Fern Bay (NSW 2295): property prices, streets & suburb profile

Fern Bay house and unit prices

The median Fern Bay house sold for $1,015,000 across the last 24 months; constant-quality growth is +98.3% over 10 years and +43.0% over 5 years.

• The headline growth figure uses a repeat-sales index of all dwellings (the same homes resold), which removes mix-of-what-sold noise; the tiles compare 12-month medians per dwelling type, so the two can differ, and differ widely where what sold changed.
• Unit medians are yearly because strata volumes are low; treat them as indicative.
• Quarters with fewer than three house sales are left off the chart; one sale does not make a market median.

Fern Bay street by street

Across the 24 Fern Bay streets that qualify for the ranking, five-year medians run from $690,000 on Nelson Bay Road to $1,223,000 on Oimara Street.

• A street needs at least 5 sales of a type in 10 years to get a median, so streets quieter than that are left out entirely.
• Sales that moved several properties on one dealing are left out, because the record repeats that dealing's whole price against every property in it.
• The highlight cards rank on house sales only, using each street's last-5-years median (at least 5 sales in that window), so unit-heavy streets are not mislabelled as cheap and the figures reflect prices a buyer could pay now; the table shows the full 10-year view.
• A street is left out of the ranking when its five-year median sits below three-fifths of its own 10-year median, or far below the suburb's median (a bar set higher for streets with no older sales of their own to stand behind them). Those windows are usually land sold before the houses went up, or a part share of a home priced as though it were the whole. Those streets stay in the table with their 10-year median.
• Prices are as-paid and not inflation-adjusted.

What buyers paid in Fern Bay

Half of the 113 house sales in the last 24 months landed between $925,000 and $1,265,000.

• House sales only, 24 months.
• Chart covers $700,000 to $1,500,000: 7 of the 113 house sales fall outside it (the cheapest and dearest few) and are left out so a handful of outliers cannot distort the shape.

Rent in Fern Bay by bedrooms

A 3-bedroom house rents for a median $725/wk.

• From NSW rental bond lodgements for postcode 2295 (covers neighbouring suburbs too), 12 months to July 2026.
• Bands with fewer than 10 bonds are hidden.
• Biggest 12-month move: 2-bedroom units +16.5% year on year.

Who lives in Fern Bay

Fern Bay has a median age of 43 and a median household income of $1,435 a week, and 72.3% of homes are owner-occupied.

• Figures labelled Fern Bay are for the suburb boundary itself (ABS 2021 Census). Anything labelled SA2 or postcode covers a wider area: SA2 "Stockton - Fullerton Cove" and postcode 2295 both extend beyond Fern Bay.
• SEIFA decile 1 is the lowest tenth of Australian areas on that index and 10 the highest. The four indices measure different things and often disagree, which is why all four are shown: a suburb can rank high on education and occupation while ranking mid on economic resources.

Bushfire, flood and planning in Fern Bay

49.8% of Fern Bay properties sit in a mapped bushfire-prone area; no flood mapping is available in our dataset for this suburb.

• Bushfire-prone land is the NSW RFS certified map; being inside it triggers extra building requirements, not a prediction of fire.
• Absence of flood mapping in our dataset is NOT evidence a property cannot flood: always order a council s10.7 certificate before buying.

Schools serving Fern Bay

Most Fern Bay homes fall in the Fern Bay Public School intake zone.

• ICSEA is ACARA's socio-educational index (average 1000). It describes the family backgrounds of the students enrolled, NOT how well a school teaches: a lower ICSEA means a less advantaged intake, not a worse school.
• Percentiles are ACARA's own national ranking, so the Australia bar is a published figure rather than our arithmetic. Each area shows the median of the mainstream schools sitting inside it; special schools are listed in the table but excluded from the medians.
• Catchments are NSW Department of Education intake zones; always confirm an address with the school.

Crime and safety around Fern Bay

Break-ins, car theft and malicious damage run at 1,879 per 100,000 residents in postcode 2295, 25.1% above the NSW rate of 1,502.

• Counts are BOCSAR recorded incidents for January 2025 to December 2025 at LGA and postcode grain: both cover several suburbs, so they include neighbours of Fern Bay.
• Rates divide incidents by resident population (ABS 2021 Census), so they are comparable between areas in a way raw counts are not. Every tier uses the same offences and the same 12 months for January 2025 to December 2025.
• Two limits worth knowing: the rate counts residents only, so a postcode with a town centre, nightlife strip or shopping precinct carries crime generated by visitors against a small resident denominator and reads high; and the population is the 2021 Census, so a suburb that has grown fast since then reads high too.

Recent house sales in Fern Bay

The most recent house sales on record in Fern Bay are from 2026, 25 of them. Search a street to see what it has been fetching.

One row per house sale on record for the last five years, by street and the year it sold. Sale prices are as paid. Part shares and multi-property dealings are excluded, and unit sales are not included here.

Suburbs near Fern Bay

Fern Bay's median house price of $1,015,000 is the 26th highest of the 93 Newcastle & Hunter suburbs we cover.

• Aberdare 2325

  $690,000 median house price

• Aberglasslyn 2320

  $820,000 median house price

• Abermain 2326

  $666,250 median house price

• Adamstown 2289

  $1,170,000 median house price

• Adamstown Heights 2289

  $1,249,250 median house price

• Anna Bay 2316

  $1,050,000 median house price

• Ashtonfield 2323

  $890,000 median house price

• Bellbird 2325

  $625,000 median house price

All Newcastle & Hunter suburb research

Fern Bay: common questions

What is the median house price in Fern Bay?

$1,015,000, based on 113 house sales over the 24 months to July 2026 (NSW Valuer General records).

What are the most and least expensive streets in Fern Bay?

Of the 24 Fern Bay streets that qualify for the five-year ranking, Oimara Street has the highest house median at $1,223,000 (7 sales); Nelson Bay Road has the lowest at $690,000 (9 sales).

How much have Fern Bay property prices grown?

A repeat-sales index of Fern Bay dwellings has risen 98.3% over 10 years and moved +43.0% over 5 years.

What does it cost to rent in Fern Bay?

The median 3-bedroom house in postcode 2295 rents for $725/wk, from 44 bonds lodged in the last 12 months.

Which public schools serve Fern Bay?

Fern Bay Public School (primary); Newcastle High School (secondary).

Is Fern Bay affected by bushfire or flood risk?

49.8% of properties sit in the NSW RFS bushfire-prone land map. No flood mapping is available in our dataset for this suburb; that is not evidence properties cannot flood; check a council s10.7 certificate.

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