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Terno d'Isola: what to know before buying a home

A municipality in the province of Bergamo, Lombardia. Official data on earthquakes, population, services and transport.

Liveability index free for any address

Search for an address in Terno d'Isola

The report looks at the exact point: landslide and flood risk, seismic zone, price per square metre for the area, services and nearby stops.

For example: Via Castegnate 2, Terno d'Isola.

Terno d'Isola, a young town in the Isola Bergamasca

The Isola Bergamasca is the triangle of plain and low hills enclosed by the Adda and Brembo rivers west of Bergamo, and Terno d'Isola is one of its fastest-growing towns. For decades it lived off industry and small manufacturing, and in recent years it has drawn mainly young families looking for a home at lower prices than in Bergamo or the Brianza.

The striking figure is age. Terno d'Isola has an estimated average age of 41.9, against 45.2 in the province of Bergamo, and over-65s are just 15.4%. Istat, the national statistics institute, counted 8,014 residents in 2023, up 4.6% on 2011, with households of 2.42 people on average. Foreign residents make up 12.5%. Average incomes are slightly below the provincial average.

Commuters have the train: the official timetables list a station in the town on the line from Bergamo through Ponte San Pietro towards Carnate and Milan. By car, Ponte San Pietro and the Dalmine area are quickly reached, while for Milan the traffic around the Isola and the Adda crossings adds time. The land is heavily built up, with districts of detached houses and recent blocks, and services per resident are below the provincial average, so for many things people go to neighbouring towns.

All 243 municipalities in the province of Bergamo are in seismic zone 3 of the Civil Protection classification; here the expected ground acceleration is about 0.088 g, a low value. For a recent flat, build quality and energy rating matter more, in climate zone E with cold winters.

The Revenue Agency (Agenzia delle Entrate) cadastral maps are published and the report finds the plot from the address. Near the smaller watercourses that cross the Isola, flood hazard should be read for the individual house.

Key points

  • Isola Bergamasca between Adda and Brembo, station on the Carnate line.
  • Average age 41.9; over-65s only 15.4%.
  • Population up 4.6% since 2011.
  • Seismic zone 3, expected ground acceleration about 0.088 g.

Overview

Terno d'Isola is a municipality in the province of Bergamo, in Lombardia. At the end of 2023 it had 8,014 residents, ranked 33 of 243 municipalities in the province.

Earthquakes

For Italy's Civil Protection Department, Terno d'Isola is in seismic zone 3, a zone where strong earthquakes are possible but rare. All 243 municipalities in the province are in the same zone.

In the built-up area, the expected ground shaking (peak ground acceleration, PGA) is about 0.088 g, a moderate value: the level with a 10% probability of being exceeded in 50 years, on rock.

Even in zone 3, seismic standards apply to new buildings: for an older building, ask about the design year and any structural work.

Population

Compared with the 2011 census, the resident population has grown by 4.6%. The estimated average age is 42 years, lower than the province average (45). 15% of residents are over 65 (the regional figure is 24%). Foreign residents make up 12.5% of the population. On average, a household has 2.4 members.

Income and climate

In tax year 2024, taxpayers in Terno d'Isola declared an average taxable income of 25,415 euros, below the provincial average (26,939 euros). The Italian average is 24,895 euros.

Terno d'Isola is in climate zone E, with 2,505 heating degree days: heating may be switched on from 15 October to 15 April, for up to 14 hours a day. The same table puts the town hall at 229 metres above sea level.

Services

In the official Ministry of Education and Ministry of Health lists, Terno d'Isola has 3 schools and 2 pharmacies. The Overture Maps data also lists 4 grocery shops and supermarkets, 3 healthcare facilities, 4 sports facilities and 2 parks and green areas.

There are 0.4 schools per 1,000 residents, fewer than the province average (0.9).

Public transport

Within the municipality there are 1 public transport stops, served by 1 bus line, 1 train line. That is about 0.1 stops per 1,000 residents.

How built-up it is

Buildings, roads, car parks and other sealed surfaces cover 40.8% of the land in Terno d'Isola, compared with 12.0% in the province and 12.2% in the region. In 2024 built-up land stayed almost the same.

Radon and contaminated sites

Terno d'Isola is not among the radon priority areas designated by the Regione Lombardia in 2023. Radon varies from building to building and can only be known by measuring it, especially on ground floors and in basements.

Official databases list one contaminated site, or site still under investigation, in Terno d'Isola. The report tells you whether one is close to the address.

Landslides and flooding

Landslide and flood hazard changes from one street to the next even within Terno d'Isola: the report checks the address against the ISPRA maps.

House prices

The Revenue Agency's price ranges per square metre (OMI) apply to zones, not to whole municipalities: the report gives the range for the address's zone.

Land registry

The cadastral maps for Terno d'Isola are public: from the address the report finds the sheet and parcel number.

Liveability area by area

The Vicinalia liveability index runs from 0 to 100 and looks at the place, not the people who live there: services within walking distance, transport, green space, natural hazards, air, quiet, buildings and connection. Here it is worked out at the centre of each of the 31 inhabited census areas in Terno d'Isola. Half of the residents live in areas scoring 74 or more.

Residents by band

  • fair 0.1%
  • good 89.9%
  • very good 10.0%

Vicinalia index by census area, licence CC BY-SA 4.0. Data: IdroGEO ISPRA (2026), Istat, INGV, EEA, AGCOM, Overture Maps and OpenStreetMap.

The colour is the value at the centre of the area. For an exact address, search for it above: the free check looks at that exact point. How the index is worked out

Data sources

ISTAT code 016213. The text on this page is generated automatically from the data.