Median priceⓘLast 12 months
710kk
↑ +50.0% YoY
Fern Bay, NSW 2295
Property data updated ·4,046 residents
Last 12 months snapshot
66 sales · 62 leases · Refreshed July 2026
Fern Bay property market
Most of Fern Bay's activity is house sales, with 59 sales at around $1.03M (up) as of July 2026, taking about 24 days to sell (up from 20 days last year), mostly 4-bedroom (around 65%).
House rentals sit just behind, with 55 leases at $780 a week (up), renting out in about 12 days (down from 13 days last year), one of the country's most in-demand house rental markets, mostly 4-bedroom (around 85%). Rounding it out, 7 unit rentals at $570 a week and 7 unit sales at around $790k.
Below-average incomeRetirement communityMultigenerationalMostly ownersNewcomer-heavy
Who lives hereA below-average-income, mostly owner-occupied, retirement-age suburb — newcomer-heavy.
House covers houses, duplexes, semi-detached and terraces; Unit covers apartments, units, townhouses and villas.
Census · ABS 2021
Fern Bay demographics & population
Population
4,046
Median age
43yrs
Avg household
2.4people
Male · Female
48% · 52%
Owner-occupied
50%
Renting
50%
Lone person
50%
Couples, no kids
50%
Born overseas
50%
Year 12+ⓘ
50%
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.
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Census · ABS 2021
Who lives in Fern Bay?
The age structure, household make-up, and cultural fabric of the people who call this suburb home.
Age & sex3,627 residentsMaleFemale
Share of all residents by 5-year band · hover a band for the count + split
Life stage
50%
50%
50%
50%
50%
50%
Children0–1450%Youth15–2450%Young adults25–3450%Midlife35–5450%Mature55–6450%Seniors65+50%
Household composition
50%
50%
50%
50%
50%
Lone person50%Couples, no kids50%Families with kids50%Other families50%Group / share50%
1.4 people / household0.4 persons / bedroom50% are 5+ person
Household sizepersons per dwelling
50%1
50%2
50%3
50%4
50%5
50%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.50%
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.50%
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.50%
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.50%
Australian citizensⓘResidents who are Australian citizens — both Australian-born and people who have since naturalised.50%
Birthplace diversity12%
Chance two random residents were born in different countries
Language diversity7%
Chance two random residents speak different languages at home
Religious diversity44%
Chance two random residents follow different religions
Where residents were borntop birthplaces
Afghanistan50%
Australia50%
Bangladesh50%
Bosnia & Herzegovina50%
Brazil50%
Cambodia50%
Canada50%
Chile50%
Languages at hometop languages
English only50%
Afrikaans50%
Arabic50%
Australian Indigenous50%
Cantonese50%
Mandarin50%
Other Chinese50%
Croatian50%
Ancestry% reporting · multi-response
Australian50%
Aboriginal/Torres Strait Islander50%
Chinese50%
Croatian50%
Dutch50%
English50%
Faith & belieftap Christianity
No religion50%
▸Christianity50%
Islam50%
Buddhism50%
Hinduism50%
Judaism50%
Other religions50%
Family originsparents’ birthplace
50%
50%
50%
Both parents overseas50%One parent overseas50%Both parents in Australia50%
A strongly multicultural community with deep migrant heritage.
When migrants arrivedshare of overseas-born
Before 198150%
1981-200050%
2001-201050%
2011-201550%
2016-202150%
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
Housing & affordability in Fern Bay
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 44%Median weekly rent · $399/wk — typical: right around the median for Aussie suburbs.
Median monthly mortgageⓘMiddle monthly mortgage repayment among households with a mortgage.Top 49%Median monthly mortgage · $1,756/mo — typical: right around the median for 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 50%Rent stress · 50% — typical: right around the median for 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 50%Mortgage stress · 50% — typical: right around the median for Aussie suburbs.
High mortgage (≥$3k/mo)ⓘMortgaged households repaying $3,000 or more per month.Top 50%High mortgage · 50% — typical: right around the median for Aussie suburbs.
Social housingⓘHouseholds renting from a state housing authority or community housing provider.Top 50%Social housing · 50% — typical: right around the median for Aussie suburbs.
Unoccupied on census nightⓘDwellings recorded as unoccupied on Census night — holiday homes, between-tenant rentals, etc.Top 50%Unoccupied on census night · 50% — typical: right around the median for Aussie suburbs.
Large dwellings (4+ bed)ⓘOccupied dwellings with 4 or more bedrooms.Top 50%Large dwellings · 50% — typical: right around the median for Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Bedrooms per dwellingshare of dwellings
50%0
50%1
50%2
50%3
50%4
50%5
50%6+
Who owns vs rentsoccupied dwellings
50%
50%
50%
50%
Owned outright50%Mortgage50%Renting50%Other50%
What’s built heredwelling types
50%
50%
50%
50%
House50%Townhouse50%Apartment50%Other50%
50% separate houses50% apartments50% 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
Income & employment in Fern Bay
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+.Bottom 34%Median personal income · $490/wk — below average: in the bottom 34%, lower personal income than 66% of Aussie suburbs.
Median family incomeⓘMiddle weekly income of families.Bottom 43%Median family income · $1,519/wk — typical: right around the median for Aussie suburbs.
Managers & professionalsⓘEmployed residents who work as managers or professionals.Top 50%Managers & professionals · 50% — typical: right around the median for Aussie suburbs.
High earners (≥$2k/wk)ⓘResidents earning $2,000 or more per week.Top 50%High earners · 50% — typical: right around the median for Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Occupations
LowMedianHighPercentile
Managers & professionalsⓘEmployed residents who work as managers or professionals.Top 50%Managers & professionals · 50% — typical: right around the median for Aussie suburbs.
Clerical & adminⓘEmployed residents in clerical and administrative jobs.Top 50%Clerical & admin · 50% — typical: right around the median for Aussie suburbs.
Community & personal serviceⓘEmployed residents in community and personal-service jobs — care, hospitality, security and similar.Top 50%Community & personal service · 50% — typical: right around the median for Aussie suburbs.
Sales workersⓘEmployed residents in sales jobs.Top 50%Sales workers · 50% — typical: right around the median for Aussie suburbs.
Technicians, trades & labourersⓘEmployed residents in technical/trade, machinery-operating and labouring jobs.Top 50%Technicians, trades & labourers · 50% — typical: right around the median for Aussie suburbs.
Household incomeheight = share of households · weekly
Personal incomeheight = share of residents 15+ · weekly
A typical household pulls in about 2.2× the typical individual — a multi-earner area.
Labour forceemployment status · residents 15+
50%
50%
50%
50%
50%
Employed full-time50%Employed part-time50%Employed (away/other)50%Unemployed50%Not in labour force50%
LowMedianHighPercentile
Full-time workersⓘResidents in the labour force who are employed full-time.Top 50%Full-time workers · 50% — typical: right around the median for Aussie suburbs.
Part-time workersⓘEmployed residents working part-time, of all employed.Top 50%Part-time workers · 50% — typical: right around the median for Aussie suburbs.
Unemployment rateⓘShare of the labour force (people working or actively looking) who are unemployed — not a share of all residents.Top 50%Unemployment rate · 50% — typical: right around the median for Aussie suburbs.
Not in labour forceⓘResidents 15+ neither working nor looking for work — retirees, students, carers.Top 50%Not in labour force · 50% — typical: right around the median for Aussie suburbs.
Labour-force participationⓘResidents 15+ who are in the labour force — working or looking for work.Top 50%Labour-force participation · 50% — typical: right around the median for 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 Fern Bay
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.Top 50%Public transport to work · 50% — typical: right around the median for Aussie suburbs.
Walked or cycled to workⓘCommuters who walked or cycled to work, of those who travelled.Top 50%Walked or cycled to work · 50% — typical: right around the median for Aussie suburbs.
Worked from homeⓘEmployed residents who worked from home in the Census week — elevated by COVID in 2021.Top 50%Worked from home · 50% — typical: right around the median for Aussie suburbs.
No motor vehicleⓘHouseholds with no motor vehicle.Top 50%No motor vehicle · 50% — typical: right around the median for Aussie suburbs.
Vehicles per dwellingⓘAverage number of motor vehicles per household.Bottom 10%Vehicles per dwelling · 1.00 — well below average: in the bottom 10%, fewer vehicles per home than 90% of Aussie suburbs.
This suburb Typical range (middle 50%) Median suburb
Journey to workamong commuters · top modes
Car (driver)50%
Car (passenger)50%
Train50%
Bus50%
Tram/light rail50%
Ferry50%
Walked50%
Vehicles per dwellingshare of households
50%0
50%1
50%2
50%3
50%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 Fern Bay
1 school inside Fern Bay, plus the closest options around it. Families can choose from 1 primary school in Fern Bay and its surrounds — no high school sits within this radius. Distances are straight-line from the suburb centre and are not enrolment catchments — always confirm zones with the school.
Within Fern Bay1schools in the suburb itself
Primary schools1within 5 km · nearest in suburb
Secondary schools0within 5 km · nearest 8.9 km
Median ICSEA rank50thenrolment-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 within1 school
- Within Fern Bay · 1Order by
- 1Fern Bay Public SchoolGovernment · Primary · Co-ed · Years K-6 · Within suburbState Rank—English—Maths—Students212Multilingual50%ICSEA Rank50th
Government
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.Top 50%Settled 5+ years · 50% — typical: right around the median for Aussie suburbs.
Moved in past yearⓘResidents living at a different address one year earlier.Top 50%Moved in past year · 50% — typical: right around the median for Aussie suburbs.
Arrived from overseas (5 yr)ⓘResidents who arrived in Australia from overseas within the past five years.Top 50%Arrived from overseas · 50% — 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
50%
50%
50%
50%
Same address50%Moved within area50%From elsewhere in Australia50%From overseas50%
Residential paceshare of residents
Moved in the past yearⓘResidents living at a different address one year earlier.50%
Moved in the past 5 yearsⓘResidents not living at the same address as five years ago.50%
Arrived from overseas (5 yr)ⓘResidents who arrived in Australia from overseas within the past five years.50%
Property market
Market snapshot
Fern Bay median house price & rent
Headline price, rent, yield and time on market for Fern Bay — choose a property type and size below.
Active segment
Houses
Units
Days on marketⓘLast 12 months
44
↑ 4 days YoY
SoldⓘLast 12 months
13
↑ +0.5% YoY
Months of supplyⓘLast 12 months
4.0mo
Median rentⓘLast 12 months
$525/w
↑ +50.0% YoY
Days to leaseⓘLast 12 months
8
↑ 2 days YoY
LeasedⓘLast 12 months
13
↑ +0.5% YoY
Gross yieldⓘLast 12 months
2.94%
Annualised
Data confidenceSales sample9GoodLease sample9Good
Segment breakdown
House & unit prices by bedroom
Every segment this suburb tracks — sales and rentals side by side, ranked by total activity over the last twelve months.
Demand percentile 0–100 · last 12 months12-mo change
Sales
Rental
Demand
Segment
Sold
Price
DOM
Leased
Rent
DOM
Yield
SalesRent
01
Houses · 2 bed9 sales · 9 leases
Sold13+0.5%
Price—
Sales DOM—
Leased13+0.5%
Rent—
Rental DOM—
—
Sales—
Rent—
02
Houses · 3 bed9 sales · 9 leases
Sold13▲+50.0%
Price—
Sales DOM—
Leased13+0.5%
Rent—
Rental DOM—
—
Sales—
Rent—
03
Houses · 4 bed9 sales · 9 leases
Sold13+0.5%
Price—
Sales DOM—
Leased13+0.5%
Rent—
Rental DOM—
—
Sales—
Rent—
04
Units · 2 bed9 sales · 9 leases
Sold13
Price—
Sales DOM—
Leased13▲+50.0%
Rent—
Rental DOM—
—
Sales—
Rent—
05
Units · 3 bed9 sales · 9 leases
Sold13
Price—
Sales DOM—
Leased13+0.5%
Rent—
Rental DOM—
—
Sales—
Rent—
06
Units · 1 bed9 sales · 9 leases
Sold13
Price—
Sales DOM—
Leased—
Rent—
Rental DOM—
—
Sales—
Rent—
All houses
Sold13+0.5%
Price—
Sales DOM—
Leased13+0.5%
Rent—
Rental DOM—
—
Sales—
Rent—
All units
Sold13▲+50.0%
Price—
Sales DOM—
Leased13▲+50.0%
Rent—
Rental DOM—
—
Sales—
Rent—
Where each segment ranks
Fern Bay property growth
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
2/2above median
02550 · MEDIAN75100
Percentile vs NSW
Value
Units
No ranked segments
02550 · MEDIAN75100
Percentile vs NSW
Value
The buy-versus-rent equation
Buying vs renting in Fern Bay
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
Houses · 4 bed: +50%
Houses · Total: +50%
NSW MEDIAN · +47%
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
Bedrooms
Radius
Compared against
Sales market velocity
3 nearby suburbs · 10km · Total house · sales
risingfalling
DOM change YoYis demand rising or falling?
median
median
Recoveryweak but rising
Boomstrong and rising
Troughweak and falling
Peakstrong but easing
Nearby suburb
Demand index
4 / 100vs NSW
Days on market
76 days▼ −33 days YoY
Median price
$1.07M▲ +9.8% YoY
Sold (last year)
15▼ −17.0% YoY
Nearby suburb
Demand index
32 / 100vs NSW
Days on market
30 days▲ +13 days YoY
Median price
$812k▲ +4.9% YoY
Sold (last year)
62▲ +7.8% YoY
Nearby suburb
Demand index
68 / 100vs NSW
Days on market
18 days▼ −3 days YoY
Median price
$799k▲ +0.1% YoY
Sold (last year)
35▲ +4.0% YoY
Fern Bay · this suburb
Demand index
75 / 100vs NSW
Days on market
44 days▼ −4 days YoY
Median price
$710k▲ +50.0% YoY
Sold (last year)
13▲ +0.5% YoY
weakSales market velocityhow strong sales demand isstrong
This suburb Neighbouring suburbs · coloured by market phaseHover a point for its figures
Market data
Fern Bay against the neighbourhood
Eight diagnostic views cutting the data a different way each time — Fern Bay in blue, peers in colour.
Pair
View
Property
Bedrooms
Radius
How fast — and is it getting faster?
4 peer suburbs · 10km · Total house
fasterslower
DOM change YoYvs 12 months ago
median
median
Recoveringquiet but accelerating
Boomingbusy and accelerating
Stalledquiet and slowing further
Coolingbusy but slowing
Nearby suburb
Demand index
24 / 100vs Australia
Days on market
30 days▲ +13 days YoY
Median price
$812k▲ +4.9% YoY
Sold (last year)
62▲ +7.8% YoY
Gross yield
1.85%
Nearby suburb
Demand index
0 / 100vs Australia
Days on market
125 days—
Median price
—▲ +32.0% YoY
Sold (last year)
—▲ +103.0% YoY
Gross yield
5.00%
Nearby suburb
Demand index
0 / 100vs Australia
Days on market
106 days—
Median price
—▲ +26.0% YoY
Sold (last year)
—▲ +115.0% YoY
Gross yield
5.00%
Nearby suburb
Demand index
41 / 100vs Australia
Days on market
18 days▼ −3 days YoY
Median price
$799k▲ +0.1% YoY
Sold (last year)
35▲ +4.0% YoY
Gross yield
2.52%
Fern Bay · this suburb
Demand index
50 / 100vs Australia
Days on market
44 days▼ −4 days YoY
Median price
$710k▲ +50.0% YoY
Sold (last year)
13▲ +0.5% YoY
Gross yield
2.94%
slowDays on marketmedian days to sellfast
This suburb Neighbouring suburbs · coloured by market phaseHover a point for its figures
How much is available right now?
Housing supply & months of stock
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
| Segment | Band | Months of supply left | YoYYoY 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
| Segment | Band | Months of supply left | YoYYoY 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
Fern Bay — Units & Houses, all bedrooms
Jul 2021 – Jun 2026 · each point = a 12-month window
0%25%50%75%100%20222023202420252026
Sales · buyer transactions
Leases · tenant transactions
Five-year arc
Fern Bay median house price & rent history
Each tape traces one metric across sixty months for the selected segment — every point a trailing twelve-month figure, matching the headline KPIs above.
Five-year summaryAs of Jun 2026, the median house sale price in Fern Bay rose from $468k (Jul 2021) to $731k (Jun 2026) — +56.3% growth over five years — peaking at $832k between Jun 2022 and May 2023. Median house rent went from $362/wk to $567/wk (+56.6%) over the same period. For units, the median sale price rose from $462k to $584k (+26.2%), with rent down from $301/wk to $291/wk (−3.3%) over the same period.
PropertyBedrooms
Median price (trailing year)
Jun 2026
$731k+6.1%
5y median $619kvs last year $689k
Total sales (trailing year)
Jun 2026
52+40.5%
5y median 43vs last year 37
Days on market (trailing year)
Jun 2026
20 days-6
5y median 26 daysvs last year 26 days
Median rent (trailing year)
Jun 2026
$567/wk+13.6%
5y median $492/wkvs last year $499/wk
Total leases (trailing year)
Jun 2026
31-48.3%
5y median 59vs last year 60
Days on market (rental) (trailing year)
Jun 2026
8 days-3
5y median 10 daysvs last year 11 days
Gross yield (trailing year)
Jun 2026
2.14%-1.06 pt
5y median 2.51%vs last year 3.20%
Months of supply
Jun 2026
2.1 months+3.2%
5y median 1.8 monthsvs last year 2.0 months
Months of supply (rental)
Jun 2026
0.6 months-11.9%
5y median 0.9 monthsvs last year 0.7 months
Nearby markets
Suburbs near Fern Bay: prices compared
The nearest suburbs to Fern Bay, ranked by distance — each lined up against Fern Bay on the same measures, so the differences jump out at a glance.
Market
Property
Bedrooms
Radius
Colour by
This marketFern BayNSW 2295 · Houses · Total
Price$710k
DOM44 days
Sold13
5 markets within 5kmLast 12 months
01
Fullerton CoveNSW 2318 · 2.1km · Houses · Total
Price$1.07M
DOM76 days
Sold15
much priciermuch slower
02StocktonNSW 2295 · 2.9km · Houses · Total
Price$812k
DOM30 days
Sold62
pricierfaster
03KooragangNSW 2304 · 3.2km · Houses · Total
Price—
DOM125 days
Sold—
much slower
04Mayfield NorthNSW 2304 · 3.4km · Houses · Total
Price—
DOM106 days
Sold—
much slower
05CarringtonNSW 2294 · 4.9km · Houses · Total
Price$799k
DOM18 days
Sold35
priciermuch faster
Houses · TotalSales market
Stat colourHow each suburb's stat compares to Fern Bay
Much lowerLowerSimilarHigherMuch higher
Similar markets
Suburbs like Fern Bay
Suburbs anywhere in NSW that behave like Fern Bay — matched on price, growth, selling speed and demand, not on distance. A shortlist of markets that move the same way — including ones far away you'd never think to compare. (Want the suburbs right next door instead? See Nearby markets above.)
Fern Bay vs Fletcher: the closest sales-market match trades at a median of $805k against Fern Bay's $710k — about 13% higher, with homes selling in 15 days versus 44 days here.
Colour by
Property
Bedrooms
Market
This marketFern BayNSW 2295 · Houses · Total
Price$710k
DOM44 days
Sold13
Most similar sales markets · within 8.8–42 kmLast 12 months
0102030405
FletcherNSW 2287 · 13km · 66% match
Price$805k
DOM15 days
Sold66
BoolarooNSW 2284 · 13km · 70% match
Price$711k
DOM23 days
Sold41
Waratah WestNSW 2298 · 9km · 59% match
Price$482k
DOM19 days
Sold31
Macquarie HillsNSW 2285 · 16km · 61% match
Price$631k
DOM16 days
Sold49
WadalbaNSW 2259 · 42km · 75% match
Price$617k
DOM16 days
Sold72
Stat colourHow each suburb's stat compares to Fern Bay
Much lowerLowerSimilarHigherMuch higher
Comparable sales markets to Fern Bay: Fletcher property market, Boolaroo property growth, Waratah West, NSW property market, Macquarie Hills (NSW 2285) and Wadalba property market.
Fern Bay's closest rental-market twins: Fletcher property growth, Macquarie Hills, NSW property market, Waratah West median house price, Boolaroo house prices and Wadalba property growth. Each link opens that suburb's full market report.
Market data
Frequently asked · Fern Bay
26 data-driven answers about Fern Bay's property market — every one computed from the metrics above.
What things cost
Prices, rent, yield, ownership costWhat is the median house price in Fern Bay?
#The median house price in Fern Bay, NSW 2295 is $710k as of June 2026, based on 9 sales over the past 12 months. Houses there have moved +50.0% 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.
What is the median unit price in Fern Bay?
#The median unit price in Fern Bay, NSW 2295 is $710k as of June 2026, based on 9 sales over the past 12 months. Units have moved +50.0% year-on-year and currently trade at roughly 100% of the median house price.
How much does it cost to rent in Fern Bay?
#The median weekly house rent in Fern Bay is $525 as of June 2026, drawn from 9 leases over the past 12 months. Units rent for around $525 per week. House rents have moved +50.0% year-on-year. Current vacancy pressure is shown in the supply section above.
How much is rent for a 3 bedroom house in Fern Bay?
#A 3 bedroom house in Fern Bay rents for a median $525 per week as of June 2026, drawn from 9 leases over the past 12 months. Across other house sizes: 2-bedroom $525/week, 4-bedroom $525/week. Unit rents: 2-bedroom $525/week, 3-bedroom $525/week. Figures cover only segments with enough recent leases to be statistically meaningful; sparse segments are excluded. The segment breakdown covers rent, yield and days on market for every property type and bedroom count.
What is the gross rental yield in Fern Bay?
#Gross rental yield in Fern Bay is 2.94% for houses and 2.94% for units as of June 2026, compared with the NSW unit median of 3.31%. Gross yield is annual rent divided by purchase price — it doesn't account for ownership costs like council rates, strata, maintenance or vacancy.
How much is a 3 bedroom house in Fern Bay?
#As of June 2026, Fern Bay medians by bedroom count:
| Property | 1 bed | 2 bed | 3 bed | 4 bed | Total |
|---|---|---|---|---|---|
| Houses | — | — | $710k | $710k | $710k |
| Units | $710k | $710k | $710k | — | $710k |
Figures cover only segments with enough recent transactions to be statistically meaningful; sparse segments are excluded.
What does it cost to own versus rent at the Fern Bay median?
#At the median Fern Bay house ($710k purchase, $525/week rent), weekly mortgage repayments sit at roughly $794 — about $269 more per week than renting. That gap is the ownership premium. Figures assume 80% LVR, a 6.0% interest rate and a 30-year principal-and-interest loan.
How the market is moving
Speed, supply, growth, cycle phaseWhat are Fern Bay's property market trends?
#Fern Bay's property market trends to June 2026: house prices rose +50.0% year-on-year and units +50.0%; weekly house rents moved +50.0%; homes now sell in a median 44 days — faster than a year ago by 4; sales supply sits at 4.0 months (loose). Read together — price, rent, selling speed and supply — they show which way the Fern Bay market is leaning. The 5-year tape and demand cycle charts above plot the full trajectory.
What does the data say about Fern Bay as an investment?
#As of June 2026 in Fern Bay, house prices rose +50.0% over the year, gross rental yield is 2.94% against a NSW median of 2.65%, houses take a median 44 days to sell, sales supply is 4.0 months (loose). 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.
How quickly do houses sell in Fern Bay?
#Houses in Fern Bay sell in a median 44 days on market as of June 2026, with units clearing slightly similarly at 44 days. Days on market have tightened by 4 days versus a year ago. Faster clearance typically coincides with stronger buyer demand and lower supply.
Is Fern Bay a tight or loose property market right now?
#Fern Bay's sales market sits at 4.0 months of supply for houses as of June 2026 — classified as Loose against the Australian distribution. Under 1.7 months is Severe (extreme shortage); over 4.5 months is Loose. The rental side is tighter still at 0.5 months of supply.
Have property prices in Fern Bay gone up or down?
#House prices in Fern Bay moved +50.0% over the 12 months to June 2026, while units moved +50.0%. The 5-year tape above plots the full monthly trajectory — showing where the market changed character rather than just crossing round numbers.
How active is the rental market in Fern Bay?
#Fern Bay's house rental market sits at 0.5 months of supply as of June 2026 — classified as Severe (extreme shortage), with 13 houses leased over the past 12 months. Tighter supply typically corresponds to faster letting and upward pressure on rents.
Where is Fern Bay in its property market cycle?
#Fern Bay's house market is currently in the 'in_demand_easing' phase as of June 2026 — combining above-median sales velocity nationally with year-on-year tightening in days on market. The demand cycle chart above plots all eight segments on the same demand-versus-direction axes.
How it compares
Vs state, vs nearby, vs popularHow does Fern Bay compare to other NSW suburbs?
#Fern Bay's median house price ($710k) is 16% below the NSW median ($846k) as of June 2026. On selling speed, houses clear in 44 days vs 20 days state median. On gross yield, Fern Bay sits at 2.94% vs 2.65% state median.
How does Fern Bay compare to neighbouring suburbs?
#Fern Bay's most-similar nearby market is Fletcher (13.4 km away) with a median house price of $805k — about 13% pricier. The Nearby and Similar markets sections above rank every peer within radius and by composite similarity across price, days on market, yield, ownership cost and cycle phase.
What's the most popular property type in Fern Bay?
#The most-transacted segment in Fern Bay over the 12 months to June 2026 is 2 bed houses with 13 sales. 3 bed houses come second at 13 sales. The buying-versus-renting section above breaks down the top segments with weekly mortgage, rent and ownership-cost detail.
How many properties were sold and leased in Fern Bay last year?
#Fern Bay recorded 13 house sales and 13 unit sales over the 12 months to June 2026 — a combined 26 transactions. On the rental side, 13 houses and 13 units were leased. Segments with statistically thin samples are excluded from displayed figures.
About the area
Population, income, who lives here, schoolsWhat postcode is Fern Bay in?
#Fern Bay is in postcode 2295, in the Newcastle & Lake Macquarie region of NSW. Addresses there are written as Fern Bay, NSW 2295.
What is the population of Fern Bay?
#Fern Bay, NSW 2295 is home to 3,627 residents (ABS Census 2021). The median resident age is 29, and the average household holds 1.4 people. The "Who lives here" section above breaks the community down by age, life stage and tenure.
What is the median household income in Fern Bay?
#The median household in Fern Bay earns $1k per week — roughly $55k a year (ABS Census 2021). Median personal income runs $490/week. Income, rent-to-income and mortgage-to-income context sits in the "Who lives here" section above.
What is the unemployment rate in Fern Bay?
#The unemployment rate in Fern Bay is 50.0% (ABS Census 2021). That sits right around the median for Australian suburbs. The rate counts people who are working or actively looking for work — not a share of all residents. Workforce participation sits at 50%. The local economy section above covers incomes, employment status and the occupation mix.
Do people own or rent in Fern Bay?
#Fern Bay is mostly owner-occupied: about 100% of households are owner-occupiers and 50% rent (ABS Census 2021). Of owners, 50% own outright and 50% are paying off a mortgage.
What schools are near Fern Bay?
#Fern Bay has 128 schools within reach, 1 of them inside the suburb itself — including Fern Bay Public School. The Schools section above maps each one with sector, year range, enrolment, Micromarkets-compiled academic ratings and ICSEA (ACARA).
Is Fern Bay a good place to live?
#Fern Bay, NSW 2295 has a population of 3,627, a median age of 29, a median household income around $1k/week, 50% of households renting (ABS Census 2021). There are 128 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 cadenceWhen was this Fern Bay market data last updated?
#This Fern Bay market data was last updated July 2026, covering the 12 months to 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.