Fern Bay, NSW 2295
Port Stephens CouncilAll suburbs in postcode 2295
Updated
Median house price
$965,000
+1.3% over the past year.
Median of 71 house sales · NSW Valuer General · calendar 2025
Selling in Fern Bay?
Get the free selling guide, personalised to Fern Bay, or ask for a free appraisal from a local agent.
Fern Bay at a glance
- Median unit
- $343,440
- Weekly rent
- $780
- Houses
- Population
- 4,046
- Median age 43
Prices: Median of 71 house sales · NSW Valuer General · calendar 2025 · Rent: NSW rental bond data (postcode 2295), June 2026 · Population: 2021 Census
House prices in Fern Bay
Houses change hands at $965,000 on a typical sale, in line with the NSW median (71 house sales, NSW Valuer General, calendar 2025). Units come in around $343,440, roughly 64% below the house median. The 12-month picture is essentially flat performance (+1.3%), so buyers and sellers are negotiating on roughly the same number.
For buyers
A 20% deposit on the median house works out to roughly $193,000. Prices are in line with the NSW median, so the broader state lending settings apply.
Rental data as of June 2026· NSW rental bond data (postcode 2295)
Free appraisal in Fern Bay
What’s your home worth in Fern Bay?
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What to know about Fern Bay
Fern Bay (2295) sits in the Port Stephens region of NSW. The median house here is $965,000, in line with the NSW median of around $1.10M. Prices have moved +1.3% over the past year, behind the NSW average (3%).
Fern Bay has roughly 4,046 residents, with an established, older skew. Households are mostly owner-occupied. Daily life is car-dependent: most residents drive to work, school and the shops.
What it’s like to live here
Fern Bay scores 4/100 on walkability, which makes it car-dependent with limited public transport. Plan for two cars in a typical household, especially if work isn't local.
Summer days here average around 28°C (warm), winter mornings around 8°C (cool). Annual rainfall lands at about 1,042 mm. Figures are our 1991 to 2020 averages of SILO data for this location (Queensland Government, built from Bureau of Meteorology observations).
Schooling within or near the suburb covers 9 government primary, 2 government secondary, 6 Catholic, 3 independent.
Schools in Fern Bay
Location
Walkability
- Walk
- 4/100
- Transit
- 0/100
- Bike
- 100/100
Very car dependent. Scores out of 100, calculated from OpenStreetMap data (ODbL).
Walkability data as of May 2026· OpenStreetMap
Demographics
The 2021 Census put Fern Bay's population at 4,046, with a median age of 43. That sits as an established, older skew. Households are mostly owner-occupied (72% own, 24% rent), which shapes everything from school catchment stability to how often properties turn over. The household mix skews family-dominated (68% family households, 30% lone person), so amenity decisions tend to follow what families want: parks, schools, supermarkets.
- Family households
- 68%
- Lone person
- 30%
- Owner occupied
- 72%
- Renter occupied
- 24%
Demographics data as of May 2026· ABS 2021 Census
Investment overview
Gross rental yield on houses sits at 4.20% (median rent $780/wk against a $965,000 price tag). Renter share is modest (24%), so the rental pool is smaller and tenant demand can be patchier than in higher-density suburbs.
- Gross yield, housesSource: NSW Valuer General (PSI) · Sept 2026
- 4.20%
- On the $965,000 median
- 12-month change, housesSource: NSW Valuer General (PSI) · Sept 2026
- +1.3%
Gross rental yield is a year’s rent divided by the purchase price, before expenses. It leaves out vacancy, management fees, maintenance and financing costs, so treat it as a starting point.
Crime and safety
50 offences recorded in 2026
Top offence categories
Source: State Police Open Data
Crime data as of January 2026
Weather year-round
- Annual rainfall
- 1,042 mm
- Hottest month, avg max
- 28.3°C
- Coldest month, avg min
- 7.9°C
Rainfall by month
Our 1991 to 2020 averages of SILO data (Queensland Government, built from Bureau of Meteorology observations, CC BY 4.0) for this location.
Climate data as of October 2026· SILO (Queensland Government), from Bureau of Meteorology observations
Questions about Fern Bay
- What is the median house price in Fern Bay?
- The median house price in Fern Bay, NSW 2295 is $965,000 (median of 71 house sales recorded by the NSW Valuer General in calendar 2025). The median unit price is $343,440. Annual growth is +1.3%.
- How much is my house worth in Fern Bay?
- A useful starting point is the Fern Bay median house price of $965,000 (units $343,440). Your home will sit above or below that depending on land size, condition, position and what comparable homes nearby have sold for recently. For a figure specific to your property, request a free property appraisal from a local agent using the form on this page.
- Is Fern Bay a good investment?
- On the published figures, the gross rental yield on houses in Fern Bay is 4.2%: the median weekly house rent is $780 (NSW rental bond data (postcode 2295), June 2026) against the median house price of $965,000 (NSW Valuer General, calendar 2025). The median house price rose 1.3% over 12 months on the same NSW Valuer General figures. Whether Fern Bay is a good investment for you depends on the price you pay, your loan and holding costs, vacancy and your tax position. These are published market figures, not financial advice.
- What is the Fern Bay postcode?
- Fern Bay is in the 2295 postcode, in NSW, in the Port Stephens Council region.
- Where is Fern Bay?
- Fern Bay is a suburb in the Port Stephens Council area, NSW 2295.
- What is the average rent in Fern Bay?
- The median weekly rent for houses is $780.
- What schools are in Fern Bay?
- There are 20 schools serving Fern Bay on this page, including Fern Bay Public School, Stockton Public School, St Peter's Primary School.
- How walkable is Fern Bay?
- Fern Bay has a Walk Score of 4 out of 100, highly car-dependent. transit score 0, bike score 100.
- What suburbs are near Fern Bay?
- Fern Bay is close to Kooragang, Fullerton Cove, Stockton, Tighes Hill, Mayfield East.
- What is the population of Fern Bay?
- The population of Fern Bay is approximately 4,046 (2021 Census). The median age is 43.
Selling in Fern Bay? Get the free selling guide
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Sources. House and unit medians from the NSW Valuer General, Land Victoria, the SA Government and the ABS; rents from the state rental bond authorities. Census from the ABS (2021), climate from the Bureau of Meteorology, hazard from Geoscience Australia, schools from ACARA and crime from state police open data. Each figure carries its source and date. How we source data
How we’re paid. The guides and this page are free. When a seller asks, we introduce one local agent, and the agent pays us a flat fee for the introduction, never a share of their commission; it costs the seller nothing. If a figure looks wrong, tell us and we’ll fix it.