Located in New South Wales within the Port Stephens local government area, Fingal Bay is a small locality (postcode 2315). It is home to about 1,635 residents, with an older demographic and a median age of 63. Households earn a median income of $58K per year, with an average household size of 2.1 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 +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 community & personal service, professionals, technicians & trades. Employment in the area leans toward accommodation & food and construction. The top ancestries reported are English, Australian, Irish.
Median house prices in Fingal Bay sit at $1.3 million, little changed on a year ago. Units have a median price of $906,000 (+20% YoY). The current median weekly rent is $632. This gives a gross rental yield of approximately 2.6%. 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 3,252 incidents per 100,000 population.
Looking at the investment signals, Fingal Bay shows a gross rental yield of approximately 2.6%, rated as low yield. Property prices are near the state median ($1.3M/$1.5M). The price-to-income ratio of 22.1x is considered stretched. House prices have moved +0.2% 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.