Fingal Bay, NSW
OVERVALUED2,149 sales · 36 years of data · NSW, Australia
Fingal Bay, NSW Property Market Overview
Fingal Bay, NSW, postcode 2315, is a coastal suburb located in the Port Stephens region, north of Sydney. Our data spans 36 years, capturing 2,149 recorded property sales, providing a comprehensive view of its market history.
Fingal Bay boasts a current median property price of $1,250,000 across all property types. Houses command a median of $1,332,500, while apartments sit at $906,000. The suburb is known for its beautiful beaches and relaxed coastal lifestyle, making it a desirable location for both permanent residents and holidaymakers.
Property Mix
Data You Can Trust
Every figure backed by NSW government sale records
What Subscribers See
A preview of the full analysis available for Fingal Bay
Top streets in Fingal Bay, NSW by median sale price
See which streets command the highest prices and how many sales back each ranking.
| # | Street | Median Price |
|---|---|---|
| 1 | Pacific Dr | $1,570,000 |
| 2 | Marine Dr | $735,000 |
| 3 | Rocky Point Rd | $965,000 |
| 4 | Boulder Bay Rd | $1,252,500 |
... and 45 more streets available
Subscribers also see:
- Street price per m² analysis
- Street annual growth rates (CAGR)
- Premium vs discount % comparison
Streets by price per square metre
Compare land and building value across streets — essential for finding underpriced pockets.
| # | Street | Median $/m² |
|---|---|---|
| 1 | Pacific Dr | $1,964/m² |
| 2 | Rocky Point Rd | $2,194/m² |
| 3 | Pebble Pde | $2,050/m² |
| 4 | Boulder Bay Rd | $2,001/m² |
... and more $/m² rankings
View full $/m² data →Fastest growing streets by median price
10-year compound annual growth rate (CAGR) by street — see which streets are outperforming the suburb.
| # | Street | 10yr CAGR |
|---|---|---|
| 1 | Shoreline Dr | +6.4% |
| 2 | Boulder Bay Rd | +9.1% |
| 3 | Shoreline Dr | +9.2% |
| 4 | Marine Dr | +22.6% |
... and more street growth rates
See all growth rates →Past growth rates are not indicative of future performance. This data is for informational purposes only.
Building-by-building comparison
| # | Address | Median |
|---|---|---|
| 1 | 14 Legana Cl | $1,800,000 |
... and 15 more buildings
Compare individual buildings by price per sqm, median unit price, and sales volume. Identify which buildings are gaining or losing value relative to the suburb average.
View full building data →Flipper risk & hold period analysis
Properties resold within 2 years may signal problems — structural issues, noisy locations, or overpayment. See hold period distribution and flagged streets.
See flipper risk data →Settlement times & problem streets
Extended settlement times can indicate building defects, financing difficulties, or legal issues. See which streets have the longest settlement periods.
See settlement data →Density & development tracking
Track which streets are converting from houses to apartments. Understand how density is changing the suburb's character and property values over time.
See density trends →Unlock the full Fingal Bay analysis
49 streets and 19 buildings to explore
Trusted by 100+ property investors across NSW
Nearby Suburbs to Fingal Bay
Fingal Bay at a Glance
Fingal Bay, NSW
Map data © OpenStreetMap contributors
Local Amenities
Living in Fingal Bay, NSW
Living in Fingal Bay offers a relaxed coastal lifestyle with stunning beaches and natural beauty. The suburb is known for its family-friendly atmosphere and strong sense of community.
Local schools such as Tomaree High School and Shoal Bay Public School serve the area. While there isn't a train station directly in Fingal Bay, nearby bus routes connect residents to major transport hubs. For shopping, residents often head to Salamander Bay Shopping Centre. Fingal Bay also boasts beautiful parks and reserves, including Fingal Bay Beach and the surrounding Tomaree National Park, offering ample opportunities for outdoor activities.
Who Buys in Fingal Bay?
Fingal Bay attracts a diverse range of buyers. The suburb's median house price of $1,332,500 suggests it appeals to established families and professionals. The apartment median of $906,000 may attract downsizers and some first-home buyers, while the 22.1% strata ownership indicates a market for those seeking lower-maintenance living. The historical growth, as reflected in the CAGRs, may also draw the attention of those looking for long-term capital appreciation.
Market Analysis
The Fingal Bay property market is currently positioned above its long-term trend, indicating that it's in overvalued territory. This means that property prices in Fingal Bay are elevated compared to their historical average.
Understanding the cycle position is crucial for assessing the current state of the market. While Fingal Bay has experienced strong growth, this positioning suggests buyers may need to exercise caution and carefully analyse property values.
Is Fingal Bay a Good Investment?
Fingal Bay's historical growth patterns suggest a desirable location with strong demand. The 10-year CAGR of 11.3% highlights the suburb's potential for capital appreciation. However, the current cycle position indicates that Fingal Bay is above its long-term trend.
Factors driving property values in Fingal Bay likely include its coastal location, lifestyle appeal, and limited land availability. The suburb's popularity as a holiday destination may also contribute to demand. While historical performance is no guarantee of future results, the long-term CAGR of 8.0% demonstrates consistent growth over the past 36 years.
Fingal Bay Market Outlook
As of early 2026, the Fingal Bay property market is positioned above its long-term trend. Recent price trends have reflected this cycle position. Market observers are closely watching to see how these conditions evolve in the coming months. The market dynamics in Fingal Bay remain subject to broader economic influences, both nationally and locally.
Streets & Location in Fingal Bay, NSW
Fingal Bay, postcode 2315, is characterised by its prime coastal location. Some of the most sought-after streets, reflected in their median prices, include LENTARA ST, BOULDER BAY RD, and MARINE DR. With a total of 49 streets, Fingal Bay offers a diverse range of property locations and styles.
Market Dynamics
Transaction patterns in Fingal Bay show an average settlement timeframe of 49 days. This indicates a fairly efficient property market. Data on quick-flips is currently unavailable for Fingal Bay. These settlement times provide insights into the pace of property transactions within the suburb.
Development & Density
Fingal Bay features 19 apartment buildings, contributing to its overall development density. While houses dominate the property landscape, the presence of apartments provides a mix of housing options. The strata percentage of 22.1% reflects the proportion of apartment ownership in Fingal Bay.
Growth & Property Mix
Fingal Bay has demonstrated significant growth over the years. The 10-year Compound Annual Growth Rate (CAGR) stands at an impressive 11.3%, while the 20-year CAGR is 5.9%. Over the full 36-year period, the CAGR is 8.0%. The property mix in Fingal Bay is varied, with apartments making up 22.1% of the market, offering different investment options.
All data on this page is sourced from NSW government property sale records. Market analysis, cycle positions, growth rates, and all other metrics are provided for informational purposes only and do not constitute financial, investment, legal, or property advice. Always seek independent professional advice before making any property or financial decisions.
This information is based on historical sales data and does not constitute financial, investment, or property advice. Past performance is not indicative of future results. Always consult a qualified professional before making property decisions.