See the suburb pages for context.
Which suits you?
Choose Terrigal if...
- Terrigal leads on Family, Lifestyle
- Socio-economic advantage score matters to you
Tied on Safety.
Choose Umina Beach if...
- You are renting first and want lower weekly outgoings
- School options within walking distance matter
Tied on Safety.
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Common questions
- Is Terrigal or Umina Beach more expensive?
- Price data varies — check each suburb's page for the latest figures.
- Which is better for renters — Terrigal or Umina Beach?
- Median weekly rent is $760/wk in Terrigal and $585/wk in Umina Beach, making Umina Beach the more affordable rental market.
- Is Terrigal or Umina Beach at higher flood risk?
- Flood mapping coverage varies by postcode — see the flood risk pages for both suburbs for authoritative NSW data.
- How many schools are in Terrigal vs Umina Beach?
- Terrigal has 4 schools in the postcode, and Umina Beach has 5. Note that school catchments can extend across postcode boundaries.
Full suburb profiles