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Suburb profile ·Ballina LGA · NSW ·2479

Fernleigh NSW 2479

Fernleigh is in Ballina LGA, NSW, postcode 2479, with population 298.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$825/wk
Falling
-5.7% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2479 · May 2026
$1200
$800
Mar 2025May 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$2.0M
House median, latest period
25.2%YoY D10 vs AU
Median rent
$825/wk
Rent-pressure candidate
5.7%YoY D10 vs AU
Gross yield
2.1%
Low yield band
D6 vs AU
Population
48,603
49K via Ballina LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
1,814
147 added 12mo · 14MW
Price cycleCorrecting
LowPeak

25.2% below peak · 220.9% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2010Peak · 2022

25.2% below peak · 220.9% above its low

Price growth (compound)% per year
3-yr
+3.5%
5-yr
-0.3%
10-yr
+8.2%
Indicative cashflow-$1,320/wk (-$68,652/yr) · interest-only @ 6.2%, 80% LVR
Rent stabilityvolatile — rents vary ±11.3% around trend (short window, 15 pts)
Value vs advantage+62% vs suburbs of similar SEIFA advantage (decile 8)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size).

Investor profile

Who invests in Fernleigh

Owner-occupied 79%Rented 21%
Investor activityATO
Negatively geared6.6%
254 of 808 landlords
Avg rental loss$11,475/yr
Landlords (rental income)808
Reported capital gains475
Investor exposure index(moderate vs national)71/100
The read

Owner-occupier stronghold

74% of homes here are owner-occupied and 20% rented, with 7% of landlords negatively geared.

Why it fits

74% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.1% is thin — returns here lean on capital growth, not cash flow.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

111%
of household income to service a new loan
25.8 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $9,750/mo vs median rent $3,575/mo (+173% · +$1425/wk)

If rates move

At 4.0%: $7,764/mo (-1,986) · at 6.0% (current): $9,750/mo · at 8.0%: $11,933/mo (+2,183)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Higher yield

similar price · cross-LGA

Stronger 5-yr growth

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying
19.3x
median home price as a multiple of annual household income
Stretched
Renting
41%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $2,600/mo, while renters pay about $3,575/mo — renting runs $975/mo higher on these medians.

Median price
$2.03M
Household income · yr
$105K
Median rent · wk
$825
Owner mortgage · mo
$2,600
Gross yield
2.1%

Household income

$105K household · yr+27.9% vs NSW suburb median
Personal
$42K
Family
$114K
Household
$105K
Household income distribution (ABS Census 2021 · weekly)fewer than 15% could service the median house
Under $300
3
$300-649
4
$650-999
8
$1,000-1,499
16
$1,500-1,999
11
$2,000-2,999
16
$3,000-3,999
11
$4,000+
12

Serviceability line: a household needs about $7,500/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 68% of households here would spend more than 30% of income on rent (rent stress line: $2,750/wk income).

Housing stock and tenure

Tenure (100 households)
Owned outright
42%
Owned with mortgage
32%
Rented
20%
Dwelling structure4.9% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 64% drive, 0% public transport, 3% walk or cycle, 36% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA1032
Students33
Government1
  • Fernleigh Public SchoolPrimary · Government · ICSEA 1032
Crime April 2025 - March 2026
1,941
4,049 per 100k
D6 vs AU

Crime

Rate · per 100k4,049
Total incidents1,941· April 2025 - March 2026
  • Assault34646%
  • Sexual Offences14519%
  • Robbery162%
  • Break And Enter24232%

Bushfire exposure

Moderate exposure ~36.0%
~36.0% of the suburb is Bush Fire Prone Land · ~13.2% Category 1 (highest hazard)

Estimated exposure to NSW RFS Bush Fire Prone Land (CC BY), point-sampled across the suburb. This shows how much of the suburb sits within the official hazard layer — it is not a Bushfire Attack Level (BAL) rating or a property-level assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Short-term rentals

11
active listings · ~36.9 per 1,000 residents
100%
entire homes (vs private rooms)
55%
run by multi-listing operators
Investment view Estimated
$800
median nightly (entire home)
23%
estimated occupancy
$16,908
estimated annual revenue (gross)

Estimated short-let income is 0.4× the $42,900/yr a long-term let would earn at the median rent — before management fees, cleaning, vacancy beyond the occupancy model, and short-stay regulation.

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Primary Production
Rural / Green wedge 90% Other 9%

Land-use mix estimated by point-sampling the suburb against NSW EPI Land Zoning polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Population outlook

18,611 people · 202222,667 by 2032 (+21.8%)

ABS population projection (2022 base) for the Ballina Surrounds SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
Fernleigh NSW — Property Data and Demographics

Fernleigh is a small, quiet locality in New South Wales within the Ballina local government area (postcode 2479). The area has roughly 298 residents and an older-leaning population, with a median age of 50. Households earn a median income of $105K per year, with an average household size of 2.8 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.0% year-on-year at the LGA level. NSW employment has moved +1.2% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. NSW also had 35 Commonwealth-backed major projects under construction, 17 underway, and 67 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are managers, professionals, sales. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are English, Australian, Irish.

Median house prices in Fernleigh stand at $2.0 million, having dropped significantly by 25.2% over the last twelve months. The current median weekly rent is $825. This gives a gross rental yield of approximately 2.1%. The median monthly mortgage repayment is $2,600.

Fernleigh is served by 1 school, including 1 primary. The average ICSEA score is 1032, which is around the national average of 1,000. Public transport access includes 11 bus stops. The crime rate in the Ballina LGA is moderate at 4,049 incidents per 100,000 population.

From an investment perspective, Fernleigh shows a gross rental yield of approximately 2.1%, rated as low yield. Property prices are above the state median ($2.0M/$1.5M), placing it in the premium segment. The price-to-income ratio of 19.3x is considered stretched. House prices have moved -25.2% year-on-year. Population growth of +1.0% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield2.1% Low Yield
Price vs State$2.0M/$1.5M Above Median
Affordability19.3x Stretched
Price Momentum-25.2% Falling
Pop. Growth+1.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,600
Rent · wk(Census)$450
Market rent · wk(2026-05)$825
Gross yield1.2%
Price / income19.3x
Population growth · Ballina LGAABS ERP
Population (2025)48,603
5-year growth+1.3% CAGR
YoY change+1%
20012025
Development · Ballina LGAABS Approvals
Approvals (2026)153
Houses 74%Units 26%
YoY change+0%
Employment · Ballina LGASALM
Unemployment (Dec-25)2.7%
YoY change+0.2pp
Dec-10Dec-25
Property investors · Postcode 2479ATO
Negatively geared6.6%
254 of filers
Avg rental loss$11,475/yr
Landlords (rental income)808
Reported capital gains475
People & prosperity
DemographicsCensus 21
Population298
Median age50
Household size2.8
HH income · wk$2,024
Personal income · wk$805
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)8/10
Economic (IER)9/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,392 → $2,024
Change+45.4%
vs NSW median+24.8 pp
Median rent+8.4%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops11
Hospitals · Ballina LGAAIHW
Public1
Private1
Ballina District Hospitalpublic
Ballina Day Surgeryprivate
Aged care · Ballina LGAGEN
Facilities6
Residential places586
Bupa Ballina125 places
St Andrew's Village Ballina123 places
Florence Price Gardens120 places
BaptistCare Maranoa Centre - Alstonville90 places
Crowley Retirement Village77 places
Alstonville Adventist Aged Care Facility51 places
Childcare · Ballina LGAACECQA
Services26
Approved places1,531
Exceeding NQS9
Imagine Childcare and Preschool Ballina144 places
Harmony Early Education Lennox Head98 places
Goodstart Early Learning Ballina90 places
Seeds Early Learning Centre - Ballina88 places
Emmanuel Anglican College Early Learning Centre80 places
St Anne's Long Day Care Centre76 places
+20 more in Ballina LGA
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Sources & freshness
Strong evidence

Fernleigh has enough direct local evidence 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.

PRICE POSTURE
NSW price medians are parser-guarded official records.

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

RENT POSTURE
Rent is using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
NSW Valuer General · 2023 · 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
medium stability · automated · every update · weekly
Available
Market rent
NSW Fair Trading · 2026-05 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 11 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

Fernleigh FAQ

Common questions
  1. What LGA is Fernleigh in?

    Fernleigh is in the Ballina Local Government Area, NSW, postcode 2479. Council-level context for Ballina LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Fernleigh?

    The current median house price in Fernleigh, NSW is $2.0M, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in Fernleigh?

    The median weekly rent in Fernleigh is $825/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Fernleigh?

    Rent-pressure candidate: Fernleigh 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.

  5. Is Fernleigh a good investment?

    QuickProperty's investment signals for Fernleigh show: Low Yield, Above Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Fernleigh?

    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.

  7. How often is the Fernleigh data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.