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Suburb profile ·Tweed LGA · NSW ·2487

Fingal Head NSW 2487

Fingal Head is in Tweed LGA, NSW, postcode 2487, with population 615.

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.

$1100/wk
Rising
+28.3% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2487 · Jun 2026
$1100
$800
Jun 2025Jun 2026
What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Small local population makes the signal set more fragile.

Median house
$1.6M
House median, latest period
9.0%YoY D9 vs AU
Median rent
$1100/wk
Rent-pressure candidate
28.3%YoY D10 vs AU
Gross yield
3.5%
Below investor band
D10 vs AU
Population
615
615 local footprint
D7 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
4,334
248 added 12mo · 30MW
Price cycleCorrecting
LowPeak

16.2% below peak · 150.0% above its low

See trend depth →

Price history

Houses to Q3'23 · Units to 2025 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionCorrecting
Low · 2008Peak · 2023

16.2% below peak · 150.0% above its low

Price growth (compound)% per year
3-yr
-1.2%
5-yr
+3.5%
10-yr
+7.3%
Indicative cashflow-$800/wk (-$41,580/yr) · interest-only @ 6.4%, 80% LVR
Market turnover8.9% of homes traded/yr (21 sales)
Rent stabilityvolatile — rents vary ±6.5% around trend (short window, 13 pts)
Value vs advantage+66% vs suburbs of similar SEIFA advantage (decile 6)

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).

Investment grade

Dgrade · 27/100 · top 73% of 3,604AU suburbs
Peer distributionstronger than 27% of AU suburbs
WeakerTypicalStronger
Capital growth12
Rental yield68
Stability21
Volatility-18.0ppCycle-1.0

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Fingal Head

Owner-occupied 68%Rented 32%
Investor activityATO
Negatively geared7.1%
642 of 1,740 landlords
Avg rental loss$8,447/yr
Landlords (rental income)1,740
Reported capital gains1,149
Investor exposure index(high vs national)82/100
The read

Mixed owner-renter market

64% of homes here are owner-occupied and 31% rented, with 7% of landlords negatively geared.

Why it fits

A balanced 64% owner-occupier / 31% renter mix.

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

Mortgage affordability

116%
of household income to service a new loan
26.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $8,085/mo vs median rent $4,767/mo (+70% · +$766/wk)

If rates move

At 4.2%: $6,455/mo (-1,630) · at 6.2% (current): $8,085/mo · at 8.2%: $9,870/mo (+1,786)

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
19.7x
median home price as a multiple of annual household income
Stretched
Renting
68%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $2,350/mo, while renters pay about $4,767/mo — renting runs $2,417/mo higher on these medians.

Median price
$1.65M
Household income · yr
$84K
Median rent · wk
$1,100
Owner mortgage · mo
$2,350
Gross yield
3.5%

Household income

$84K household · yr+2% vs NSW suburb median
Personal
$41K
Family
$103K
Household
$84K
Household income distribution (ABS Census 2021 · weekly)fewer than 13% could service the median house
Under $300
5
$300-649
26
$650-999
26
$1,000-1,499
34
$1,500-1,999
22
$2,000-2,999
33
$3,000-3,999
24
$4,000+
26

Serviceability line: a household needs about $6,219/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 84% of households here would spend more than 30% of income on rent (rent stress line: $3,667/wk income).

Housing stock and tenure

Tenure (229 households)2.2% social housing
Owned outright
42%
Owned with mortgage
23%
Rented
31%
Dwelling structure15.6% of dwellings unoccupied on census night
Separate house
77%
Townhouse / semi
7%
Flat / apartment
8%

Getting to work: 69% drive, 0% public transport, 1% walk or cycle, 22% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA934
Students33
Government1
  • Fingal Head Public SchoolPrimary · Government · ICSEA 934

Livability

22/ 100 livability index

Top 78% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 22% of Australian suburbs
WeakerTypicalStronger
Everyday access19
Public transport (4 stops)21
Schools & hospitals25

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Crime April 2025 - March 2026
3,510
3,518 per 100k
D5 vs AU

Crime

Rate · per 100k3,518
Total incidents3,510· April 2025 - March 2026
  • Assault78860%
  • Sexual Offences20616%
  • Robbery131%
  • Break And Enter29723%

Building due diligence

Construction requirements can change by location.

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone land

High broad-area context

About 55.1% of the suburb intersects mapped bushfire-prone land.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire exposure

High exposure ~55.1%
~55.1% of the suburb is Bush Fire Prone Land · ~20.3% 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

13
active listings · ~21.1 per 1,000 residents
100%
entire homes (vs private rooms)
31%
run by multi-listing operators
Investment view Estimated
$285
median nightly (entire home)
17%
estimated occupancy
$21,967
estimated annual revenue (gross)

Estimated short-let income is 0.4× the $57,200/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 Deferred Matter
Other 80% Residential 7% Rural / Green wedge 1%
Residential density: Low

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

14,887 people · 202215,561 by 2032 (+4.5%)

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

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

Fingal Head (postcode 2487) is a close-knit residential community in New South Wales within the Tweed local government area. With a population of 615, the suburb has a settled, mature resident base with a median age of 46. Households earn a median income of $84K per year, with an average household size of 2.6 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.7% 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 professionals, managers, community & personal service. Employment in the area leans toward healthcare and construction. The top ancestries reported are English, Australian, Irish.

Fingal Head has a median house price of $1.6 million, which has fallen sharply by 9% year-on-year. Units have a median price of $1.1 million (+56.5% YoY). The current median weekly rent is $1100. This gives a gross rental yield of approximately 3.5%. The median monthly mortgage repayment is $2,350.

Fingal Head is served by 1 school, including 1 primary. The average ICSEA score is 934, which is below the national average of 1,000. Public transport access includes 4 bus stops. The crime rate in the Tweed LGA is below average at 3,518 incidents per 100,000 population.

From an investment perspective, Fingal Head shows a gross rental yield of approximately 3.5%, rated as moderate yield. Property prices are near the state median ($1.6M/$1.5M). The price-to-income ratio of 19.7x is considered stretched. House prices have moved -9.0% year-on-year. Population growth of +0.7% 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 Yield3.5%· Moderate Yield
Price vs State$1.6M/$1.5M· Near Median
Affordability19.7x Stretched
Price Momentum-9.0% Falling
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,350
Rent · wk(Census)$400
Market rent · wk(2026-06)$1100
Gross yield1.3%
Price / income19.7x
Sales vol (latest Q)(2023-Q3)5
Population growth · Tweed LGAABS ERP
Population (2025)101,044
5-year growth+0.9% CAGR
YoY change+0.7%
20012025
Development · Tweed LGAABS Approvals
Approvals (2026)310
Houses 52%Units 48%
YoY change+0%
Employment · Tweed LGASALM
Unemployment (Dec-25)3.1%
YoY change-0.1pp
Dec-10Dec-25
Property investors · Postcode 2487ATO
Negatively geared7.1%
642 of filers
Avg rental loss$8,447/yr
Landlords (rental income)1,740
Reported capital gains1,149
People & prosperity
DemographicsCensus 21
Population615
Median age46
Household size2.6
HH income · wk$1,614
Personal income · wk$794
Persons / bedroom0.9
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)8/10
Economic (IER)5/10
Disadvantage (IRSD)8/10
Income momentumCensus 16→21
HH income · wk$1,208 → $1,614
Change+33.6%
vs NSW median+13 pp
Median rent+11.1%
gentrifyingvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining1
TransportGTFS
Bus stops4
Hospitals · Tweed LGAAIHW
Public2
Private1
Murwillumbah District Hospitalpublic
The Tweed Hospitalpublic
Tweed Day Surgeryprivate
Aged care · Tweed LGAGEN
Facilities17
Residential places1,349
Bupa Pottsville Beach154 places
Tweed River Care Community120 places
Bolton Clarke Heritage Lodge115 places
Uniting Kingscliff112 places
Tweed Valley Care Community111 places
Infinite Care Tweed109 places
+11 more in Tweed LGA
Childcare · Tweed LGAACECQA
Services54
Approved places3,414
Exceeding NQS13
Kids Club Tweed Heads132 places
Flying Start120 places
Story House Early Learning Chinderah118 places
LITTLE GROMMETS EARLY LEARNING CENTRE114 places
Active OOSH Centaur113 places
Guardian Childcare & Education Murwillumbah110 places
+48 more in Tweed LGA
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Sources & freshness
Strong evidence

Fingal Head carries 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-Q3 · 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 · 2026-06 · 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 · 4 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.

Fingal Head FAQ

Common questions
  1. What LGA is Fingal Head in?

    Fingal Head is in the Tweed Local Government Area, NSW, postcode 2487. Council-level context for Tweed LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Fingal Head?

    The current median house price in Fingal Head, NSW is $1.6M, 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 Fingal Head?

    The median weekly rent in Fingal Head is $1100/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Fingal Head?

    Rent-pressure candidate: Fingal Head 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 Fingal Head a good investment?

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

  6. Where does QuickProperty get its data for Fingal Head?

    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 Fingal Head 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.