Fingal Bay · Urban Centre

Housing & Dwellings in Fingal Bay

Where and how people live — the homes, how they are held, and what they cost.

Nearly half of all homes in Fingal Bay are now owned outright, a figure that has climbed 22 percentage points since 2011. This shift toward full ownership defines the local housing market, where the typical weekly rent has also risen sharply to $390.

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📍 Fingal Bay, Urban Centre

Where Fingal Bay sits — Median rent (weekly)

$390
  • $0–$21: 2 areas
  • $21–$43: 6 areas
  • $43–$64: 18 areas
  • $64–$86: 38 areas
  • $86–$107: 35 areas
  • $107–$129: 46 areas
  • $129–$150: 25 areas
  • $150–$171: 104 areas
  • $171–$193: 82 areas
  • $193–$214: 143 areas
  • $214–$236: 130 areas
  • $236–$257: 175 areas
  • $257–$279: 114 areas
  • $279–$300: 125 areas
  • $300–$321: 194 areas
  • $321–$343: 101 areas
  • $343–$364: 128 areas
  • $364–$386: 82 areas
  • $386–$407: 92 areas
  • $407–$429: 41 areas
  • $429–$450: 24 areas
  • $450–$471: 32 areas
  • $471–$493: 13 areas
  • $493–$514: 19 areas
  • $514–$536: 14 areas
  • $536–$557: 9 areas
  • $557–$579: 6 areas
  • $579–$600: 15 areas

All urban centre areas, 2021. The marker is Fingal Bay — higher than 86% of areas.

Median rent (weekly) compared with the state and national average
Fingal Bay$390
2315, NSW $390
New South Wales $420
Australia $375

Housing costs

Rents, mortgages and crowding.

Rent is much higher here than in most similar areas, increasing by $138 since 2016. Typical monthly mortgage payments are $1,733, which is about the same as the national figure and has barely changed since 2011.

$390

Higher than 86% of urban centre areas.

  • 2016: $252
  • 2021: $390

Median weekly rent paid by households renting their home.

$1,733 → 0.0%

Higher than 77% of urban centre areas.

  • 2011: $1,733
  • 2016: $1,087
  • 2021: $1,733

Median monthly mortgage repayment for households with a mortgage.

Weekly rent distribution

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In Fingal Bay, $350–$549 is the majority at 54%; $200–$349 is next at 26%.

Monthly mortgage distribution

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In Fingal Bay, the largest group is $1,800–$2,999 at 35%, followed by Under $1,000 (29%) and $1,000–$1,799 (22%).

Owning & renting

How homes are owned or rented.

Ownership is very high in Fingal Bay, with 49.2% of homes owned outright—far above the 31% national average. Meanwhile, the share of households renting has fallen to 22.9%, which is well below both state and national levels.

22.9% ▼ -10.8%

Higher than 55% of urban centre areas.

  • 2011: 25.7%
  • 2016: 30.9%
  • 2021: 22.9%

Share of occupied private dwellings that are rented.

49.2% ▲ +81.7%

Higher than 80% of urban centre areas.

  • 2011: 27.1%
  • 2016: 38.6%
  • 2021: 49.2%

Share of occupied private dwellings owned outright (no mortgage).

How homes are owned or rented

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In Fingal Bay, the largest group is Owned outright at 49%, followed by Rented (23%) and Owned with a mortgage (15%).

Types of homes

Houses, townhouses, apartments and bedrooms.

Detached houses have fallen to 51.5% of the total, a drop of 31 percentage points since 2011. This shift is reflected in the rise of townhouses and semi-detached homes, which now make up 45.5% of the area.

0.70 ▼ -36.4%

Lower than 86% of urban centre areas.

  • 2011: 1.10
  • 2016: 0.80
  • 2021: 0.70

Average number of usual residents per bedroom — a crowding measure.

51.5% ▼ -37.8%

Lower than 99% of urban centre areas.

  • 2011: 82.8%
  • 2016: 92.6%
  • 2021: 51.5%

Share of occupied private dwellings that are separate houses.

71.4% ▼ -12.7%

Lower than 72% of urban centre areas.

  • 2011: 81.8%
  • 2016: 79.6%
  • 2021: 71.4%

Share of occupied private dwellings with three or more bedrooms.

Types of homes

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In Fingal Bay, Separate house is the majority at 52%; Townhouse / semi-detached is next at 46%.

Bedrooms per home

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In Fingal Bay, the largest group is 3 bedrooms at 44%, followed by 2 bedrooms (27%) and 4 bedrooms (21%).

Sources

  • Census of Population and Housing — Australian Bureau of Statistics, 2021 (CC BY 4.0).

More for Fingal Bay

Cite this page

Australian Bureau of Statistics. (2021). Housing & Dwellings in Fingal Bay [Census of Population and Housing]. CensusAtlas, used under CC BY 4.0. https://censusatlas.au/region/ucl/UCL115058/fingal-bay/topic/housing-dwellings