The area is a set of contiguous towns that surround a coastal saltwater lake. These towns merge with the suburbs of Newcastle to the north. Some suburbs, such as Adamstown Heights are partly in the City of Newcastle and partly within the City of Lake Macquarie. There are 92 identified settlements ranging from small rural style communities through to larger and higher density areas such as Toronto, Warners Bay, Belmont, Charlestown and Morisset. At the , there were 189,006 people in the Lake Macquarie local government area, of these 48.8% were male and 51.2% were female.
Aboriginal and Torres Strait Islander people made up 3.0% of the population, which was higher than the national and state averages. The
median age of people in the City of Lake Macquarie was 41 years, which was significantly higher than the national median of 37 years. Children aged 0–14 years made up 18.6% of the population and people aged 65 years and over made up 18.4% of the population. Of people in the area aged 15 years and over, 51.0% were married and 12.2% were either divorced or separated. Population growth in the City of Lake Macquarie between the and the was 3.36%; and in the subsequent five years to the 2011 Census, population growth was 3.20%. When compared with total population growth of Australia for the same periods, being 5.78% and 8.32% respectively, population growth in Lake Macquarie local government area was approximately half the national average. The median
weekly income for residents within the City of Lake Macquarie was marginally below the national average. At the 2011 census, the proportion of residents in the Lake Macquarie local government area who stated their
ancestry as
Australian or
Anglo-Celtic exceeded 81% of all residents (national average was 65.2%). In excess of 58% of all residents in the City of Lake Macquarie nominated a
religious affiliation with
Christianity at the 2011 census, which was slightly higher than the national average of 50.2%. Meanwhile, as at the census date, compared to the national average, households in the Lake Macquarie local government area had a significantly lower than average proportion (5.4%) where two or more languages are spoken (national average was 20.4%); and a significantly higher proportion (93.0%) where
English only was spoken at home (national average was 76.8%). ==Economics==