Boat Harbour vs Fingal Bay.
Comparing two suburbs with median house prices of $1,250,000 and $1,280,000. Boat Harbour edges out on more headline metrics in this comparison.
Boat Harbour (median $1,250,000) is roughly 2% cheaper to buy into than Fingal Bay ($1,280,000). Over the past year, Fingal Bay (+4.5%) ran 4.5 percentage points ahead of Boat Harbour (0%) on house-price growth.
Boat Harbour scores higher on walkability (4/100 vs 2/100 ), useful if you're optimising for a car-light household. On school quality, the average ICSEA across schools serving Boat Harbour (969) sits above Fingal Bay (961).
For buyers
Boat Harbour is the lower entry point at $1,250,000 median, 2% below the other suburb. For first home buyers, that translates to a smaller deposit and lower stamp duty bill.
For investors
Investors face a yield-versus-growth split: Boat Harbour delivers the better gross yield (3.24% vs 2.93%), but Fingal Bay has run faster on capital growth this year. The right pick depends on whether you're optimising for cash flow or capital appreciation.
For families
Boat Harbour edges out on average school ICSEA (969 vs 961).
Common questions
Is Boat Harbour or Fingal Bay cheaper to buy in?
Boat Harbour has the lower median house price at $1,250,000, roughly 2% below Fingal Bay ($1,280,000). The gap on units is usually similar but worth checking on the full suburb profiles.
Which has stronger property growth, Boat Harbour or Fingal Bay?
Over the past 12 months, Fingal Bay grew +4.5% vs 0% in Boat Harbour, a gap of 4.5 percentage points. Twelve-month growth can swing year to year, so weight long-run trends from the individual suburb profiles before making a buy decision.
Does Boat Harbour or Fingal Bay have better schools?
On average school ICSEA (the ACARA index that benchmarks educational advantage), Boat Harbour scores 969 vs 961 in Fingal Bay. ICSEA is a school-community indicator, not a quality rating, so always check NAPLAN results and catchment boundaries for the specific address you're considering.
Which is more walkable, Boat Harbour or Fingal Bay?
Boat Harbour scores 4/100 on walkability vs 2/100. Above 70 is considered very walkable (most errands on foot), 50-69 is walkable for some errands, below 50 typically requires a car for daily life.
Which suburb has higher rental yield, Boat Harbour or Fingal Bay?
Gross rental yield on houses is 3.24% in Boat Harbour vs 2.93% in Fingal Bay. Gross yield equals annual rent divided by purchase price. Net yield (after strata, rates, insurance, agent fees and maintenance) typically runs 1.5-2 percentage points lower.
The numbers behind the take
Price & Market
Rental
Lifestyle & Demographics
Risk & Hazard
Schools
Climate
Green dot = better on that metric (lower price, higher growth, higher walkability, lower risk).
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