Fern Bay NSW

Postcode 2295 · Port Stephens LGA

Fern Bay is a smaller suburb in New South Wales within the Port Stephens local government area (postcode 2295). With a population of 4,046, the suburb has an established demographic with a median age of 43. Households earn a median income of $75K per year, with an average household size of 2.4 people. The most common occupations are professionals, technicians & trades, community & personal service. The top ancestries reported are English, Australian, Irish.

The median house price in Fern Bay is $1.2 million, having surged 21.2% over the past year. Units have a median price of $698,000 (+2.9% YoY). The current median weekly rent is $750. This gives a gross rental yield of approximately 3.3%. 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 3,106 incidents per 100,000 population.

From an investment perspective, Fern Bay offers a gross rental yield of 3.3%, rated as moderate yield. Property prices are near the state median ($1.2M/$1.5M). The price-to-income ratio of 15.7x is considered stretched. House prices have moved +21.2% year-on-year.

INVESTMENT SIGNALS
Rental Yield3.3% Moderate Yield
Price vs State$1.2M/$1.5M Near Median
Affordability15.7x Stretched
Price Momentum+21.2% Rising
SEIFA INDEX (ABS)
Advantage5/10
Education5/10
Economic6/10
Disadvantage6/10
MEDIAN HOUSE
$1.2M
21.2% YoY
MEDIAN UNIT
$698K
2.9% YoY
MEDIAN RENT /WK
$510
POPULATION
4,046
DEMOGRAPHICS
Median Age43
Household Size2.4
HH Income /wk$1,435
Personal Income /wk$735
Mortgage /mth$2,299
CRIME (Port Stephens LGA)
Crime Rate (per 100k)3,106
Total Incidents2,451
TRANSPORT
Bus Stops16
SCHOOLS (1)
Avg ICSEA1002
Total Students182
Government1
Fern Bay Public SchoolPrimary · Government · ICSEA 1002
Data: 2026