
Terrace BayOntario
In Ontario, this town has 1,553 residents. Between 2016 and 2021, its population shrank by 5%.
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.
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.
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.
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.
What homes were worth · The median owner’s estimate at the 2021 census
| Census 2021 | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Rent as a share of income | 14% | 22% | 20% |
| Households spending 30%+ on shelter | 13% | 22% | 18% |
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.
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).
Year by year · Crime Severity Index for each year
| 2023–2025 | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Property crime per 1,000 | 13.9 | 30.5 | 31.2 |
| Violent Crime Severity Index | 54 | 76 | 86 |
Statistics Canada, Uniform Crime Reporting Survey, 2023–2025 average
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.
Radon tests above the guideline · share of tested homes, 200 Bq/m³
| Hazards | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Radon tests above the guideline | 12% | 4% | 6.6% |
| Earthquake loss per $1,000 of buildings a year | $0.003 | $0.043 | $0.030 |
NRCan seismic risk model and burned areas, Health Canada radon survey, the Flood Hazard Map Inventory
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.
Average high by season · ECCC normals, 1991–2020
| Normals, 1991–2020 | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| January night low | −24.7°C | −9.1°C | −13.5°C |
| Days with frost a year | 214 | 139 | 159 |
| July afternoon high | 23.6°C | 26.7°C | 25.5°C |
| Precipitation a year | 762 mm | 902 mm | 883 mm |
Environment and Climate Change Canada, Canadian Climate Normals 1991–2020 (Geraldton)
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%).
How working residents got to work · census 2021
| Census 2021 | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Average trip | 13 min | 29 min | 26 min |
| Car or van | 89% | 88% | 89% |
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.
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).
Very good or excellent health · adults, age-standardised
| Health | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Life expectancy at birth | 76.5 | 82.8 | 81.5 |
| Smokers | 17% | 10% | 12% |
| Very good or excellent health | 49% | 51% | 52% |
| Chronic conditions (average share) | 18% | 17% | 17% |
Statistics Canada, Canadian Community Health Survey 2023/2024 and life expectancy 2022/2024; Open Database of Healthcare Facilities
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.
| School | Level | Students | System |
|---|---|---|---|
| Holy Angels Separate School CatholicLargest elementary schoolElementary · Grades JK–8 | Elementary · Grades JK–8 | 85 | English Catholic |
| Lake Superior High School Fourth fifth in OntarioLargest secondary schoolSecondary · Grades 9–12 | Secondary · Grades 9–12 | 125 | English public |
| École catholique Franco-Terrace FrenchTeaches in FrenchElementary · Grades JK–8 | Elementary · Grades JK–8 | – | French Catholic |
Schools by system · Schools within 3 km
| Schools within 3 km | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| School boards | 3 | 4 | 3 |
Provincial school lists and results, 2024-25
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.
Normal highs, the months ahead · ECCC normals, 1991–2020
| Season | High | Low | Rain and snow |
|---|---|---|---|
| Winter | −10°C | −22°C | 98 mm |
| Spring | 7°C | −7°C | 160 mm |
| Summer | 22°C | 10°C | 266 mm |
| Autumn | 8°C | −2°C | 239 mm |
ECCC normals, 1991–2020 (Geraldton); the forecast is on the Weather page
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.
| Turnout | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Municipal election, 2022 | 57% | 31% | 31% |
Wikidata, MAMH, MMAH, Statistics Canada
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
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.
Ages · Share of residents in each age group, Census 2021
Schooling · Highest qualification, residents 15 and over
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.
| Terrace Bay | Ontario | Canada | |
|---|---|---|---|
| Under 15 | 16% | 15% | 16% |
| 15 to 64 | 60% | 65% | 64% |
| 65+ | 24% | 19% | 19% |
| No certificate, diploma or degree | 15% | 15% | 16% |
| Postsecondary qualification | 50% | 56% | 56% |
Statistics Canada, Census 2021; Ontario and Canada: medians of towns of 2,500+
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.
Protected land · of the land within 10 km
| Outdoors | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Protected land within 10 km | 56% | 2.3% | 2.3% |
| Public protected areas within 10 km | 7 | 4 | 4 |
Canadian Protected and Conserved Areas Database (CPCAD), OpenStreetMap routes and beaches
In Terrace Bay, 43% of homes go back before 1961
| Heritage | Terrace Bay | Ontario | Canada |
|---|---|---|---|
| Homes built before 1961 | 43% | 22% | 18% |
Canadian Register of Historic Places, Directory of Federal Heritage Designations, Québec’s Répertoire du patrimoine culturel, Wikidata; Census 2021 homes by period
Everything we know about Terrace Bay
Famous people from Terrace Bay
5 notable people were born in Terrace Bay.
Terrace Bay’s neighbours
The nearest places of 1,000 or more. Statistics Canada
| Town | People | km | Overall | Cost | Safety | Health |
|---|---|---|---|---|---|---|
| Terrace Bay | 1,553 | — | — | A+ | A− | C |
| Schreiber | 1,068 | 12 | — | 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).