The urban structure of Wollongong is a vibrant mix of bustling city life, residential zones, and scenic coastal areas. The inner-city area encompasses the suburbs of Wollongong and North Wollongong, extending from Fairy Meadow in the north to Greenhouse Park in the south. At the 2016 census, Wollongong had a population of 18,442, making it a thriving urban area at the core of the city.

The central business district (CBD) serves as the commercial hub, home to numerous department stores, specialty shops, offices, and entertainment venues. It is centered around the Crown Street Mall and Wollongong Central, and is bordered by Market, Corrimal, and Burelli streets and the railway line. Surrounding the CBD is a mix of parks, reserves, light commercial properties, and a combination of houses and multi-story residential buildings. The area north-east of the CBD, especially around Smith’s Hill, reflects the growing trend of inner-city living combined with coastal views and a beachside lifestyle.

To the east, Flagstaff Point stands as a rocky headland with eroded cliffs topped by a grassy hill, offering a glimpse of the city’s colonial past. The point was excavated by convict labour to form Belmore Basin, which was later extended to create Wollongong Harbour. This area is home to a historic colonial fort, restored cannons, and two iconic lighthouses that are a unique feature of the east coast of Australia. The Wollongong Breakwater Lighthouse, built in 1871 from wrought iron plates, marks the entrance to the harbour and has become a symbol of the city. A second lighthouse, the Wollongong Head Lighthouse, was constructed in 1936 on Flagstaff Hill and continues to serve the area.

The city’s main beaches, North Wollongong Beach and Wollongong City Beach, offer stunning views and are popular destinations for both locals and tourists. North Wollongong Beach, stretching from the harbour to Fairy Lagoon and Puckey's Estate Reserve, is a prime spot for beachgoers. Wollongong City Beach, extending south from Flagstaff Point to Coniston Beach, further enhances the city’s coastal appeal.

With its unique combination of commercial, residential, and natural spaces, Wollongong offers a balanced urban environment with a vibrant coastal atmosphere that appeals to both residents and visitors alike.