Living in Terrace End: rents, schools, census and property titles
The 1,948 live property titles in Terrace End, Palmerston North City are almost all freehold (91%), as recorded by LINZ on 30 September 2026. Cross-lease titles number 131 (6.7%), below the national share of 8.7%.
Terrace End cross-lease titles
- Cross-lease titles
- 131
- Share of live titles
- 6.7%
- Live titles in total
- 1,948
- Palmerston North City share
- 5.7%
- New Zealand share
- 8.7%
- Rank by share in Palmerston North City
- 5 of 11
- Rank by share in New Zealand
- joint 416 of 644
Terrace End at a glance
Where Terrace End differs most from suburbs across New Zealand: typical distance to the coast (higher than 91% of NZ suburbs).
Higher or lower is not better or worse. Sources and limits
Start here
What the data tells you
Recorded facts
- Terrace End is listed under Palmerston North City.
- 1,948 live titles are recorded here, including 131 cross-lease titles (6.7%).
- The page includes 2023 Census context for the statistical area that represents this suburb.
- The page includes MBIE new-tenancy rent figures for April–June 2026.
Contextual observations
- Cross-lease titles make up 6.7% of the recorded title mix. That describes the suburb, not any particular home.
- Unit titles account for 1.5% of recorded titles, so title structure can vary within the suburb.
- Coast distance is a suburb-level map measure, not a flood or hazard assessment.
Questions worth investigating
- For any cross-lease property you consider, do the current title, flats plan and lease match what is built today?
- What do the LIM, council property file and a suitable inspection add for the specific address?
No data held for this suburb
- Mapped public-transport context is not available for this suburb.
Title mix in Terrace End
| Title type | Live titles | Share |
|---|---|---|
| Freehold | 1,771 | 90.9% |
| Cross lease | 131 | 6.7% |
| Unit title | 30 | 1.5% |
| Leasehold | 7 | 0.4% |
| Other record types | 9 | 0.5% |
| Total | 1,948 | 100% |
Counts are titles, not homes; the register can lag conversions, so check the certificate of title. Sources and limits
How Terrace End compares
Nationally, 8.7% of live titles are cross-lease; Terrace End is lower than the national share (8.7%).
Across Palmerston North City as a whole, the share is 5.7%; Terrace End is slightly higher than the overall Palmerston North City share (5.7%).
How cross-leases in Terrace End are set up
Fewer schemes refer to more than one flats plan (10%, against 36% nationally), usually because a plan was redrawn.
Three-flat schemes are more common here (25%, against 12% nationally).
More schemes have four or more flats on one section (20%, against 11% nationally).
| Scheme structure | Terrace End | Palmerston North City | New Zealand |
|---|---|---|---|
| Cross-lease schemes (shared sections) | 49 | 734 | 87,651 |
| Two-flat schemes | 55.1% | 65.7% | 76.2% |
| Three-flat schemes | 24.5% | 13.8% | 12.2% |
| Four or more flats | 20.4% | 20.2% | 11.4% |
| Typical section size (from the titles, not a survey) | 959 m² | 809 m² | 908 m² |
| Typical land per flat | 359 m² | 348 m² | 408 m² |
| Schemes with a garage written into a lease | 26.5% | 16.8% | 28.4% |
| Schemes with a carport in a lease | 8.2% | 12.8% | 13.3% |
| Schemes with a separate exclusive-use area | 0.0% | 1.2% | 4.5% |
| Schemes referring to more than one flats plan (usually redrawn; not by itself a problem) | 10.2% | 23.7% | 35.6% |
| Median year of earliest current title | 1984 | 1985 | 1988 |
| Two-flat schemes on 700 m² or more | 21 | 292 | 54,978 |
Unit titles and leasehold in Terrace End
Unit titles are 2% of Terrace End's titles, well below Palmerston North City (3%) and well below New Zealand (8%). They belong to 7 developments, each run by a body corporate; half have 4 units or fewer.
New titles in Terrace End since 2020
139 of Terrace End's current titles (7%) were first issued since 2020, slightly below Palmerston North City's suburbs with new-title figures taken together (8%) and well below New Zealand (12%).
| Title type | Since 2020 | Since 2023 |
|---|---|---|
| Freehold | 138 | 71 |
| Unit title | 0 | 0 |
| Cross-lease | 0 | 0 |
| Leasehold | 1 | 1 |
| Other | 0 | 0 |
New titles include cross-leases converted to freehold and titles re-issued; they are not a count of new homes. Sources and limits
The lie of the land in Terrace End
The typical building in Terrace End stands on ground sloping 0.7° (read on an 8 m grid, so short steep banks may be understated).
Nearly all of its 2,765 measured buildings (96%) stand on ground under 5°.
Slope is not a measure of ground stability. Sources and limits
Distance to the coast from Terrace End
Terrace End is inland: the typical title is 35 km from the sea or harbour edge, and fewer than 1 in 2,000 titles are within 1 km of it.
Measured in a straight line from the centre of each title's land to the coastline on LINZ's 1:50k topographic map, which follows harbours and estuaries as well as the open coast; lakes and rivers are not included. Distance says nothing about beach access, views or exposure to coastal hazards; council hazard maps and the LIM describe those.
Who lives around Terrace End: 2023 Census
Terrace End's titles fall in 4 census areas (Stats NZ statistical areas). The 3 shown below hold 100% of its titles; their figures are shown side by side and are not added together.
Fewer households have no car in Ruamahanga than across Palmerston North City: 4.4% against 6.8%.
Fewer workers work from home in Ruamahanga than across Palmerston North City: 10.5% against 12.6%.
| Measure | Ruamahanga 57% of titles | Hokowhitu East 23% of titles | Papaioea South 19% of titles | Palmerston North City whole council |
|---|---|---|---|---|
| Usual residents | 2,781 | 3,156 | 1,884 | 87,090 |
| Change since 2018 | +2.4% | +1.4% | −3.2% | +2.9% |
| Change since 2013 | +8.2% | +4.0% | +0.0% | +8.8% |
| Median age | 35.5 | 37.6 | 35.2 | 35.7 |
| Households | 1,005 | 1,182 | 870 | 31,497 |
| Own or part-own their home (including family trusts) | 64.2% | 67.3% | 39.3% | 64.1% |
| Not owned and not in a family trust (mostly renting) | 35.8% | 33.0% | 60.7% | 35.9% |
| Median household income | $91,800 | $100,300 | $57,400 | $90,600 |
| Median weekly rent, renting households | $444 | $500 | $360 | $400 |
| Dwellings unoccupied on census night | 5.1% | 5.5% | 9.2% | 6.6% |
| Ages | ||||
| Under 15 | 20.1% | 20.6% | 14.8% | 19.4% |
| 15 to 29 | 21.9% | 20.4% | 26.3% | 22.3% |
| 30 to 64 | 43.1% | 42.6% | 42.7% | 42.6% |
| 65 and over | 14.8% | 16.3% | 16.2% | 15.7% |
| Where people came from | ||||
| Born overseas | 19.2% | 24.4% | 25.1% | 22.0% |
| Of those born overseas, arrived in the last 5 years | 26.4% | 22.0% | 33.8% | 23.8% |
| Lived elsewhere in New Zealand 5 years ago (of all residents, including children born since) | 42.7% | 42.3% | 53.9% | 45.7% |
| Lived overseas 5 years ago (of all residents) | 4.5% | 3.5% | 6.2% | 3.7% |
| Moved here in the last year (of all residents) | 19.0% | 19.6% | 30.8% | 20.2% |
| Work and study (people 15 and over) | ||||
| Bachelor degree or higher | 27.5% | 35.2% | 25.8% | 25.8% |
| Employed full-time | 52.4% | 51.3% | 49.5% | 51.1% |
| Unemployed (share of everyone 15 and over, not the unemployment rate) | 3.0% | 2.8% | 3.4% | 3.1% |
| Managers and professionals (of those employed) | 43.2% | 48.8% | 37.8% | 41.2% |
| Median personal income | $39,700 | $44,800 | $36,900 | $40,800 |
| Getting to work (of those employed) | ||||
| Work from home | 10.5% | 14.0% | 11.0% | 12.6% |
| Car, truck or van | 79.6% | 76.0% | 70.8% | 76.9% |
| Bus, train or ferry | 1.6% | 1.3% | 1.2% | 1.4% |
| Walk or cycle | 6.7% | 7.7% | 15.8% | 7.7% |
| Households and families | ||||
| One-person households | 23.6% | 20.3% | 43.1% | 24.3% |
| Average people per household | 2.7 | 2.6 | 2.1 | 2.6 |
| Households with no motor vehicle | 4.4% | 4.0% | 14.8% | 6.8% |
| Crowded households (need one or more extra bedrooms) | 4.3% | 3.6% | 5.0% | 4.9% |
| Couples with children (of families) | 44.3% | 40.7% | 31.4% | 41.5% |
| Couples without children | 35.7% | 43.1% | 46.4% | 40.3% |
| One-parent families | 20.0% | 16.2% | 22.1% | 18.2% |
| Homes | ||||
| Separate (stand-alone) houses | 86.9% | 89.9% | 48.3% | 82.6% |
| Average bedrooms | 3.2 | 3.3 | 2.5 | 3.1 |
| Heated with a heat pump | 62.3% | 68.7% | 65.8% | 64.9% |
| Damp, always or sometimes | 19.8% | 17.2% | 19.8% | 17.6% |
| Mould over A4 size, always or sometimes | 15.3% | 13.4% | 14.7% | 13.4% |
Rents around Terrace End
New tenancies in Ruamahanga in the April–June 2026 quarter had a median rent of $600 a week (up 7.1% on a year earlier). That is close to the typical suburb in Palmerston North City ($568), and close to the national median ($600); joint 2nd highest of 11 in Palmerston North City.
| April–June 2026 | Ruamahanga 57% of titles | Hokowhitu East 23% of titles | Papaioea South 19% of titles | New Zealand |
|---|---|---|---|---|
| Median weekly rent, new tenancies | $600 | $590 | $455 | $600 |
| Middle half of rents | $544–$680 | $548–$643 | $376–$573 | $490–$700 |
| Change in median on a year earlier | +7.1% | +1.7% | +8.3% | +0.2% |
| Bonds lodged in the quarter | 18 | 24 | 42 | 40,827 |
Schools and hospitals near Terrace End
One school site lies inside Terrace End: Parkland School (Palmerston North) (Contributing).
- Parkland School (Palmerston North) (Contributing)
- Nearest school: Parkland School (Palmerston North) (0.1 km)
- Nearest secondary school: Freyberg High School (1.8 km)
- Nearest public general hospital: Palmerston North Hospital (2.1 km)
School enrolment zones in Terrace End: a guide
One secondary school has a home zone covering most of Terrace End's titles: Freyberg High School.
- Parkland School (P North) (primary, Years 1–6): about 85% of titles
- Hokowhitu School (primary, Years 1–6): about 20% of titles
- Terrace End School (primary, Years 1–6): about 10% of titles
- Winchester School (P North) (primary, Years 1–6): about 5% of titles
- Ross Intermediate (intermediate, Years 7–8): about 95% of titles
- Palmerston North Intermediate (intermediate, Years 7–8): about 15% of titles
- Cornerstone Christian School (composite): all or nearly all titles
- Freyberg High School (secondary): all or nearly all titles
- Palmerston North Girls' High School (secondary): about 45% of titles
- Palmerston North Boys' High School (secondary): about 15% of titles
A guide only: check the school's own zone map for any address. Zones as at 14 July 2026. Sources and limits
Places of worship near Terrace End
No place of worship is mapped in OpenStreetMap inside Terrace End's boundary.
Nearest mapped place of each tradition within 10 km:
- Christian: Saint Davids Presbyterian Church, under 1 km away
- Muslim: Palmerston North Islamic Centre, 3.2 km away
- Sikh: Gurudwara Sri Guru Harkishan Sahib Ji, 2.0 km away
Listed as facilities for access; not an indicator of who lives here. Sources and limits
Other suburbs in Palmerston North City with many cross-leases
- Palmerston North: 448 cross-lease titles (10.0%)
- Roslyn: 194 cross-lease titles (7.1%)
- West End: 194 cross-lease titles (9.4%)
- Hokowhitu: 184 cross-lease titles (4.6%)
- Kelvin Grove: 167 cross-lease titles (4.7%)
- Milson: 167 cross-lease titles (6.1%)
- Awapuni: 134 cross-lease titles (4.1%)
- Takaro: 122 cross-lease titles (5.3%)
All suburbs in Palmerston North City
Suburbs like Terrace End
The closest match on the measures on this site is Awapuni, Palmerston North City in Palmerston North City, nearest on rent, slope, commuting by public transport. Closeness is arithmetic, not a rating. Sources and limits
| Suburb | Council | Cross-lease share of titles | Median weekly rent, new tenancies | Median age | Closest on |
|---|---|---|---|---|---|
| Awapuni, Palmerston North City | Palmerston North City | 4.1% | $600 | 37.4 | rent, slope, commuting by public transport |
| Milson | Palmerston North City | 6.1% | $588 | 33.4 | commuting by public transport, slope, distance to a hospital |
| Cloverlea | Palmerston North City | 13.8% | $565 | 35.7 | schools, commuting by public transport, median age |
| Takaro | Palmerston North City | 5.3% | $535 | 32.8 | slope, schools, unit-title share |
| Kuripuni | Masterton District | 6.3% | $530 | 37.2 | slope, schools, cross-lease share |
Questions
What is the rent in Terrace End?
New tenancies in Ruamahanga (the rent area for part of Terrace End) had a median rent of $600 a week in the April–June 2026 quarter (MBIE bond data, all dwelling types). These are rents agreed for new tenancies, not asking rents. The middle half of those rents ran from $544 to $680.
What schools are in Terrace End?
LINZ maps 1 school site inside Terrace End: Parkland School (Palmerston North). The nearest secondary school to its centre is Freyberg High School (1.8 km in a straight line). The secondary-school home zone covering most of its titles is Freyberg High School; check the school's own zone map for any address.