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Aerial view of Fingal Bay, NSW

Aerial view

Imagery © Esri

The quick read on

Fingal Bay

NSW 2315 · Port Stephens

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

Median house
$1,320,000

latest suburb median

Median unit
$828,000

latest suburb median

Population
1,635

ABS 2021

Postcode
2315

Fingal Bay, New South Wales

Property market insights for Fingal Bay

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

Median price trend for houses

Based on 24 sales in the preceding 12 months

$1,320,000

Up 5.2% over 12 months

$1.5m$1m$500k20212023202420252026
3 bed
$1.1m
4 bed
$2.01m
5+ bed
$1.62m

Median rent trend for houses

Based on 18 rental listings in the preceding 12 months

$620 per week

Down 8.1% over 12 months

$700$600$500$40020212023202420252026

Market data updated October 2026.

The median house price in Fingal Bay, NSW is currently $1,320,000, based on the latest 12 months of sales. Fingal Bay has a 12-month growth rate of 5.2% for houses and 4.4% for units.

Three-bedroom houses have a median sale price of $1,100,000, Four-bedroom houses have a median sale price of $2,010,000, Larger houses have a median sale price of $1,620,000 in Fingal Bay.

If you're looking to lease, the median rent for houses in Fingal Bay is $620 per week. The median house rent has decreased 8.1% over the last 12 months.

The median price of apartments and units for sale in Fingal Bay is $828,000, which has increased 4.4% since the same time last year. Two-bedroom apartments and units have a median sale price of $705,000, Three-bedroom apartments and units have a median sale price of $830,000 in Fingal Bay. The median rent for units and apartments in Fingal Bay is $600 per week and has remained unchanged over the last 12 months.

Crime and safety

Is Fingal Bay safe?

The overall rate for Fingal Bay is 2,477 offences per 100,000 residents — 25% 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 Fingal Bay.

Overall crime rate

2,477

offences per 100,000 residents

25% belowRest of NSW

Fingal 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 Fingal Bay?

Fingal Bay NSW 2315 is in New South Wales, within Rest of NSW.

1,635 people call Fingal Bay home, with an average of 2.1 people per household and a median household income of $1,114 a week.

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

Population
1,635
Median age
63 years
Median mortgage
$1,733 / month
2021 household rent
$390 / week
Above the benchmarkBelow the benchmarkIn lineRest of NSW benchmark

Age profile

Share of residents in each age band.

Under 1510.5%Below
15–3411.2%Below
35–5414.8%Below
55–7440.1%Above
75 and over23.9%Above

Homes

Share of occupied private dwellings.

Separate houses51.9%Below
Townhouses45.8%Above
Apartments1.0%Below

Ownership

Share of homes with a stated ownership or rental status.

Owned outright56.6%Above
Paying a mortgage17.0%Below
Renting26.4%Below

Cars at home

Vehicles available to occupied households.

No car4.7%Below
One car50.4%Above
Two cars34.2%Below
Three or more11.3%Below

Getting to work

Selected ways residents worked or travelled on Census day.

Worked from home17.6%Above
Drove to work54.5%Below
Train, tram or bus0.0%Below
Walked or cycled3.2%In line

What stands out in Fingal Bay

17.6% of workers in Fingal Bay worked from home on Census day.

4.8% of Fingal Bay residents were born in England.

33.6% of people in Fingal Bay described themselves as having no religion in the 2021 Census.

A closer look at the Census

Questions people ask about Fingal Bay

Open any question for a plain-English reading of the public 2021 Census for Fingal Bay NSW 2315.

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

10.5% of Fingal Bay's residents were children under 15 in the 2021 Census. That is well below the Rest of NSW average.

489 family households lived in Fingal Bay; 21.9% were couple families and 11.9% were one-parent families.

19.6% of local families included children under 15. That is well below the Rest of NSW average.

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

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

Fingal Bay had 1,635 residents at the 2021 Census.

11.8% of residents were aged 25 to 44.

64.0% were 55 or older. That is well above the Rest of NSW average.

Age shares use the suburb’s total Census population.

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

Separate houses made up 51.9% of occupied private dwellings in Fingal Bay.

Townhouses and other attached homes represented 45.8% of occupied private dwellings.

Flats and apartments accounted for 1.0% of occupied private dwellings.

All three shares use occupied private dwellings as the denominator.

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

56.6% of households with a stated tenure owned their home outright. That is well above the Rest of NSW average.

17.0% were buying their home with a mortgage.

26.4% rented their home. That is close to the Rest of NSW average.

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

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

The average household in Fingal Bay had 2.1 people.

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

Two-person households represented 49.2%, while 10.5% had four or more usual residents.

Household size counts usual residents in occupied homes.

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

17.6% of workers worked from home on Census day. That is close to the Rest of NSW average.

54.5% drove a car as their only travel method. That is somewhat below the Rest of NSW average.

0.0% used only a train, tram or bus, while 3.2% walked or cycled.

Travel figures are a 2021 Census-day snapshot.

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

4.7% of occupied households had no motor vehicle available. That is close to the Rest of NSW average.

One-car households formed 50.4% of the total.

45.6% of households had two or more vehicles.

Vehicle counts refer to occupied households, not individual residents.

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

59.3% were at the same address five years earlier, while 40.7% reported a different address.

13.5% of residents were born outside Australia. That is close to the Rest of NSW average.

Mobility figures cover residents who answered the relevant Census question.

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

89.1% of residents used only English at home.

2.8% used a language other than English at home.

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

Home language is separate from English proficiency.

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

13.5% of Fingal Bay's population was born outside Australia, while roughly 86.5% was born in Australia.

0.0% of residents were born in China.

0.0% were born in India, while Australian citizenship across the whole suburb stood at 88.9%.

Birthplace, citizenship and ancestry describe different parts of identity.

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

English ancestry accounted for 46.9% of ancestry responses in Fingal Bay.

Australian ancestry made up 36.1% of responses.

Chinese ancestry represented 0.5% of responses.

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

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

15.8% of employed residents worked in professional occupations. That is somewhat below the Rest of NSW average.

Managers accounted for 13.0% of employed residents, while clerical and administrative workers made up 11.1%.

Health care and social assistance employed 11.7% of workers, and education and training employed 8.3%.

Occupation and industry figures describe employed residents of the suburb.

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

The labour-force participation rate was 36.2%, compared with 56.4% across Rest of NSW.

14.2% of residents aged 15 and over worked full time, while 15.7% worked part time.

Unemployment was 5.3%, compared with 4.6% across Rest of NSW.

Labour-force figures come from the 2021 Census.

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

45.6% reported no selected long-term health condition.

8.0% reported a long-term mental health condition, including depression or anxiety.

7.7% reported asthma, 19.1% arthritis and 6.4% diabetes excluding gestational diabetes.

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

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

16.1% of people in the qualifications table held a bachelor degree. That is somewhat below the Rest of NSW average.

Postgraduate degrees accounted for 4.3% of qualification responses.

Diploma-level qualifications represented 13.4%, while certificate-level qualifications represented 40.8%.

Qualification categories are reported separately and are not school ratings.

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

Median household income was $1,114 per week in the 2021 Census.

The median monthly mortgage repayment reported by local households was $1,733.

Occupied renting households reported a median rent of $390 per week.

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

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

Working from home was 17.6% in Fingal Bay, compared with 15.7% across Rest of NSW.

Outright ownership was 56.6% locally and 39.6% across Rest of NSW. That is well above the Rest of NSW average.

Renting accounted for 26.4% in Fingal 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 Fingal Bay

Is Fingal Bay expensive?

The median house price is $1,320,000, while units and apartments sit at $828,000. Bedroom count, land and condition still create a wide range around those suburb medians.

Is Fingal Bay good for families?

The Census counted 489 local families, and 10.5% 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 Fingal Bay?

Larger houses have a median around $1,620,000, 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 Fingal Bay

46 streets in Fingal Bay

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

  • Ala Moana
  • Amaroo Cr
  • Amaroo St
  • Bent St
  • Bombora Pl
  • Boulder Bay Rd
  • Buderi Cl
  • Condowie St
  • Coral St
  • Creswell Pl
  • Crystal Cl
  • Darramba Rd
  • Euroka St
  • Farm Rd
  • Garuwa St
  • Gooyah St
  • Iluka Cl
  • Impara St
Show all 46 streets
  • Jellicoe Cl
  • Jippi St
  • Kalyan St
  • Karloo St
  • Kiah Cl
  • Legana Cl
  • Lentara St
  • Marine Dr
  • Market St
  • Muraban St
  • Nowrainie St
  • Orana St
  • Pacific Dr
  • Pebble Pde
  • Pinaroo St
  • Quandong Ext St
  • Reef Cl
  • Rocky Point Rd
  • Rumaiy St
  • Shoreline Dr
  • Short St
  • Squire Street
  • Surf Cl
  • Surf Rd
  • Toowoon St
  • Tuna Cr
  • Whitesands Rd
  • Yatamah St

Keep exploring

Is Fingal 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.