Fern Bay is in Port Stephens LGA, NSW, postcode 2295, with population 4,046.
The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.
Transport coverage adds a practical access signal.
Houses to Q4'25 · Units to 2024 — house and unit medians are released on separate cycles, so their latest period can differ.
At / near its all-time high
Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection.
Owners with a mortgage repay a median of $2,299/mo, while renters pay about $3,337/mo — renting runs $1,038/mo higher on these medians.
Fern Bay is a compact suburb in New South Wales within the Port Stephens local government area (postcode 2295). It is home to about 4,046 residents, with a settled mid-life population and a median age of 43. Households earn a median income of $75K per year, with an average household size of 2.4 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.3% year-on-year at the LGA level. NSW employment has moved +0.3% year-on-year in the official Jobs and Skills Australia NERO series, which provides the broader jobs backdrop for this suburb. NSW also had 37 Commonwealth-backed major projects under construction, 5 underway, and 75 in planning as at 2 October 2024, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are professionals, technicians & trades, community & personal service. Employment in the area leans toward healthcare and public admin & safety. The top ancestries reported are English, Australian, Irish.
Median house prices in Fern Bay stand at $965,000, having risen modestly by 1% over the last twelve months. Units have a median price of $678,000 (-6.5% YoY). The current median weekly rent is $770. This gives a gross rental yield of approximately 4.1%. The median monthly mortgage repayment is $2,299.
Fern Bay is served by 1 school, including 1 primary. The average ICSEA score is 1002, which is around the national average of 1,000. Public transport access includes 16 bus stops. The crime rate in the Port Stephens LGA is below average at 3,152 incidents per 100,000 population.
Looking at the investment signals, Gross rental yield sits at around 4.1% (moderate yield). Property prices sit below the state median ($965K/$1.5M), which can point to relative value. The price-to-income ratio of 12.9x is considered stretched. House prices have moved +1.0% year-on-year. Population growth of +1.3% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.
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There is enough direct local evidence on Fern Bay for a first-pass decision.
QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.
Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records
Use current rent as a starting signal, not as a fixed underwriting truth.
Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.
Fern Bay is in the Port Stephens Local Government Area, NSW, postcode 2295. Council-level context for Port Stephens LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.
The current median house price in Fern Bay, NSW is $965K, based on the latest available sales data from state Valuers General offices and ABS Data by Region.
The median weekly rent in Fern Bay is $770/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.
Rent-pressure candidate: Fern Bay rents screen above the local benchmark. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.
QuickProperty's investment signals for Fern Bay show: Moderate Yield, Below Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.
Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.
Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.