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Suburbs›NSW›Central Coast›Phegans Bay

Phegans Bay, NSW 2256

Property data updated June 2026·406 residents
Last 12 months snapshot
8 sales · 7 leases · Refreshed June 2026

Phegans Bay, NSW 2256 market activity

Phegans Bay sees very little activity — the figures here cover a small handful of recent deals, with 8 sales at around $1.053M, taking about 59 days to sell.

House rentals sit just behind, with 7 leases at $793 a week, renting out in about 22 days.

Above-average incomeOlder communityMortgage-beltMulticulturalProfessional workforceWork-from-home hub

Who lives hereAn above-average-income, mortgage-belt, older-leaning suburb — multicultural, with a strongly professional workforce, where working from home is the norm.

House covers houses, duplexes, semi-detached and terraces; Unit covers apartments, units, townhouses and villas.

Census · ABS 2021

Snapshot

Population
406
Median age
48yrs
Avg household
2.4people
Male · Female
48% · 52%
Owner-occupied
85%
Renting
18%
Couples, no kids
32%
Families with kids
29%
Born overseas
23%
Year 12+ⓘ
71%

Phegans Bay on the map

56.2 ha
Loading map
Ranked against all suburbs
How well-off · ABS SEIFA 2021 · vs Australia
Overall advantageⓘ
Top 7%
decile 10/10
IRSAD — Index of Relative Socio-economic Advantage & Disadvantage. Combines income, education, occupation and housing. Higher = more advantaged overall.
Economic resourcesⓘ
Top 26%
decile 8/10
IER — Index of Economic Resources. Household income, rent/mortgage costs and dwelling size. Higher = more economic resources (lots of renters or students pulls it down).
Education & jobsⓘ
Top 4%
decile 10/10
IEO — Index of Education and Occupation. Residents’ qualifications and skilled occupations. Higher = a more educated, higher-skilled workforce.
IncomeMedian household incomeProfessionalsShare who are managers or professionalsDiversityBirthplace diversityMortgage stressMortgage repayments as a share of incomeTrain / busCommute by public transportNo carHouseholds with no carNew moversMoved in within the last yearRent stressRent as a share of income
Hover a point for its percentile · – – – median
LowMedianHighPercentile
Median household incomeⓘMiddle weekly income of all households — half earn more, half less.Top 26%Median household income · $2,075/wk — above average: in the top 26%, higher household income than 74% of Aussie suburbs.
Rent stress (rent ÷ income)ⓘMedian weekly rent as a share of median weekly household income — a rough rental-affordability gauge. Higher = rent takes a bigger bite.Top 35%Rent stress · 22% — above average: in the top 35%, more rent stress than 65% of Aussie suburbs.
Mortgage stress (repay ÷ income)ⓘMedian mortgage repayment (converted to weekly) as a share of median weekly household income. Higher = repayments take a bigger bite.Top 29%Mortgage stress · 27% — above average: in the top 29%, more mortgage stress than 71% of Aussie suburbs.
Birthplace diversityⓘChance two random residents were born in different countries — 0 = everyone the same, 1 = all different.Top 32%Birthplace diversity · 0.38 — above average: in the top 32%, more diverse than 68% of Aussie suburbs.
Born overseasⓘResidents born outside Australia, of those who stated a birthplace.Top 30%Born overseas · 23% — above average: in the top 30%, more overseas-born residents than 70% of Aussie suburbs.
Managers & professionalsⓘEmployed residents who work as managers or professionals.Top 9%Managers & professionals · 54% — among the highest: in the top 9%, more professionals than 91% of Aussie suburbs.
Unemployment rateⓘShare of the labour force (people working or actively looking) who are unemployed — not a share of all residents.Top 24%Unemployment rate · 5.9% — well above average: in the top 24%, more unemployment than 76% of Aussie suburbs.
Public transport to workⓘCommuters who travelled to work by train, bus, ferry or tram, of those who travelled.Bottom 1%Public transport to work · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more public-transport commuters than this suburb.
No motor vehicleⓘHouseholds with no motor vehicle.Bottom 1%No motor vehicle · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more car-free households than this suburb.
High-rise apartmentsⓘOccupied dwellings that are apartments in 4-storey-or-higher blocks.Bottom 1%High-rise apartments · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more high-rise apartments than this suburb.
Settled 5+ yearsⓘResidents living at the same address as five years ago — how settled the community is.Bottom 34%Settled 5+ years · 59% — below average: in the bottom 34%, 66% of Aussie suburbs have more long-settled residents than this suburb.
This suburb Typical range · 25–75th Median
How this suburb comparesPosition among all Australian suburbs — “Top 10%” means higher than 90% of them.
LowMedianHighPercentile
LowMedianHighPercentile
Owner-occupiedⓘHouseholds that own their home — outright or with a mortgage.Top 27%Owner-occupied · 85% — above average: in the top 27%, more owner-occupiers than 73% of Aussie suburbs.
RentingⓘHouseholds renting their home.Bottom 43%Renting · 18% — typical: right around the median for Aussie suburbs.
Owned outrightⓘHouseholds that own their home outright, with no mortgage.Bottom 36%Owned outright · 34% — below average: in the bottom 36%, 64% of Aussie suburbs have more outright owners than this suburb.
Owned with mortgageⓘHouseholds buying their home with a mortgage.Top 11%Owned with mortgage · 51% — well above average: in the top 11%, more mortgaged owners than 89% of Aussie suburbs.
Separate housesⓘOccupied dwellings that are standalone (detached) houses.Top 24%Separate houses · 99% — well above average: in the top 24%, more detached houses than 76% of Aussie suburbs.
ApartmentsⓘOccupied dwellings that are flats or apartments, any height.Bottom 1%Apartments · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more apartments than this suburb.
Median personal incomeⓘMiddle weekly income of individuals aged 15+.Top 20%Median personal income · $944/wk — well above average: in the top 20%, higher personal income than 80% of Aussie suburbs.
Median family incomeⓘMiddle weekly income of families.Top 17%Median family income · $2,571/wk — well above average: in the top 17%, higher family income than 83% of Aussie suburbs.
Low earners (<$500/wk)ⓘResidents earning under $500 per week.Bottom 31%Low earners · 32% — below average: in the bottom 31%, 69% of Aussie suburbs have more low earners than this suburb.
Low-income households (<$650/wk)ⓘHouseholds with a total income under $650 per week.Bottom 28%Low-income households · 11% — below average: in the bottom 28%, 72% of Aussie suburbs have more low-income households than this suburb.
Full-time workersⓘResidents in the labour force who are employed full-time.Top 35%Full-time workers · 38% — above average: in the top 35%, more full-time workers than 65% of Aussie suburbs.
Part-time workersⓘEmployed residents working part-time, of all employed.Bottom 25%Part-time workers · 30% — below average: in the bottom 25%, 75% of Aussie suburbs have more part-time workers than this suburb.
Not in labour forceⓘResidents 15+ neither working nor looking for work — retirees, students, carers.Bottom 28%Not in labour force · 31% — below average: in the bottom 28%, fewer out of the workforce than 72% of Aussie suburbs.
Community & personal serviceⓘEmployed residents in community and personal-service jobs — care, hospitality, security and similar.Bottom 9%Community & personal service · 7.1% — among the lowest: in the bottom 9%, 91% of Aussie suburbs have more care and service workers than this suburb.
Clerical & adminⓘEmployed residents in clerical and administrative jobs.Bottom 32%Clerical & admin · 11% — below average: in the bottom 32%, 68% of Aussie suburbs have more clerical and admin workers than this suburb.
Sales workersⓘEmployed residents in sales jobs.Bottom 19%Sales workers · 5.8% — well below average: in the bottom 19%, 81% of Aussie suburbs have more sales workers than this suburb.
Completed Year 12+ⓘResidents aged 15+ whose highest year of school is Year 12 or equivalent.Top 14%Completed Year 12+ · 71% — well above average: in the top 14%, more Year-12 completion than 86% of Aussie suburbs.
In educationⓘResidents currently attending school, TAFE or university — full or part time.Bottom 24%In education · 18% — well below average: in the bottom 24%, 76% of Aussie suburbs have more students than this suburb.
Children (0–14)ⓘResidents aged 0–14.Bottom 14%Children · 13% — well below average: in the bottom 14%, 86% of Aussie suburbs have more children than this suburb.
Seniors (65+)ⓘResidents aged 65 and over.Bottom 28%Seniors · 15% — below average: in the bottom 28%, 72% of Aussie suburbs have more seniors than this suburb.
Youth dependencyⓘChildren (0–14) for every 100 working-age residents aged 15–64.Bottom 7%Youth dependency · 17.61 — among the lowest: in the bottom 7%, fewer children per worker than 93% of Aussie suburbs.
Total dependencyⓘChildren (0–14) plus seniors (65+) for every 100 working-age residents aged 15–64.Bottom 6%Total dependency · 37.87 — among the lowest: in the bottom 6%, fewer dependants per worker than 94% of Aussie suburbs.
Australian citizensⓘResidents who are Australian citizens — Australian-born and naturalised.Bottom 46%Australian citizens · 88% — typical: right around the median for Aussie suburbs.
Both parents born overseasⓘResidents whose mother and father were both born overseas — the second generation.Top 31%Both parents born overseas · 29% — above average: in the top 31%, more second-generation residents than 69% of Aussie suburbs.
Established migrants (pre-2011)ⓘOf overseas-born residents, the share who arrived before 2011 — higher = a long-settled migrant community.Bottom 42%Established migrants · 77% — typical: right around the median for Aussie suburbs.
Vehicles per dwellingⓘAverage number of motor vehicles per household.Top 19%Vehicles per dwelling · 1.01 — well above average: in the top 19%, more vehicles per home than 81% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb

Census data sourced from the Australian Bureau of Statistics — © Commonwealth of Australia, 2021 Census of Population and Housing and Socio-Economic Indexes for Areas (SEIFA) 2021 · Shares, ratios and percentiles shown are Micromarkets transformations of that data · licensed CC BY 4.0.

Census · ABS 2021

Who lives here

The age structure, household make-up, and cultural fabric of the people who call this suburb home.

Age & sex406 residentsMaleFemale
85+0.0% · 00.0% · 080-840.0% · 00.7% · 375-790.7% · 30.7% · 370-741.9% · 82.4% · 1065-694.1% · 163.3% · 1460-646.7% · 276.0% · 2455-595.3% · 216.0% · 2450-545.7% · 235.0% · 2045-493.6% · 153.3% · 1440-442.2% · 92.9% · 1235-392.4% · 103.1% · 1330-343.6% · 154.1% · 1625-291.2% · 51.9% · 820-243.1% · 132.4% · 1015-192.9% · 122.4% · 1010-141.2% · 52.9% · 125-91.2% · 51.7% · 70-42.6% · 113.1% · 13◀ MaleFemale ▶

Share of all residents by 5-year band · hover a band for the count + split

Life stage
13%
11%
29%
24%
15%
Children0–1413%Youth15–2410%Young adults25–3411%Midlife35–5429%Mature55–6424%Seniors65+15%
Household composition
25%
32%
29%
Lone person25%Couples, no kids32%Families with kids29%Other families11%Group / share4.3%
2.4 people / household0.7 persons / bedroom5.5% are 5+ person
Household sizepersons per dwelling
25%1
40%2
22%3
12%4
5.5%5
0.0%6+
Cultural make-upshare of residents · diversity = odds two differ
Born overseasⓘResidents born outside Australia, as a share of those who stated a birthplace.23%
Other language at homeⓘResidents who mainly speak a language other than English at home — counts the language used, not how well English is spoken.9.5%
Limited EnglishⓘResidents who speak English “not well” or “not at all”. A language-barrier measure, not bilingualism — many who speak another language at home still speak English well.0.0%
Both parents overseasⓘResidents whose mother and father were both born overseas — the Australian-born-to-migrants “second generation”, distinct from being born overseas yourself.29%
Australian citizensⓘResidents who are Australian citizens — both Australian-born and people who have since naturalised.88%
Birthplace diversity38%
Chance two random residents were born in different countries
Language diversity17%
Chance two random residents speak different languages at home
Religious diversity48%
Chance two random residents follow different religions
Where residents were bornoverseas origins
England10%
Elsewhere2.3%
New Zealand2.1%
USA2.1%
France1.5%
Germany1.3%
Netherlands1.3%
Canada1.0%
Born in Australia78%
Languages at homeother than English
Spanish2.3%
Other1.8%
French1.0%
German1.0%
Mandarin0.8%
Polish0.8%
English only91%
Ancestry% reporting · multi-response
English43%
Australian38%
Irish20%
Scottish12%
Italian5.7%
Aboriginal/Torres Strait Islander3.9%
Faith & belieftap Christianity
No religion60%
▸Christianity40%
Buddhism1.1%

20% report Irish ancestry, but only 0.0% were born in Ireland — the gap is the Australian-born and diaspora Irish community, invisible in birthplace alone.

Family originsparents’ birthplace
29%
18%
52%
Both parents overseas29%One parent overseas18%Both parents in Australia52%

A mix of established and newer migrant families.

When migrants arrivedshare of overseas-born
Before 198129%
1981-200029%
2001-201019%
2011-201514%
2016-20219.0%

2020–21 understated — COVID border closures.

Census data sourced from the Australian Bureau of Statistics — © Commonwealth of Australia, 2021 Census of Population and Housing · Shares, ratios and percentiles shown are Micromarkets transformations of that data · licensed CC BY 4.0.

Census · ABS 2021

Affordability, Ownership & Housing

What it costs to live here, who owns versus rents, and the shape of the housing stock.

Affordability at a glance
LowMedianHighPercentile
Median weekly rentⓘMiddle weekly rent paid by renting households.Top 13%Median weekly rent · $460/wk — well above average: in the top 13%, higher rent than 87% of Aussie suburbs.
Median monthly mortgageⓘMiddle monthly mortgage repayment among households with a mortgage.Top 12%Median monthly mortgage · $2,392/mo — well above average: in the top 12%, higher mortgages than 88% of Aussie suburbs.
Rent stress (rent ÷ income)ⓘMedian weekly rent as a share of median weekly household income — a rough rental-affordability gauge. Higher = rent takes a bigger bite.Top 35%Rent stress · 22% — above average: in the top 35%, more rent stress than 65% of Aussie suburbs.
Mortgage stress (repay ÷ income)ⓘMedian mortgage repayment (converted to weekly) as a share of median weekly household income. Higher = repayments take a bigger bite.Top 29%Mortgage stress · 27% — above average: in the top 29%, more mortgage stress than 71% of Aussie suburbs.
High mortgage (≥$3k/mo)ⓘMortgaged households repaying $3,000 or more per month.Top 23%High mortgage · 24% — well above average: in the top 23%, more big mortgages than 77% of Aussie suburbs.
Social housingⓘHouseholds renting from a state housing authority or community housing provider.Bottom 1%Social housing · 0.0% — among the lowest: in the bottom 1%, less social housing than 100% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Bedrooms per dwellingshare of dwellings
0.0%0
2.5%1
21%2
39%3
30%4
7.5%5
0.0%6+
Who owns vs rentsoccupied dwellings
34%
51%
18%
Owned outright34%Mortgage51%Renting18%
What’s built heredwelling types
99%
House99%
99% separate houses0.0% apartments0.0% high-rise

Census data sourced from the Australian Bureau of Statistics — © Commonwealth of Australia, 2021 Census of Population and Housing · Shares, ratios and percentiles shown are Micromarkets transformations of that data · licensed CC BY 4.0.

Census · ABS 2021

Economy & Work

Incomes, employment, and the occupation mix of the people who live here.

Income & work at a glance
LowMedianHighPercentile
Median personal incomeⓘMiddle weekly income of individuals aged 15+.Top 20%Median personal income · $944/wk — well above average: in the top 20%, higher personal income than 80% of Aussie suburbs.
Median family incomeⓘMiddle weekly income of families.Top 17%Median family income · $2,571/wk — well above average: in the top 17%, higher family income than 83% of Aussie suburbs.
Managers & professionalsⓘEmployed residents who work as managers or professionals.Top 9%Managers & professionals · 54% — among the highest: in the top 9%, more professionals than 91% of Aussie suburbs.
High earners (≥$2k/wk)ⓘResidents earning $2,000 or more per week.Top 16%High earners · 19% — well above average: in the top 16%, more high earners than 84% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Occupations
LowMedianHighPercentile
Managers & professionalsⓘEmployed residents who work as managers or professionals.Top 9%Managers & professionals · 54% — among the highest: in the top 9%, more professionals than 91% of Aussie suburbs.
Clerical & adminⓘEmployed residents in clerical and administrative jobs.Bottom 32%Clerical & admin · 11% — below average: in the bottom 32%, 68% of Aussie suburbs have more clerical and admin workers than this suburb.
Community & personal serviceⓘEmployed residents in community and personal-service jobs — care, hospitality, security and similar.Bottom 9%Community & personal service · 7.1% — among the lowest: in the bottom 9%, 91% of Aussie suburbs have more care and service workers than this suburb.
Sales workersⓘEmployed residents in sales jobs.Bottom 19%Sales workers · 5.8% — well below average: in the bottom 19%, 81% of Aussie suburbs have more sales workers than this suburb.
Technicians, trades & labourersⓘEmployed residents in technical/trade, machinery-operating and labouring jobs.Bottom 18%Technicians, trades & labourers · 22% — well below average: in the bottom 18%, 82% of Aussie suburbs have more trades and labourers than this suburb.
Household incomeheight = share of households · weekly
% of households$0$300$650$1.5k$2.5k$4k+
Personal incomeheight = share of residents 15+ · weekly
% of residents 15+$0$300$650$1k$1.8k$3.5k+

A typical household pulls in about 2.2× the typical individual — a multi-earner area.

Labour forceemployment status · residents 15+
38%
20%
31%
Employed full-time38%Employed part-time20%Employed (away/other)7.0%Unemployed4.1%Not in labour force31%
LowMedianHighPercentile
Full-time workersⓘResidents in the labour force who are employed full-time.Top 35%Full-time workers · 38% — above average: in the top 35%, more full-time workers than 65% of Aussie suburbs.
Part-time workersⓘEmployed residents working part-time, of all employed.Bottom 25%Part-time workers · 30% — below average: in the bottom 25%, 75% of Aussie suburbs have more part-time workers than this suburb.
Unemployment rateⓘShare of the labour force (people working or actively looking) who are unemployed — not a share of all residents.Top 24%Unemployment rate · 5.9% — well above average: in the top 24%, more unemployment than 76% of Aussie suburbs.
Not in labour forceⓘResidents 15+ neither working nor looking for work — retirees, students, carers.Bottom 28%Not in labour force · 31% — below average: in the bottom 28%, fewer out of the workforce than 72% of Aussie suburbs.
Labour-force participationⓘResidents 15+ who are in the labour force — working or looking for work.Top 28%Labour-force participation · 70% — above average: in the top 28%, more workforce participation than 72% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb

Census data sourced from the Australian Bureau of Statistics — © Commonwealth of Australia, 2021 Census of Population and Housing · Shares, ratios and percentiles shown are Micromarkets transformations of that data · licensed CC BY 4.0.

Census · ABS 2021

Getting Around

How people get to work, and how car-dependent the suburb is — the clearest tell of inner-urban versus outer-suburban living.

Transport at a glance
LowMedianHighPercentile
Public transport to workⓘCommuters who travelled to work by train, bus, ferry or tram, of those who travelled.Bottom 1%Public transport to work · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more public-transport commuters than this suburb.
Walked or cycled to workⓘCommuters who walked or cycled to work, of those who travelled.Bottom 1%Walked or cycled to work · 0.0% — among the lowest: in the bottom 1%, less walking and cycling than 100% of Aussie suburbs.
Worked from homeⓘEmployed residents who worked from home in the Census week — elevated by COVID in 2021.Top 3%Worked from home · 46% — among the highest: in the top 3%, more working from home than 97% of Aussie suburbs.
No motor vehicleⓘHouseholds with no motor vehicle.Bottom 1%No motor vehicle · 0.0% — among the lowest: in the bottom 1%, 100% of Aussie suburbs have more car-free households than this suburb.
Vehicles per dwellingⓘAverage number of motor vehicles per household.Top 19%Vehicles per dwelling · 1.01 — well above average: in the top 19%, more vehicles per home than 81% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Journey to workamong commuters · top modes
Car (driver)89%
Car (passenger)8.1%
Other/combined4.6%
Vehicles per dwellingshare of households
0.0%0
41%1
42%2
13%3
6.3%4+

Census data sourced from the Australian Bureau of Statistics — © Commonwealth of Australia, 2021 Census of Population and Housing · Shares, ratios and percentiles shown are Micromarkets transformations of that data · licensed CC BY 4.0.


Education · ACARA My School 2025

Schools in and around Phegans Bay

No school inside Phegans Bay itself — the closest options around it are shown. Distances are straight-line from the suburb centre and are not enrolment catchments — always confirm zones with the school.

Within Phegans Bay0schools in the suburb itself
Primary schools6within 5 km · nearest 1.6 km
Secondary schools2within 5 km · nearest 1.8 km
Median ICSEA rank35thenrolment-weighted
What is ICSEA Rank?

ICSEA is ACARA’s official measure of a school’s socio-educational advantage — based mainly on parents’ education and occupation, plus the school’s location and student mix.

Nearby within8 schools
  • Nearby · within 5 km · 8Order by
  • 1
    St John the Baptist Catholic Primary SchoolCatholic · Primary · Co-ed · Years K-6 · Woy Woy South · 1.6 km
    State Rank—English—Maths—Students551Multilingual17%ICSEA Rank79th
  • 2
    Brisbane Water Secondary College Woy Woy CampusGovernment · Secondary · Co-ed · Years 10-12 · Woy Woy · 1.8 km
    State Rank—English—Maths—Students644Multilingual14%ICSEA Rank35th
  • 3
    Woy Woy Public SchoolGovernment · Primary · Co-ed · Years P-6 · Woy Woy · 2.1 km
    State Rank—English—Maths—Students365Multilingual19%ICSEA Rank33rd
  • 4
    Brisbane Water Secondary College Umina CampusGovernment · Secondary · Co-ed · Years 7-9 · Umina Beach · 2.1 km
    State Rank—English—Maths—Students787Multilingual10%ICSEA Rank32nd
  • 5
    Woy Woy South Public SchoolGovernment · Primary · Co-ed · Years K-6 · Woy Woy · 2.2 km
    State Rank—English—Maths—Students648Multilingual13%ICSEA Rank45th
  • 6
    Ettalong Public SchoolGovernment · Primary · Co-ed · Years K-6 · Ettalong Beach · 3.8 km
    State Rank—English—Maths—Students490Multilingual13%ICSEA Rank35th
  • 7
    Umina Beach Public SchoolGovernment · Primary · Co-ed · Years K-6 · Umina Beach · 4.2 km
    State Rank—English—Maths—Students606Multilingual16%ICSEA Rank51st
  • 8
    Brisbania Public SchoolGovernment · Primary · Co-ed · Years K-6 · Saratoga · 4.9 km
    State Rank—English—Maths—Students358Multilingual6%ICSEA Rank53rd
GovernmentCatholic

Why are some State Rank and star ratings blank? Schools can choose not to publish their results. In practice, schools that score well above their state average almost always publish theirs — so a blank rating more often reflects a school opting out than a top result being hidden. Academic results also tend to rise with ICSEA Rank, so higher-ICSEA schools more often carry a strong State Rank as well.

School profile and ICSEA data sourced from ACARA — © Australian Curriculum, Assessment and Reporting Authority (data year 2025) · State Rank & star columns are Micromarkets-compiled academic ratings from publicly available school results · Distances are straight-line from the suburb centre, not catchments.


Census · ABS 2021

Turnover

How settled or transient the community is — and where newcomers came from.

Settledness at a glance
LowMedianHighPercentile
Settled 5+ yearsⓘResidents living at the same address as five years ago — how settled the community is.Bottom 34%Settled 5+ years · 59% — below average: in the bottom 34%, 66% of Aussie suburbs have more long-settled residents than this suburb.
Moved in past yearⓘResidents living at a different address one year earlier.Bottom 35%Moved in past year · 11% — below average: in the bottom 35%, 65% of Aussie suburbs have more recent movers than this suburb.
Arrived from overseas (5 yr)ⓘResidents who arrived in Australia from overseas within the past five years.Top 43%Arrived from overseas · 2.4% — typical: right around the median for Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Where residents lived 5 years agoof those who stated
59%
35%
Same address59%Moved within area2.9%From elsewhere in Australia35%From overseas2.4%
Residential paceshare of residents
Moved in the past yearⓘResidents living at a different address one year earlier.11%
Moved in the past 5 yearsⓘResidents not living at the same address as five years ago.41%
Arrived from overseas (5 yr)ⓘResidents who arrived in Australia from overseas within the past five years.2.4%
Property market
Market data

Snapshot

Headline price, rent, yield and time on market for Phegans Bay — choose a property type and size below.

Active segment
Houses
Units
Median priceⓘLast 12 months
1.05M
↓ -4.3% YoY
Days on marketⓘLast 12 months
59
↓ 5 days YoY
SoldⓘLast 12 months
8
↓ -20.0% YoY
Months of supplyⓘLast 12 months
1.5mo
Median rentⓘLast 12 months
$793/w
↑ +26.9% YoY
Days to leaseⓘLast 12 months
22
↓ 5 days YoY
LeasedⓘLast 12 months
7
↓ -12.5% YoY
Gross yieldⓘLast 12 months
3.60%
Annualised
Data confidenceSales sample8Too thinLease sample7Too thinThin samples can swing month-to-month — treat single-figure deltas with care.
Market data

Segment breakdown

Every segment this suburb tracks — sales and rentals side by side, ranked by total activity over the last twelve months.

Year-on-year growth · demand percentile rank 0–100
Segment
Sales
Price
DOM
Leased
Rent
DOM
Yield
Market demand
01
Houses · 3 bed4 sales · 3 leases
Sales4▲+300.0%
Price—
Sales DOM—
Leased3▲+50.0%
Rent—
Rental DOM—
—
—
—
02
Houses · 4 bed4 sales · 2 leases
Sales4▼−33.3%
Price—
Sales DOM—
Leased2▲+100.0%
Rent—
Rental DOM—
—
—
—
03
Houses · 2 bed2 sales · 2 leases
Sales2▲+100.0%
Price—
Sales DOM—
Leased2+0.0%
Rent—
Rental DOM—
—
—
—
04
Units · 1 bed0 sales · 0 leases
Sales—
Price—
Sales DOM—
Leased—
Rent—
Rental DOM—
—
—
—
05
Units · 2 bed0 sales · 0 leases
Sales—
Price—
Sales DOM—
Leased—
Rent—
Rental DOM—
—
—
—
06
Units · 3 bed0 sales · 0 leases
Sales—
Price—
Sales DOM—
Leased—
Rent—
Rental DOM—
—
—
—
All houses
Sales8▼−20.0%
Price—
Sales DOM—
Leased7▼−12.5%
Rent—
Rental DOM—
—
—
—
All units
Sales—
Price—
Sales DOM—
Leased—
Rent—
Rental DOM—
—
—
—
Market data

Where each segment ranks

Where each segment sits against its peers in the chosen geography — past the midline means it's outperforming the rest.

Metric
Ranked against

Market demandHow fast this market is moving — a velocity index built from trailing-year transaction volume and median days on market. Strong volume lifts the score; days on market drags it down, with the drag growing sharply once listings start lingering. Ranked against peers in the chosen geography.

Houses
0/0above median
02550 · MEDIAN75100
Percentile vs NSW
Value
Units
0/4above median
02550 · MEDIAN75100
Percentile vs NSW
Value
Market data

The buy-versus-rent equation

What it costs each week to own a property versus renting the same one — positive means buying carries the premium, negative means rent covers the mortgage.

Property
Compare to
NSW MEDIAN · +70%
Rent covers itRenting matches or beats the cost of owning−10% to 0%
BalancedMortgage roughly matches asking rent+30% to +60%
Far pricier to ownBuying costs much more than renting+100% to +130%+
BreakdownLast 12 months
Holding cost
Mortgage
Rent
Premium
Band
Assumes 80% LVR·6.0% rate·30y P&I
Premium = (weekly mortgage − weekly rent) ÷ weekly rent. Band thresholds are national breakpoints across ~11,400 eligible Australian segments — the Typical premium band spans national P25 to P75, so it’s literally what’s typical.
Market data

How strong is demand, and which way is it heading?

Two questions on one chart — how strong demand is right now, and which way it's heading year-on-year.

Side
View
Property
Compared against
Sales demand
0 segments · sales · vs Australia
rising
DOM change YoYis demand rising or falling?
falling
median
median
Recoveryweak but rising
Boomstrong and rising
Troughweak and falling
Peakstrong but easing
weakSales demandhow strong sales demand isstrong
Property segments · coloured by market phaseHover a point for its figures
Sales demand
How strong is sales demand — and is it rising or falling?
What this shows

Each dot is one of this suburb's property segments on the sales side. Left-right shows how strong sales demand is — combining how many properties sold in the last 12 months with how quickly they sold (median days on market). Top-bottom shows whether that demand is rising or falling compared to 12 months ago.

The two axes
Sales demandX axis
how strong sales demand is

A composite of 12-month sales volume and median days on market. Higher means more sales completed faster — stronger sales demand right now.

Days on market change (Year-on-year)Y axis
is demand rising or falling?

How much faster (or slower) sales are completing compared to 12 months ago. Top half means sales are completing faster than a year ago (demand growing).

Market data

Phegans Bay against the neighbourhood

Eight diagnostic views cutting the data a different way each time — Phegans Bay in blue, peers in colour.

Pair
View
Property
How fast — and is it getting faster?
0 peer segments · Total house
faster
DOM change YoYvs 12 months ago
slower
median
median
Recoveringquiet but accelerating
Boomingbusy and accelerating
Stalledquiet and slowing further
Coolingbusy but slowing
Phegans Bay · this suburb
Demand index
—vs Australia
Days on market
59 days▲ +5 days YoY
Median price
$1.05M▼ −4.3% YoY
Sold (last year)
8▼ −20.0% YoY
Gross yield
3.60%
slowDays on marketmedian days to sellfast
This suburb Property segments · coloured by market phaseHover a point for its figures
PAIR 01 OF 08
How fast — and is it getting faster?
What this shows

Combines the current median days on market with how much faster or slower it is changing compared to last year. Top-right means a fast-selling market that is getting faster compared to last year — peak demand.

The two axes
Days on marketX axis
median days to sell

Median days a property sits on the market before selling. Right side = fewer days (faster).

Days on market change (Year-on-year)Y axis
vs 12 months ago

How much faster (or slower) sales are completing compared to 12 months ago. Top = sales completing faster than a year ago.

Market data

How much stock is available right now?

How long current listings would take to clear at the recent rate of sales or leases. Critical shortage and Oversupply only fire at the genuine tails of the national distribution — sales tip in under 0.7 months, rentals far faster, under 0.3.

View
Sales market
SegmentBandMonths of supply leftYoYYoY change12-month change in months of supply. Down means stock is tightening (fewer months than a year ago); up means stock is loosening.ListedListedActive listings in this segment right now, derived from months of supply multiplied by the recent transaction rate.SoldSold (last year)Total sold transactions completed in this segment over the last 12 months.Per monthPer monthAverage monthly absorption — how many properties are sold each month in this segment, over the last 12 months.
median
Rental market
SegmentBandMonths of supply leftYoYYoY change12-month change in months of supply. Down means stock is tightening (fewer months than a year ago); up means stock is loosening.ListedListedActive listings in this segment right now, derived from months of supply multiplied by the recent transaction rate.LeasedLeased (last year)Total leased transactions completed in this segment over the last 12 months.Per monthPer monthAverage monthly absorption — how many properties are leased each month in this segment, over the last 12 months.
median
Severe
Very Tight
Tight
Balanced
Loose
Very Loose
Saturated
Under-suppliedOver-supplied
Market data

Who's transacting — buyers or tenants?

Out of every property transaction in this suburb, what share are sales versus leases — each point a rolling twelve-month window.

Property
Phegans Bay — Units & Houses, all bedrooms
Jun 2021 – May 2026 · each point = a 12-month window
0%25%50%75%100%20222023202420252026
Sales · buyer transactions
Leases · tenant transactions
Latest tenant share · trailing year
41.2%

of Phegans Bay's transactions in the year to May 2026 were leases.

5-year shift

Tenant share moved ↓ 4.3 pts since the 12 months ending Jun 2021, from 45.5% to 41.2%.

Market data

Five-year arc — how this market has moved

Each tape traces one metric across sixty months for the selected segment — every point a trailing twelve-month figure, matching the headline KPIs above.

Property
Bedrooms
Median price (trailing year)
May 2026
$1.05M-4.1%
5y median $1.10Mvs last year $1.10M
Total sales (trailing year)
May 2026
10+25.0%
5y median 9vs last year 8
Days on market (trailing year)
May 2026
59 days+5
5y median 54 daysvs last year 54 days
Median rent (trailing year)
May 2026
$793/wk+26.9%
5y median $625/wkvs last year $625/wk
Total leases (trailing year)
May 2026
7-12.5%
5y median 12vs last year 8
Days on market (rental) (trailing year)
May 2026
23 days+6
5y median 19 daysvs last year 17 days
Gross yield (trailing year)
Mar 2026
3.40%+0.10 pt
5y median 3.40%vs last year 3.30%
Months of supply
May 2026
2.4 months-20.0%
5y median 4.0 monthsvs last year 3.0 months
Months of supply (rental)
May 2026
1.7 months-43.3%
5y median 1.1 monthsvs last year 3.0 months
Market data

Nearby markets

Every market within reach of Phegans Bay, ranked by distance — each compared against this suburb's Houses · Total segment so divergence reads at a glance.

Market
Property
Bedrooms
Radius
Colour by
This marketPhegans BayNSW 2256 · Houses · Total
Price$1.05M
DOM59 days
Sold8
12 markets within 5kmLast 12 months
01
Horsfield BayNSW 2256 · 0.6km · Houses · Total
Price$1.15M
DOM79 days
Sold14
priciermuch slower
02
Woy Woy BayNSW 2256 · 2.1km · Houses · Total
Price$1.37M
DOM40 days
Sold12
priciermuch faster
03
KoolewongNSW 2256 · 2.4km · Houses · Total
Price$1.15M
DOM45 days
Sold16
pricierfaster
04
BlackwallNSW 2256 · 3.1km · Houses · Total
Price$1.21M
DOM58 days
Sold19
priciersimilar speed
05
Woy WoyNSW 2256 · 3.4km · Houses · Total
Price$1.08M
DOM30 days
Sold131
priciermuch faster
06
Umina BeachNSW 2257 · 3.5km · Houses · Total
Price$1.26M
DOM31 days
Sold236
priciermuch faster
07
St Huberts IslandNSW 2257 · 3.8km · Houses · Total
Price$1.95M
DOM86 days
Sold27
much priciermuch slower
08
Ettalong BeachNSW 2257 · 3.9km · Houses · Total
Price$1.30M
DOM35 days
Sold73
priciermuch faster
09
TascottNSW 2250 · 4.1km · Houses · Total
Price$1.05M
DOM21 days
Sold40
similar pricedmuch faster
10
SaratogaNSW 2251 · 4.5km · Houses · Total
Price$1.35M
DOM29 days
Sold80
priciermuch faster
11
Booker BayNSW 2257 · 4.6km · Houses · Total
Price$1.57M
DOM45 days
Sold21
much pricierfaster
12
Daleys PointNSW 2257 · 4.7km · Houses · Total
Price$1.73M
DOM37 days
Sold16
much priciermuch faster
Loading map
Houses · TotalSales market
Stat colourHow each suburb's stat compares to Phegans Bay
Much lowerLowerSimilarHigherMuch higher
Market data

Frequently asked · Phegans Bay

19 data-driven answers about Phegans Bay's property market — every one computed from the metrics above.

Browse by
  • What things costPrices, rent, yield, ownership cost4
  • How the market is movingSpeed, supply, growth, cycle phase6
  • How it comparesVs state, vs nearby, vs popular3
  • About the areaPopulation, income, who lives here, schools5
  • About this dataMethodology and update cadence1

What things cost

Prices, rent, yield, ownership cost
01

What is the median house price in Phegans Bay?

#

The median house price in Phegans Bay, NSW 2256 is $1.05M as of June 2026, based on 8 sales recorded over the past 12 months. Houses there have moved −4.3% year-on-year. Prices vary by bedroom count, from compact two-bedroom homes to larger four-bedroom houses. See the bedroom-level breakdown below for 2-, 3- and 4-bedroom medians.

02

How much does it cost to rent in Phegans Bay?

#

The median weekly house rent in Phegans Bay is $793 as of June 2026, drawn from 7 leases over the past 12 months. House rents have moved +26.9% year-on-year. Current vacancy pressure is shown in the supply section above.

03

What is the gross rental yield in Phegans Bay?

#

Gross rental yield in Phegans Bay is 3.60% for houses as of June 2026, compared with the NSW unit median of 4.81%. Gross yield is annual rent divided by purchase price — it doesn't account for ownership costs like council rates, strata, maintenance or vacancy.

04

What are typical sale prices by bedroom count in Phegans Bay?

#

As of June 2026, Phegans Bay medians by bedroom count:

Property1 bed2 bed3 bed4 bedTotal
Houses—$840k$1.07M$1.25M$1.05M

Figures cover only segments with enough recent transactions to be statistically meaningful; sparse segments are excluded.

How the market is moving

Speed, supply, growth, cycle phase
05

What are Phegans Bay's property market trends?

#

Phegans Bay's property market trends to June 2026: house prices fell −4.3% year-on-year; weekly house rents moved +26.9%; homes now sell in a median 59 days — slower than a year ago by 5; sales supply sits at 1.5 months (severe). Read together — price, rent, selling speed and supply — they show which way the Phegans Bay market is leaning. The 5-year tape and demand cycle charts above plot the full trajectory.

06

What does the data say about Phegans Bay as an investment?

#

As of June 2026 in Phegans Bay, house prices fell −4.3% over the year, gross rental yield is 3.60% against a NSW median of 3.39%, houses take a median 59 days to sell, sales supply is 1.5 months (severe). Capital growth, rental yield, selling speed and supply are the signals investors weigh — but these figures describe the market, not a recommendation. This is data, not financial advice; always do your own research and consider a licensed adviser.

07

How quickly do houses sell in Phegans Bay?

#

Houses in Phegans Bay sell in a median 59 days on market as of June 2026. Days on market have lengthened by 5 days versus a year ago. Faster clearance typically coincides with stronger buyer demand and lower supply.

08

Is Phegans Bay a tight or loose property market right now?

#

Phegans Bay's sales market sits at 1.5 months of supply for houses as of June 2026 — classified as Severe (extreme shortage) against the Australian distribution. Under 1.7 months is Severe (extreme shortage); over 4.5 months is Loose. The rental side is looser at 1.7 months of supply.

09

Have property prices in Phegans Bay gone up or down?

#

House prices in Phegans Bay moved −4.3% over the 12 months to June 2026. The 5-year tape above plots the full monthly trajectory — showing where the market changed character rather than just crossing round numbers.

10

How active is the rental market in Phegans Bay?

#

Phegans Bay's house rental market sits at 1.7 months of supply as of June 2026 — classified as Balanced, with 7 houses leased over the past 12 months. Tighter supply typically corresponds to faster letting and upward pressure on rents.

How it compares

Vs state, vs nearby, vs popular
11

How does Phegans Bay compare to other NSW suburbs?

#

Phegans Bay's median house price ($1.05M) is 8% below the NSW median ($1.15M) as of June 2026. On selling speed, houses clear in 59 days vs 29 days state median. On gross yield, Phegans Bay sits at 3.60% vs 3.39% state median.

12

What's the most popular property type in Phegans Bay?

#

The most-transacted segment in Phegans Bay over the 12 months to June 2026 is 3 bed houses with 4 sales. 4 bed houses come second at 4 sales. The 'Most popular' panel above breaks down the top segments with weekly mortgage, rent and ownership-cost detail.

13

How many properties were sold and leased in Phegans Bay last year?

#

Phegans Bay recorded 8 house sales and 0 unit sales over the 12 months to June 2026 — a combined 8 transactions. On the rental side, 7 houses and 0 units were leased. Segments with statistically thin samples are excluded from displayed figures.

About the area

Population, income, who lives here, schools
14

What is the population of Phegans Bay?

#

Phegans Bay, NSW 2256 is home to 406 residents (ABS Census 2021). The median resident age is 48, and the average household holds 2.4 people. The "Who lives here" section above breaks the community down by age, life stage and tenure.

15

What is the median household income in Phegans Bay?

#

The median household in Phegans Bay earns $2k per week — roughly $108k a year (ABS Census 2021). Median personal income runs $944/week. Income, rent-to-income and mortgage-to-income context sits in the "Who lives here" section above.

16

Do people own or rent in Phegans Bay?

#

Phegans Bay is mostly owner-occupied: about 85% of households are owner-occupiers and 18% rent (ABS Census 2021). Of owners, 34% own outright and 51% are paying off a mortgage.

17

What schools are near Phegans Bay?

#

Phegans Bay has 60 schools within reach — including St John the Baptist Catholic Primary School, Brisbane Water Secondary College Woy Woy Campus, Woy Woy Public School. The Schools section above maps each one with sector, year range, enrolment, Micromarkets-compiled academic ratings and ICSEA (ACARA).

18

Is Phegans Bay a good place to live?

#

Phegans Bay, NSW 2256 has a population of 406, a median age of 48, a median household income around $2k/week, 18% of households renting (ABS Census 2021). There are 60 schools within reach. Whether it's the right fit depends on your priorities — these figures describe the community, housing mix and amenity rather than offer a verdict.

About this data

Methodology and update cadence
19

When was this Phegans Bay market data last updated?

#

This Phegans Bay market data was last updated June 2026. Figures are computed monthly from 12-month rolling windows of recorded sales and leases, with five years of monthly history behind the trend charts. Methodology, glossary and data sources are linked in the footer.

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Methodology

  • How metrics are calculated
  • Glossary of terms
  • Browse all suburbs
  • All NSW suburbs
  • About Micromarkets.ai

Suburbs near Phegans Bay

  • Horsfield Bay0.6km
  • Woy Woy Bay2.1km
  • Koolewong2.4km
  • Blackwall3.1km
  • Woy Woy3.4km
  • Umina Beach3.5km
  • St Huberts Island3.8km
  • Ettalong Beach3.9km
  • Tascott4.1km
  • Saratoga4.5km
  • Booker Bay4.6km
  • Daleys Point4.7km
  • Wagstaffe5.1km
  • Davistown5.1km
  • Kariong5.4km
  • Point Clare5.5km
  • Patonga5.7km
  • Empire Bay5.8km
  • Pretty Beach6.0km
  • Pearl Beach6.0km
Disclaimer

Information is provided for general analytical purposes and does not constitute financial, investment, or property advice. Past performance does not predict future returns.

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