Fingal Bay NSW

Postcode 2315 · Port Stephens LGA

Fingal Bay is a small community in New South Wales within the Port Stephens local government area (postcode 2315). With a population of 1,635, the suburb has an older demographic with a median age of 63. Households earn a median income of $58K per year, with an average household size of 2.1 people. The most common occupations are community & personal service, professionals, technicians & trades. The top ancestries reported are English, Australian, Irish.

The median house price in Fingal Bay is $1.4 million, having grown strongly 8.5% over the past year. Units have a median price of $893,000 (+18.2% YoY). The current median weekly rent is $650. This gives a gross rental yield of approximately 2.5%. The median monthly mortgage repayment is $1,733.

Public transport access includes 21 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, Fingal Bay offers a gross rental yield of 2.5%, rated as low yield. Property prices are near the state median ($1.4M/$1.5M). The price-to-income ratio of 23.6x is considered stretched. House prices have moved +8.5% year-on-year.

INVESTMENT SIGNALS
Rental Yield2.5% Low Yield
Price vs State$1.4M/$1.5M Near Median
Affordability23.6x Stretched
Price Momentum+8.5% Rising
SEIFA INDEX (ABS)
Advantage4/10
Education3/10
Economic3/10
Disadvantage3/10
MEDIAN HOUSE
$1.4M
8.5% YoY
MEDIAN UNIT
$893K
18.2% YoY
MEDIAN RENT /WK
$390
POPULATION
1,635
DEMOGRAPHICS
Median Age63
Household Size2.1
HH Income /wk$1,114
Personal Income /wk$573
Mortgage /mth$1,733
CRIME (Port Stephens LGA)
Crime Rate (per 100k)3,106
Total Incidents2,451
TRANSPORT
Bus Stops21
Data: 2025