Umina Beach (NSW)

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Analysis of ABS demographic updates for the broader region and post-Census address verification by Districts indicates that the suburb of Umina Beach has an estimated population of approximately 17,165 as of May 2026. This represents a contraction of 207 residents (1.2%) relative to the 2021 Census, which recorded 17,372 individuals. This shift is derived from a resident population baseline of 17,133 estimated by Districts using the June 2025 ABS ERP release, supplemented by 71 validated new addresses registered after the Census. The resulting population density stands at 2,455 persons per square kilometer, placing the locality in the top quartile of all Australian areas assessed by Districts. Recent population expansion was almost exclusively fueled by net arrivals from overseas migration.

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The suburb of Umina Beach has a qualified workforce with a strong presence in essential services, an unemployment rate of 4.4%, and an estimated annual job growth rate of 3.0% based on regional statistical data. As of March 2026, there are 8,107 employed residents, with local unemployment sitting 0.2% above the Greater Sydney benchmark of 4.1%. Workforce participation is notably lower, registering at 60.2% compared to 69.1% across Greater Sydney. Census responses indicated that a substantial 34.8% of the workforce worked from home, though this figure was likely influenced by COVID-19 restriction measures.

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According to the latest postcode-level ATO data released for the financial year 2023, taxpayers in the suburb of Umina Beach earn a median income of $47,819 and an average income of $72,031. These figures exceed national benchmarks, though they sit below the Greater Sydney median of $60,817 and average of $83,003. Factoring in Wage Price Index growth of 10.32% since the financial year 2023, updated estimates as of March 2026 point to a median of $52,754 and an average of $79,465. Data from the 2021 Census indicates that household, family, and personal income levels are relatively modest, falling between the 26th and 30th percentiles. The local income distribution shows that 28.9% of the population (4,960 individuals) falls within the $1,500 - 2,999 weekly bracket, similar to the metropolitan average of . Household budgets are under significant strain, with only of income remaining after housing costs, placing the area in the th percentile, while the SEIFA index for income ranks the locality in the th decile.

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According to the latest Census, the residential mix in the suburb of Umina Beach consists of 76.9% detached houses and 23.1% alternative dwellings such as townhouses, apartments, or other structures, contrasting with the Sydney metropolitan split of 55.9% houses and 44.1% other dwellings. Homeownership rates are high compared to the broader metropolitan area, with 34.9% owning their homes outright, while the remaining properties are held under mortgages (31.1%) or rented (34.0%). The median monthly mortgage payment of $2,100 is below the Sydney metropolitan median of $2,427, and the median weekly rent of $400 is below the metropolitan rate of $470. Locally, mortgage repayments exceed the Australian average of $1,863, and weekly rents are higher than the national median of $375.

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Families make up 67.5% of all local households, consisting of couples with children (25.7%), couples without children (25.7%), and single parents (14.9%). The remaining 32.5% are non-family households, which are dominated by lone-person residences (29.4%) and group households (3.2%). The average household size is 2.4 individuals, which is smaller than the Greater Sydney average of 2.7.

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The locality records below-average tertiary attainment, with university graduation rates at 19.8% compared to the Greater Sydney average of 38.0%. This highlights a clear opportunity for targeted educational support programs. Among residents with degrees, Bachelor qualifications are most common at 13.8%, followed by postgraduate degrees at 4.0% and graduate diplomas at 2.0%. Vocational training is prominent, with 40.2% of residents aged 15+ holding trade qualifications, comprising advanced diplomas (10.9%) and certificate-level training (29.3%).

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Public transport connections include 123 active stops within the suburb of Umina Beach, consisting of bus services. These stops are served by 47 different routes, providing a total of 1,528 weekly passenger services. Accessibility is high, with residents living an average of 162 meters from their nearest transit stop. As a commuter suburb, most workers travel outside the area, with private vehicles remaining the primary choice of transport at 82%, followed by train travel at 9%. Average car ownership is 1.2 vehicles per household. A high proportion of residents, 34.8%, worked from home during the 2021 Census, which may have been influenced by COVID-19 rules.

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Health assessments by Districts indicate elevated mortality rates and chronic illness prevalence, with health issues affecting both younger and older cohorts, alongside a high rate of private health insurance coverage at approximately 55% of the local population (~9,509 people). This compares to a coverage level of 59.9% across Greater Sydney.

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Demographic data indicates that cultural diversity in the suburb of Umina Beach is below average, with 82.6% of residents born in Australia, 89.1% holding citizenship, and 93.0% speaking only English at home. Christianity is the dominant religion, practiced by 52.4% of the community. However, the most distinct religious deviation is in Judaism, which represents 0.1% of the local population compared to 0.8% across Greater Sydney.

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The median age in the suburb of Umina Beach is 44, which is higher than the Greater Sydney median of 37 and the national average of 38. The 75 - 84 age cohort is highly represented at 9.2% of the population, whereas the 25 - 34 bracket is less common at 8.7%. Since the 2021 Census, the proportion of residents aged 75 to 84 has risen from 7.7% to 9.2%, while the 55 to 64 group has contracted from 13.2% to 12.1%. Long-term projections indicate significant changes by 2041, led by a 40% expansion in the 75 to 84 cohort, which is expected to rise by individuals to reach from a baseline of . Seniors aged + are projected to account for of the total population growth, while the to and to age cohorts are forecast to shrink.

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Umina Beach currently has an estimated 978 children under 5 years old, comprising approximately 533 children aged 0-2 and 355 children aged 3-4. This cohort declined by an estimated 1% since the previous census. while population forecasts indicate future decline, with an anticipated decrease of 5% by 2041 (to approximately 926 children). Meanwhile the 5-12 cohort currently amounts to 1,467. Birth rates in the area have averaged 9.0 per 1,000 residents over the latest two-year period, a moderate rate (within the middle tier nationally). This rate has slowed down slightly in recent years however.