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Terrace Bay, ON
Ontario
Terrace Bay is a small town in Ontario with a population of 1,528. Residents earn $86,000 per year, which is 14% above the national average.
Data updated June 2026
Discover Terrace Bay, ON
Explore over 40 sections covering people, economy, housing, health, crime, climate, community, costs, trends, schools, colleges, hospitals, treatment centers, industries, museums, libraries, breweries, farmers markets, grocery stores, pharmacies, campgrounds, parks, trails, stadiums, ski resorts, daycare centers, nursing homes, churches, fire stations, cell towers, bridges, power plants, EV stations, prisons, radio stations, airports, police stations, post offices, Amtrak stations, superfund sites, UNESCO sites, and more.
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How Terrace Bay Compares to the U.S. Average (100% = U.S. avg)
People
Economy
B+Housing
A+Crime
C+Climate
Education
DCommunity
Is Terrace Bay a Good Place to Live?
Based on current data, Terrace Bay receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment. Terrace Bay offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Terrace Bay is $86,000, 14% above the national average of $75,149. Residents generally enjoy above-average earning potential. At 9.0%, unemployment is notably high. Only 6.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 15 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Terrace Bay is $100,000, 65% below the national median / offering relatively affordable homeownership. Renters pay a median of $750 per month, below the national average / a plus for affordability. At just 1.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Property crime occurs at a rate of 3,500 per 100,000, 79% above the national average.
Education
10.5% of residents hold a bachelor's degree, below the national average of 33.7%. 35.2% have completed high school.
Climate & Weather
Terrace Bay has a cool climate with an average annual temperature of 36°F. Winters average 9°F in January while summers reach 59°F in July. With 278 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 32.0 inches, including 11.3 inches of snow.
Population
Gender Distribution
Race & Ethnicity
Terrace Bay vs U.S. Average
Language Spoken at Home
Social Characteristics
Terrace Bay vs U.S. Average
Income: Terrace Bay vs U.S.
Commute Mode
Income
| Median HH Income | $86,000 |
| 14% above US avg | |
| Per Capita Income | $51,400 |
| Avg Weekly Wage | $988 |
Employment & Poverty
| Unemployment | 9.0% |
| 150% above US avg | |
| Poverty Rate | 6.8% |
| 45% below US avg | |
| Establishments (County) | 47 |
Business (County)
Tax & Cost of Living
Commute & Transportation
| Commute Time | 14.5 min |
| Drive Alone | 82.6% |
| Public Transit | 0.0% |
| Work from Home | 5.2% |
Walkability
Home Value Sources
Ownership Split
Home Values
| Census Median | $100,000 |
| 65% below US avg |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $750 |
| 36% below US avg | |
| Rent Burden | 12.6% |
Ownership & Property
| Homeownership | 78.9% |
| Owner-Occupied | 78.9% |
| Renter-Occupied | 21.8% |
| Housing Units | 710 |
Property Tax
Crime Rates: Terrace Bay vs U.S. Average (per 100,000)
Violent Crime
Property Crime
| Total Property | 3,500.0/100K |
| 79% above US avg | |
| Burglary | 483.9/100K |
| Theft | 2,503.4/100K |
| Vehicle Theft | 504.8/100K |
Traffic Safety
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Temperature
| Annual Average | 36.1°F |
| 33% below US avg | |
| January Average | 9°F (-13°C) |
| July Average | 59°F (15°C) |
| Sunny Days | 278 days/yr |
Geography
| Elevation | 892 ft (272 m) |
| Area | 58.5 sq mi (151.5 km²) |
| Population Density | 26/sq mi |
| Coordinates | 48.7834°N, 87.1000°W |
| Timezone | America/Toronto |
Precipitation & Snow
Air Quality
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 9°F (-13°C) | 2.2 in | Coldest |
| February | 11°F (-12°C) | 1.5 in | |
| March | 21°F (-6°C) | 1.5 in | Driest |
| April | 35°F (1°C) | 1.6 in | |
| May | 45°F (7°C) | 3.0 in | |
| June | 53°F (12°C) | 3.3 in | |
| July | 59°F (15°C) | 3.5 in | |
| August | 60°F (16°C) | 3.4 in | Warmest |
| September | 53°F (11°C) | 4.1 in | Wettest |
| October | 42°F (6°C) | 3.5 in | |
| November | 29°F (-2°C) | 2.2 in | |
| December | 16°F (-9°C) | 2.2 in |
Terrace Bay has a seasonal temperature swing of 52°F / from 9°F in January to 60°F in August. Total annual precipitation is 32.0 inches, with September being the wettest month (4.1") and March the driest (1.5").
Education
| Bachelor's Degree+ | 10.5% |
| 69% below US avg | |
| High School+ | 35.2% |
| Graduate Degree+ | 2.8% |
Area & Infrastructure
| Population Density | 26/sq mi |
| Total Area | 58.5 sq mi |
Services
Commute & Transportation
| Avg Commute | 14.5 min |
| Drive Alone | 82.6% |
| Public Transit | 0.0% |
| Work from Home | 5.2% |
Schools in Terrace Bay
4 public schools (NCES 2022-23 data).
| School | Level | Enrollment | Teachers | Student/Teacher |
|---|---|---|---|---|
| École catholique Franco-Terrace | - | - | - | - |
| St. Martin Catholic School | - | - | - | - |
| Terrace Bay Public School | - | - | - | - |
| Lake Superior High School | - | - | - | - |
Museums in Terrace Bay
| Name | Type | Address | Phone | Annual Revenue |
|---|---|---|---|---|
| Schreiber Discovery Centre |
Libraries in Terrace Bay
| Name | Address | Staff | Annual Visits | Circulation | Collection | Programs |
|---|---|---|---|---|---|---|
| Terrace Bay Public Library | 0.0 |
Cafes in Terrace Bay
2 cafes within city radius - OpenStreetMap data
Gas Stations in Terrace Bay
2 gas stations within city radius - OpenStreetMap data
Golf Courses in Terrace Bay
1 golf courses within city radius - OpenStreetMap data
Churches & Religious Organizations in Terrace Bay
3 religious organizations (IRS tax-exempt data).
| Name | Address |
|---|---|
| St. Martin of Tours Catholic Church | |
| Terrace Bay Community Church | |
| Terrace Bay Gospel Assembly |
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Get ReportFrequently Asked Questions About Terrace Bay
What is the population of Terrace Bay?
Terrace Bay has a population of 1,528 residents and is located in Ontario. The population density is 26 people per square mile, spread across 58.5 square miles. The median age of residents is 48.8 years, which is older than the national median of 38.9 years. The population is 48.4% female and 51.6% male.
Is Terrace Bay expensive to live in?
The median household income is $86,000, 14% above the national average of $75,149. The median home value is $100,000 (65% below the U.S. median). Renters pay a median of $750 per month, below the national average of $1,163. The home price-to-income ratio is 1.2x, indicating housing is reasonably affordable relative to local income levels.
Is Terrace Bay safe?
Property crime occurs at a rate of 3,500 per 100,000 (above the national average). Overall, Terrace Bay receives a safety grade of C+ based on combined crime data.
What is the weather like in Terrace Bay?
Terrace Bay has a cool climate with an average annual temperature of 36°F (2°C). Winter temperatures average 9°F in January, while summers reach an average of 59°F in July. The area receives 278 sunny days per year, well above the national average of 205. Annual rainfall totals 32.0 inches, with 11.3 inches of snow.
How is the job market in Terrace Bay?
The job market in Terrace Bay faces challenges, with unemployment at 9.0% / significantly above the national rate of 3.6%. The average weekly wage is $988. There are 47 business establishments in the area. The average commute time is 15 minutes, and 5.2% of workers work from home.
How much does housing cost in Terrace Bay?
The median home value in Terrace Bay is $100,000. For renters, the median monthly rent is $750. The homeownership rate is 78.9%.
How are the schools in Terrace Bay?
10.5% of adults in Terrace Bay hold a bachelor's degree or higher, below the national average of 33.7%. 35.2% have completed high school. 2.8% hold a graduate or professional degree.
What is transportation like in Terrace Bay?
The average commute in Terrace Bay is 15 minutes, shorter than the national average of 28 minutes. 82.6% of workers drive alone to work, and 5.2% work from home.
What are the demographics of Terrace Bay?
The racial and ethnic makeup of Terrace Bay is 89.6% White, 1.7% Black or African American, 8.4% Asian. 85.6% of residents speak only English at home, while 4.3% speak Spanish.