🔍

Fingal Bay

NSW 2315 • Rest of NSW

1,635
Population (2021)
$57,928
Median Household Income
9.61 km²
Area
$390/wk
Median Rent
CoastalBeach LifestyleHoliday DestinationRetiree-FriendlyNature

About Fingal Bay

Fingal Bay is the easternmost suburb of the Port Stephens area, a picturesque coastal village nestled at the base of the Tomaree Peninsula about 2.5 hours north of Sydney. With a small permanent population of around 1,600, this tight-knit community swells significantly during holiday periods. The lower median income reflects the retiree-heavy demographic and seasonal tourism nature of the local economy.

Fingal Bay offers an idyllic beachside lifestyle with its sweeping white sand beach, rock pools, and views across to the iconic Fingal Island (Fingal Spit). The beach is patrolled during summer and is perfect for swimming, surfing, and fishing. Residents enjoy whale watching from the headland, bushwalking in Tomaree National Park, and a relaxed holiday atmosphere year-round. It's a favourite for families seeking a quieter alternative to nearby Nelson Bay.

Fingal Bay falls under postcode 2315 and is governed by Port Stephens Council (LGA). For state elections, residents vote in the Port Stephens electorate.

📍 Location

State
New South Wales
Postcode
2315
Urban Area
Port Stephens - Surrounds
LGA / Council
Port Stephens
Federal Electorate
Paterson
State Electorate
Port Stephens
Type
Urban
Timezone
Sydney (UTC+10)
Coordinates
-32.75°, 152.17°
Statistical Area
Rest of NSW
Area
9.61 km²
Elevation
21m

🏷️ Property Prices 2025

Median sale prices in Fingal Bay for 2025. Based on every residential settlement recorded by the NSW Valuer General in 2025.

🏡House
$1.28M
35 sales · ▲ 4.5% vs 2024
🏢Unit / Apartment
$906K
10 sales · ▲ 20% vs 2024

Source: NSW Valuer General — Property Sales Information. Strata-titled sales are counted as units; all others as houses. Suburbs with fewer than 5 sales in a category are omitted.

🏠 Housing 2021 Census

Median Rent (weekly)
$390
Median Mortgage (monthly)
$1,733
Avg Household Size
2.1 people
Median Age
63 years
Social Housing (% of dwellings)
3.3%

11 state housing + 12 community housing dwellings (ABS 2021 Census)

🚌 Transport & Commute

Bus Services

  • Local bus services — Sydney CBD 459-612 min

Commute to Sydney CBD

Distance
153 km
By Train
Approximately 383 min to Sydney CBD (Central) by train
By Car (Peak)
2+ hours
By Car (Off-Peak)
1.5+ hours

🛣️ Located 153 km north-east of Sydney CBD

Walkability Car-Dependent

Local amenities are limited; most errands require a car or public transport

🛒 Supermarkets Nearby

No major supermarkets listed for this suburb.

🎓 Schools

🏛️ Heritage-Listed Places

There is 1 heritage-listed place in or near Fingal Bay, listed on the NSW State Heritage Register.

Point Stephens Lighthouse Group
Shark Island, Port Stephens • SHR #01005

🚔 Crime Statistics LGA-wide

These are the latest 2025 rates for the Port Stephens Local Government Area, which contains Fingal Bay. Rates are per 100,000 residents; trends compare 2 and 10 year periods ending Dec 2025.

Break & enter (dwelling)
164.8 / 100k
2yr Down 30.1% 10yr Down 11.1%
Motor vehicle theft
197.7 / 100k
2yr Stable 10yr Stable
Non-DV assault
353.6 / 100k
2yr Down 22.3% 10yr Stable
Robbery (unarmed)
8.9 / 100k
2yr — 10yr —
Steal from vehicle
249.7 / 100k
2yr Stable 10yr Down 8.0%
View all 62 offence types for Port Stephens →

Source: NSW Bureau of Crime Statistics and Research (BOCSAR)

🎓 Educational Institution Attending 2021 Census

School Sector Breakdown

👥 Demographics

Census 2016
1,614
Census 2021
1,635
▲ 1.3% growth

Population Growth

Gender Distribution (Census 2021)

Personal Income 2016
$25,896
Personal Income 2021
$29,796
▲ 15.1% increase

2021 Census income breakdown

Personal = median for one earner. Household = all members of a dwelling pooled. Family = related members only. Annual = weekly × 52.

Personal
$29,796 / yr
$573/wk
Household
$57,928 / yr
$1114/wk
Family
$67,756 / yr
$1303/wk

Personal Income Comparison (2016 vs 2021)

📊 Population: ABS Census 2021
💰 Income: ABS Census 2021

🌍 Country of Birth 2021 Census

Born in Australia 1,315
Born Overseas 221

Top Countries of Birth (excl. Australia)

  • 1. England 78
  • 2. New Zealand 17
  • 3. Germany 16
  • 4. Scotland 13
  • 5. South Africa 10
  • 6. Malta 7
  • 7. Italy 6
  • 8. Netherlands 6
  • 9. Nepal 5
  • 10. Poland 5

🧬 Ancestry 2021 Census

Top ancestries reported (people may report up to two)

English 767
Australian 590
Irish 235
Scottish 183
German 75
Australian Aboriginal 48
Italian 23
Welsh 23
Dutch 12
New Zealander 11

👨‍👩‍👧 Parents' Birthplace 2021 Census

1,080
Both parents born in Australia
270
Both parents born overseas
155
One parent AU, one overseas

🛐 Religion 2021 Census

Christianity
57.6%
No Religion
33.8%
Buddhism
0.3%
Hinduism
0.2%
Islam
0.2%

📊 Age Distribution 2021 Census

0-4 years
40 (2.4%)
5-14 years
131 (8.0%)
15-19 years
52 (3.2%)
20-24 years
42 (2.6%)
25-34 years
89 (5.4%)
35-44 years
104 (6.4%)
45-54 years
138 (8.4%)
55-64 years
278 (17.0%)
65-74 years
378 (23.1%)
75-84 years
280 (17.1%)
85+ years
110 (6.7%)

Nearby Suburbs

Frequently Asked Questions

What is Fingal Bay known for? +

Fingal Bay is a small urban locality in NSW, situated within the Port Stephens area. It is home to a close-knit community of approximately 1635 residents and is valued for its quiet residential character.

How far is Fingal Bay from Sydney CBD? +

Fingal Bay is approximately 153 kilometres from Sydney CBD, typically a 1.5+ hours drive under normal traffic conditions. The suburb is a significant distance from the city and is oriented towards its local regional centre rather than the capital CBD.

Does Fingal Bay have public transport? +

Fingal Bay is served by local bus services connecting residents to the broader metropolitan network. The nearest train station provides connections to Sydney CBD.

What is the population of Fingal Bay? +

According to the 2021 Census, Fingal Bay has a population of approximately 1,635 residents. The suburb has seen steady residential development and offers a range of local services.

Is Fingal Bay a good place to live? +

Fingal Bay suits those who prefer a modest, community-oriented neighbourhood with reasonable access to local services. Its small population means a peaceful setting, though residents typically need to travel to larger towns for comprehensive shopping, medical, and education services.

What is the postcode for Fingal Bay? +

The postcode for Fingal Bay, NSW is 2315.

What is the average income in Fingal Bay? +

Based on the 2021 Census, the median personal income in Fingal Bay is about $573 per week (around $29,800 per year). The median household income is $1,114 per week and the median family income is $1,303 per week.

What is the median house price in Fingal Bay? +

As of 2025, the median house price is $1,280,000, up 4.5% on the previous year, and the median unit/apartment price is $906,000, up 20% on the previous year. Figures are based on NSW Valuer General — Property Sales Information.

What is the age profile of Fingal Bay? +

The median age in Fingal Bay is 63. The largest age group is 65–74 (378 residents, around 23%). Around 14% of residents are under 20 and about 47% are aged 65 or older. (2021 Census)

Is Fingal Bay a safe area? +

Crime statistics are recorded at the Local Government Area level. Fingal Bay is part of the Port Stephens LGA — see the Crime Statistics section on this page for the latest recorded offence rates per 100,000 residents, along with 2-year and 10-year trends.

How much is rent in Fingal Bay? +

In Fingal Bay, the median weekly rent is $390, and the median monthly mortgage repayment is $1,733 (2021 Census).