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Aerial view of Fern Bay, NSW

Aerial view

Imagery © Esri

The quick read on

Fern Bay

NSW 2295 · Port Stephens

What homes cost, how rents have moved, and a feel for the people who call it home.

Median house
$1,100,000

latest suburb median

Median unit
$790,000

latest suburb median

Population
4,046

ABS 2021

Postcode
2295

Fern Bay, New South Wales

Property market insights for Fern Bay

Median sale price and rental income of properties in Fern Bay NSW

Median price trend for houses

Based on 67 sales in the preceding 12 months

$1,100,000

Up 14.7% over 12 months

$1.2m$1m$800k20212023202420252026
2 bed
$750k
3 bed
$920k
4 bed
$1.1m
5+ bed
$1.35m

Median rent trend for houses

Based on 50 rental listings in the preceding 12 months

$750 per week

Up 7.1% over 12 months

$800$700$600$50020212023202420252026

Market data updated October 2026.

The median house price in Fern Bay, NSW is currently $1,100,000, based on the latest 12 months of sales. Fern Bay has a 12-month growth rate of 14.7% for houses and 20.2% for units.

Two-bedroom houses have a median sale price of $750,000, Three-bedroom houses have a median sale price of $920,000, Four-bedroom houses have a median sale price of $1,100,000, Larger houses have a median sale price of $1,350,000 in Fern Bay.

If you're looking to lease, the median rent for houses in Fern Bay is $750 per week. The median house rent has increased 7.1% over the last 12 months.

The median price of apartments and units for sale in Fern Bay is $790,000, which has increased 20.2% since the same time last year. Two-bedroom apartments and units have a median sale price of $351,000, Three-bedroom apartments and units have a median sale price of $826,000 in Fern Bay. The median rent for units and apartments in Fern Bay is $700 per week and has remained unchanged over the last 12 months.

Crime and safety

Is Fern Bay safe?

The overall rate for Fern Bay is 1,007 offences per 100,000 residents — 69% below the Rest of NSW benchmark.

That is the clearest suburb-wide answer. Open the detailed profile to see how the pattern changes across offence types and different parts of Fern Bay.

Overall crime rate

1,007

offences per 100,000 residents

69% belowRest of NSW

Fern BayRest of NSW: 3,298

Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.

The people behind the postcode

Who lives in Fern Bay?

Fern Bay NSW 2295 is in New South Wales, within Rest of NSW.

4,046 people call Fern Bay home, with an average of 2.4 people per household and a median household income of $1,435 a week.

Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.

Population
4,046
Median age
43 years
Median mortgage
$2,299 / month
2021 household rent
$510 / week
Above the benchmarkBelow the benchmarkIn lineRest of NSW benchmark

Age profile

Share of residents in each age band.

Under 1519.9%Above
15–3418.5%Below
35–5422.1%Below
55–7426.9%Above
75 and over12.7%Above

Homes

Share of occupied private dwellings.

Separate houses97.6%Above
Townhouses1.6%Below
Apartments0.2%Below

Ownership

Share of homes with a stated ownership or rental status.

Owned outright48.3%Above
Paying a mortgage27.0%Below
Renting24.7%Below

Cars at home

Vehicles available to occupied households.

No car4.4%Below
One car42.4%Above
Two cars38.5%Above
Three or more14.4%Below

Getting to work

Selected ways residents worked or travelled on Census day.

Worked from home26.1%Above
Drove to work52.0%Below
Train, tram or bus0.0%Below
Walked or cycled0.6%Below

What stands out in Fern Bay

26.1% of workers in Fern Bay worked from home on Census day — noticeably more common than across Rest of NSW.

4.0% of Fern Bay residents were born in England.

38.2% of people in Fern Bay described themselves as having no religion in the 2021 Census.

A closer look at the Census

Questions people ask about Fern Bay

Open any question for a plain-English reading of the public 2021 Census for Fern Bay NSW 2295.

Is Fern Bay family-friendly?Age, family structure and household size describe the community families would be joining.

19.9% of Fern Bay's residents were children under 15 in the 2021 Census. That is close to the Rest of NSW average.

1,138 family households lived in Fern Bay; 40.3% were couple families and 9.9% were one-parent families.

37.8% of local families included children under 15. That is somewhat above the Rest of NSW average.

These are suburb-wide household figures, not school or childcare ratings.

What is the age profile of Fern Bay?The balance between younger adults, families and older residents changes how a suburb feels day to day.

Fern Bay had 4,046 residents at the 2021 Census.

24.2% of residents were aged 25 to 44.

39.6% were 55 or older. That is somewhat above the Rest of NSW average.

Age shares use the suburb’s total Census population.

What kind of homes are in Fern Bay?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.

Separate houses made up 97.6% of occupied private dwellings in Fern Bay.

Townhouses and other attached homes represented 1.6% of occupied private dwellings.

Flats and apartments accounted for 0.2% of occupied private dwellings.

All three shares use occupied private dwellings as the denominator.

Do people own or rent in Fern Bay?Tenure shows how many households own outright, have a mortgage or rent.

48.3% of households with a stated tenure owned their home outright. That is well above the Rest of NSW average.

27.0% were buying their home with a mortgage.

24.7% rented their home. That is somewhat below the Rest of NSW average.

Tenure shares include households that stated one of these three arrangements.

How large are households in Fern Bay?Household-size data shows the mix behind the suburb-wide average.

The average household in Fern Bay had 2.4 people.

One-person households made up 29.9% of occupied homes. That is close to the Rest of NSW average.

Two-person households represented 36.2%, while 21.5% had four or more usual residents.

Household size counts usual residents in occupied homes.

How do people get to work in Fern Bay?Census-day travel shows the balance between home, road, public transport and active travel.

26.1% of workers worked from home on Census day. That is well above the Rest of NSW average.

52.0% drove a car as their only travel method. That is well below the Rest of NSW average.

0.0% used only a train, tram or bus, while 0.6% walked or cycled.

Travel figures are a 2021 Census-day snapshot.

How many cars do households have in Fern Bay?Vehicle availability helps describe the routines local households can support.

4.4% of occupied households had no motor vehicle available. That is close to the Rest of NSW average.

One-car households formed 42.4% of the total.

52.9% of households had two or more vehicles.

Vehicle counts refer to occupied households, not individual residents.

Who's moving to Fern Bay, and who stays?Address history shows how settled or recently mobile residents were at the Census date.

43.9% were at the same address five years earlier, while 56.1% reported a different address.

11.9% of residents were born outside Australia. That is almost exactly typical for Rest of NSW.

Mobility figures cover residents who answered the relevant Census question.

What languages are spoken in Fern Bay?Language at home gives a direct view of the community’s everyday linguistic mix.

90.7% of residents used only English at home.

4.6% used a language other than English at home.

0.3% spoke Mandarin at home, 0.2% spoke Cantonese and 0.0% spoke Hindi.

Home language is separate from English proficiency.

Where were Fern Bay residents born?Birthplace adds another layer to the local story, separate from ancestry and language.

11.9% of Fern Bay's population was born outside Australia, while roughly 88.1% was born in Australia.

0.1% of residents were born in China.

0.1% were born in India, while Australian citizenship across the whole suburb stood at 91.6%.

Birthplace, citizenship and ancestry describe different parts of identity.

What ancestries shape Fern Bay?Ancestry responses show how residents describe family and cultural background.

English ancestry accounted for 43.5% of ancestry responses in Fern Bay.

Australian ancestry made up 40.9% of responses.

Chinese ancestry represented 1.1% of responses.

People may nominate more than one ancestry, so these are shares of responses.

What work do people do in Fern Bay?Occupation describes a person’s role; industry describes the sector employing them.

24.9% of employed residents worked in professional occupations. That is somewhat above the Rest of NSW average.

Managers accounted for 13.1% of employed residents, while clerical and administrative workers made up 12.6%.

Health care and social assistance employed 16.6% of workers, and education and training employed 9.9%.

Occupation and industry figures describe employed residents of the suburb.

How active is the workforce in Fern Bay?Participation, employment pattern and unemployment describe the resident labour force.

The labour-force participation rate was 50.4%, compared with 56.4% across Rest of NSW.

29.4% of residents aged 15 and over worked full time, while 15.4% worked part time.

Unemployment was 4.0%, compared with 4.6% across Rest of NSW.

Labour-force figures come from the 2021 Census.

What does the health profile of Fern Bay show?Selected long-term health conditions help describe community service needs.

51.7% reported no selected long-term health condition.

10.7% reported a long-term mental health condition, including depression or anxiety.

9.6% reported asthma, 14.2% arthritis and 6.3% diabetes excluding gestational diabetes.

These are self-reported suburb-wide Census figures, not address-level health risks.

How educated is Fern Bay?Qualifications describe the study pathways represented among local residents.

20.6% of people in the qualifications table held a bachelor degree. That is close to the Rest of NSW average.

Postgraduate degrees accounted for 7.0% of qualification responses.

Diploma-level qualifications represented 15.3%, while certificate-level qualifications represented 39.1%.

Qualification categories are reported separately and are not school ratings.

What do incomes and housing costs look like in Fern Bay?Census income and household payments give historical context for local living costs.

Median household income was $1,435 per week in the 2021 Census.

The median monthly mortgage repayment reported by local households was $2,299.

Occupied renting households reported a median rent of $510 per week.

These household figures are from 2021; current sale and asking-rent medians appear in the market section.

How does Fern Bay compare with Rest of NSW?A few clear differences place the suburb in its wider metropolitan context.

Working from home was 26.1% in Fern Bay, compared with 15.7% across Rest of NSW.

Outright ownership was 48.3% locally and 39.6% across Rest of NSW. That is well above the Rest of NSW average.

Renting accounted for 24.7% in Fern Bay, against 27.9% across Rest of NSW.

Capital-region comparisons use the same Census definitions and year.

Three useful questions

A buyer’s quick guide to Fern Bay

Is Fern Bay expensive?

The median house price is $1,100,000, while units and apartments sit at $790,000. Bedroom count, land and condition still create a wide range around those suburb medians.

Is Fern Bay good for families?

The Census counted 1,138 local families, and 19.9% of residents were under 15. That describes the community; school quality, travel times and the right fit for a particular family need separate research.

What can I get for $1.5m in Fern Bay?

Larger houses have a median around $1,350,000, the closest bedroom benchmark we hold to a $1.5m budget. Individual homes can differ substantially with block size, renovation and location.

Medians describe recorded market activity across the suburb; they are historical context, not a valuation or forecast for an individual home.

Explore the area

Streets and suburbs around Fern Bay

48 streets in Fern Bay

Street-by-street reports are not published yet. The streets below are the ones this suburb covers.

  • Apple St
  • Bitou
  • Bora St
  • Botanica Avenue
  • Braid Rd
  • Calder St
  • Diuris St
  • Dune Dr
  • Fin St
  • Foxtail St
  • Fullerton St
  • Glider Ave
  • Groundsel St
  • Grove St
  • Hyde Lane
  • Ironbark Dr
  • Jabiru Dr
  • Midden Rd
Show all 48 streets
  • Monkerai St
  • Munmora Ave
  • Myrtle St
  • Nagle Cl
  • Nelson Bay Rd
  • Norfolk St
  • Oimara St
  • Paperbark Ct
  • Piper St
  • Plover St
  • Popplewell Rd
  • Providence Ave
  • Rankin Rd
  • Rosemary St
  • Rushland Dr
  • Sandcastle St
  • Seaside Bvd
  • Sheoak St
  • Sovereign St
  • Spinifex St
  • Stringybark Dr
  • Sygna St
  • Taylor Rd
  • Tooroong Rd
  • Tuckeroo Cct
  • Uralla St
  • Vardon Rd
  • Water St
  • Windsurf Cct
  • Wingen St

Keep exploring

Is Fern Bay right for your search?

Use the finders to compare places and properties, or open the full report when you need the street, risk, schools and growth research.

Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.