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20150708 - 82 - Terrace Bay, Ont. - "Another Low-Slung Downtown"

Terrace BayOntario

In Ontario, this town has 1,553 residents. Between 2016 and 2021, its population shrank by 5%.

1 place within 19 kmMap →
Photo: Andre Carrotflower · CC BY-SA 4.0
20150708 - 82 - Terrace Bay, Ont. - "Another Low-Slung Downtown"

Terrace Bay, Ontario · Photo: Andre Carrotflower · CC BY-SA 4.0

Population
1,553
people, 2025 estimate
Median age
48.8
years · Ontario’s towns: 46.8
Postsecondary
50%
of residents 15 and over hold a postsecondary certificate, diploma or degree · Canadian towns: 56%
Walk, cycle, transit
10%
walk, cycle or take transit to work · Canadian towns: 8%

Is Terrace Bay a good place to live?

Buying a home costs less than in most towns (A+). It is a safe place by the numbers (A−). Health is a weak point (C). Natural hazards weigh less here than in most Canadian towns (A−).

Terrace Bay is graded subject by subject, but Canadian towns need 2,500 residents for an overall grade.

This town's rent is the 2021 census rent scaled to 2025 by its province's ratio of surveyed to census rents: no rental survey covers it, so its Cost Grade is less sure. Health is graded on the health region's survey figures and life expectancy, with the distance to hospital giving the town its own spread.

What makes Terrace Bay stand out

The 3 things Terrace Bay does most differently from other towns.

Picked automatically from the data

How Terrace Bay grades

Each subject compares Terrace Bay with Canadian towns of 2,500 or more, ordered by how far it is from the middle. Towns in other countries are graded separately.

How grading works

Terrace Bay is graded subject by subject, but Canadian towns need 2,500 residents for an overall grade.

How TownRatings grades Canadian towns →

The data

Data highlights are ordered by what stands out in Terrace Bay.

HousingCost of living A+

Rent takes less of local pay in Terrace Bay than in Ontario’s towns or Canadian towns: 14% of household income

Shelter took 30% or more of income for 13% of households, lower than both Ontario’s towns (22%) and Canadian towns (18%). 78% of households are owner-occupiers.

$100,000median home value, 2021A+Cost of living Grade

What homes were worth · The median owner’s estimate at the 2021 census

Terrace Bay$100,000
Ontario$695,000
Canadian towns$406,000
Census 2021Terrace BayOntarioCanada
Rent as a share of income14%22%20%
Households spending 30%+ on shelter13%22%18%
$750
monthly rent for a two-bedroom
$765
median monthly shelter cost for owners, 2021

Statistics Canada, Census 2021; CMHC Rental Market Survey via Statistics Canada · The 2021 census asked owners what their home was worth; those values, and 2020 incomes, are what this compares.

SafetySafety A−

Terrace Bay’s Violent Crime Severity Index, 54, runs below Ontario’s towns and Canadian towns

Thefts, break-ins and damage came to 13.9 per 1,000 residents a year, below both Ontario’s towns (30.5) and Canadian towns (31.2). Violent incidents came to 12.1 per 1,000 residents a year, higher than Ontario’s towns (10.5) and near Canadian towns (12).

42Crime Severity Index

Year by year · Crime Severity Index for each year

202338
202456
202531
2023–2025Terrace BayOntarioCanada
Property crime per 1,00013.930.531.2
Violent Crime Severity Index547686
37
non-violent Crime Severity Index
57%
of incidents cleared, 2023–25

Statistics Canada, Uniform Crime Reporting Survey, 2023–2025 average

Natural hazardsHazard risk A−

Terrace Bay’s grade for hazard risk: an A−

Wildfire is rare near Terrace Bay: 1.9% of the land within 25 km has burned since 1986, a burn rate of 0.05% a year. Radon topped the guideline in 12% of tested homes, above Ontario’s towns (4%) and Canadian towns (6.6%) alike. No flood study for Terrace Bay is on the national inventory.

Lowwildfire bandA−Hazard risk Grade

Radon tests above the guideline · share of tested homes, 200 Bq/m³

Terrace Bay12%
Ontario’s towns4%
Canadian towns6.6%
HazardsTerrace BayOntarioCanada
Radon tests above the guideline12%4%6.6%
Earthquake loss per $1,000 of buildings a year$0.003$0.043$0.030
$0.003
expected earthquake loss a year per $1,000 of buildings
Low
wildfire band

NRCan seismic risk model and burned areas, Health Canada radon survey, the Flood Hazard Map Inventory

Climate

Winter nights bite in Terrace Bay: January lows of −24.7°C, colder than Ontario’s towns or Canadian towns

Expect July highs of around 23.6°C in Terrace Bay. The thermometer drops below freezing on 214 days a year, above both Ontario’s towns (139) and Canadian towns (159). Gardeners get 106 frost-free days, from 31 May to 16 September. For the wettest month, look to July: 108 mm on average.

23.6°CJuly afternoons

Average high by season · ECCC normals, 1991–2020

Winter−9.8°C
Spring6.8°C
Summer22.4°C
Autumn7.7°C
Normals, 1991–2020Terrace BayOntarioCanada
January night low−24.7°C−9.1°C−13.5°C
Days with frost a year214139159
July afternoon high23.6°C26.7°C25.5°C
Precipitation a year762 mm902 mm883 mm
214
days with frost a year
106
frost-free days, 31 May to 16 Sep
114
days with precipitation a year

Environment and Climate Change Canada, Canadian Climate Normals 1991–2020 (Geraldton)

Work & commuteJobs & income B+

Commuters in Terrace Bay have a short way to work, 13 min on average, less than in Ontario’s towns and Canadian towns

89% of commuters drove, in line with Ontario’s towns (88%) and Canadian towns (89%).

10%walk, cycle or take transit

How working residents got to work · census 2021

Car or van89%
Walk10%
Census 2021Terrace BayOntarioCanada
Average trip13 min29 min26 min
Car or van89%88%89%
$86,000
median household income, 2020
5%
worked from home, May 2021
83%
of commuters work inside the municipality

Statistics Canada, Census 2021 (labour and commuting) · The 2021 census was taken in May 2021, during COVID-19 restrictions: more people than usual worked from home or were off work.

HealthHealth C

Terrace Bay’s region trails the typical Canadian town by 5.0 years: life expectancy 76.5

Shared with the rest of the Thunder Bay District Health Unit: health survey and life expectancy

In the health survey, 49% of adults in the region rate their health very good or excellent, fewer than Ontario’s 51%. The survey counts 17% of adults as smokers, above both Ontario’s towns (10%) and Canadian towns (12%). What sets Terrace Bay apart within its region is a short trip to hospital, 0.9 km for the average resident (3.7 km typical).

49%very good or excellent healthCHealth Grade

Very good or excellent health · adults, age-standardised

Terrace Bay49%
Ontario’s towns51%
Canadian towns52%
HealthTerrace BayOntarioCanada
Life expectancy at birth76.582.881.5
Smokers17%10%12%
Very good or excellent health49%51%52%
Chronic conditions (average share)18%17%17%
76.5
years of life expectancy, 2022/2024
0.9 km
from homes to a hospital, on average
17%
of adults smoke, age-standardised
1.0 km
from homes to a pharmacy, on average

Statistics Canada, Canadian Community Health Survey 2023/2024 and life expectancy 2022/2024; Open Database of Healthcare Facilities

SchoolsSchools B+

3 boards run the schools in and around Terrace Bay

Within 3 km of Terrace Bay are 5 elementary schools and 1 secondary school, teaching 330 students. Its elementary schools are small, 68 students on average, against 365 in Ontario. 3 of the 6 are Catholic, more than the 34% in Ontario. Of the 2 with published results, 1 land in the top two fifths in Ontario.

6schools within 3 kmB+Schools Grade
SchoolLevelStudentsSystem
Holy Angels Separate School CatholicLargest elementary schoolElementary · Grades JK–8Elementary · Grades JK–885English Catholic
Lake Superior High School Fourth fifth in OntarioLargest secondary schoolSecondary · Grades 9–12Secondary · Grades 9–12125English public
École catholique Franco-Terrace FrenchTeaches in FrenchElementary · Grades JK–8Elementary · Grades JK–8–French Catholic

See all 6 schools →

Schools by system · Schools within 3 km

English public3
English Catholic2
French Catholic1
Schools within 3 kmTerrace BayOntarioCanada
School boards343
330
students at the schools within 3 km, 2024-25
0.4 km
to the nearest secondary school

Provincial school lists and results, 2024-25

Weather

Terrace Bay in November: highs near −1°C, lows near −9°C

Expect about 53 mm of rain and snow over November. The month after, December, normally sees −8°C afternoons and −18°C nights. July brings the warmest days, 24°C; January the coldest nights, −25°C. ECCC’s forecast for Terrace Bay is on the Weather page, hour by hour.

−1°Ca normal November afternoon

Normal highs, the months ahead · ECCC normals, 1991–2020

November−1°C
December−8°C
January−12°C
February−9°C
SeasonHighLowRain and snow
Winter−10°C−22°C98 mm
Spring7°C−7°C160 mm
Summer22°C10°C266 mm
Autumn8°C−2°C239 mm
−9°C
a normal November night
53 mm
of rain and snow in a normal November

ECCC normals, 1991–2020 (Geraldton); the forecast is on the Weather page

Town hall

Terrace Bay turned out at 57% for its 2022 council election, above 97% of Ontario municipalities

Terrace Bay’s council of 5 was elected in October 2022, with Paul Malashewski as mayor.

TurnoutTerrace BayOntarioCanada
Municipal election, 202257%31%31%

Wikidata, MAMH, MMAH, Statistics Canada

Library & civic lifeCivic life grade B+

Terrace Bay Public Library logs 6.1 visits per person served, more than 92% of Ontario’s town libraries

Terrace Bay Public Library serves 1,528 people from a single building.

Provincial library statistics, OpenStreetMap, the CRA and Statistics Canada

Who lives here

More of Terrace Bay’s residents have an Indigenous identity than in Ontario’s towns or Canadian towns: 13%

Nearly a quarter of residents have reached 65. Visible minorities make up a tenth of the population, below Ontario’s towns (26%) and Canadian towns (15%) alike.

48.8median age
Terrace BayOntarioCanada

Ages · Share of residents in each age group, Census 2021

Schooling · Highest qualification, residents 15 and over

No certificate, diploma or degree15%
Postsecondary qualification50%

Women and men · all residents

48.4% of Terrace Bay’s residents are women

Census 2021 put women at 740 and men at 790; women are 50.9% of Canada.

Who lives in Terrace Bay
Terrace BayOntarioCanada
Under 1516%15%16%
15 to 6460%65%64%
65+24%19%19%
No certificate, diploma or degree15%15%16%
Postsecondary qualification50%56%56%

Statistics Canada, Census 2021; Ontario and Canada: medians of towns of 2,500+

Outdoors

The boundary of Lake Superior National Marine Conservation Area runs along Terrace Bay

Some protected land is inside the town: 30% of its area. The protected share of the 10 km around the town is 56%, above Ontario’s towns (2.3%) and Canadian towns (2.3%) alike. Within 5 km are 191 beaches; Terrace Bay Beach is the nearest. For walks, the Casque Isles Trail runs within 2 km.

56%of the land within 10 km protected

Protected land · of the land within 10 km

Terrace Bay56%
Ontario’s towns2.3%
Canadian towns2.3%
OutdoorsTerrace BayOntarioCanada
Protected land within 10 km56%2.3%2.3%
Public protected areas within 10 km744
At the edge
to Lake Superior National Marine Conservation Area
At the edge
to Slate Islands Provincial Park
191
beaches within 5 km
7
public protected areas within 10 km

Canadian Protected and Conserved Areas Database (CPCAD), OpenStreetMap routes and beaches

History

In Terrace Bay, 43% of homes go back before 1961

43%built before 1961
43%
of homes built before 1961 · Canadian towns 18%
HeritageTerrace BayOntarioCanada
Homes built before 196143%22%18%

Canadian Register of Historic Places, Directory of Federal Heritage Designations, Québec’s Répertoire du patrimoine culturel, Wikidata; Census 2021 homes by period

Keep exploring

Everything we know about Terrace Bay

15pages on Terrace Bay

Famous people from Terrace Bay

5 notable people were born in Terrace Bay.

See all 5 →

Terrace Bay’s neighbours

The nearest places of 1,000 or more. Statistics Canada

SchreiberSchreiberTerrace Bay
How the neighbours grade
TownPeoplekmOverallCostSafetyHealth
Terrace Bay1,553——A+A−C
Schreiber1,06812—A+—C−

People: Statistics Canada, Census 2021. Distances: centre to centre.

Questions about Terrace Bay

What kind of homes are in Terrace Bay?

87% of homes are single-detached houses, against 64% for the median of Canadian towns, and 0% are in apartment buildings of five storeys or more. A household averages 2.1 people; 36% are one person living alone.

Is Terrace Bay growing?

Between the 2016 and 2021 censuses it fell from 1,611 to 1,528 residents (5.2% down; Canadian towns’ median grew 4.1%); Statistics Canada now estimates 1,553.

Is Terrace Bay a young town or an old one?

At 48.8, its median age compares with 45.2 across Canadian towns. Children make up 16% of the population and seniors 24%.

About Terrace Bay

Town in Ontario

Statistics Canada treats Terrace Bay as a single census subdivision in Ontario, and TownRatings keeps to that line.

Statistics Canada: population estimates 2025 (17-10-0155), Census of Population 2021, 2021 census boundaries.

Population
1,553 (people, 2025 estimate)
Province or territory
Ontario
Census division
Thunder Bay
Census subdivision
3558054

Sources: Statistics Canada, Census of Population 2021 · population estimates 2025 (17-10-0155) and 2021 census boundaries · Uniform Crime Reporting Survey 2023–25 (35-10-0026, 35-10-0183 to 35-10-0190) · CMHC rents as published by Statistics Canada (34-10-0133) · grades by TownRatings. Under the Statistics Canada Open Licence.

Adapted from Statistics Canada (Census of Population 2021, population estimates 2025, 2021 census boundaries) under the Statistics Canada Open Licence; this does not constitute an endorsement by Statistics Canada. Neighbourhood names in some cities © OpenStreetMap contributors (ODbL).