Fingal Bay Demographics: Population, Age & Income Profile (NSW)
Is Fingal Bay Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Fingal Bay, New South Wales, covering flood, bushfire, sea level rise and more.
What A$49 could save you from
*Industry sources: ICA, APRA, RBA
Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections
Not ready to check your address? See a free sample report →
Liveability Score
5.2Fingal Bay has a medium demographic profile typical of New South Wales suburbs
Key Facts
- Median Age
- 38 years (state avg)
- Median Household Income
- $1,468/wk (state avg)
- Families with Children
- 28.7% of households
- Home Ownership
- 64.5% own — 31.5% rent
- Postcode
- 2315
- Region
- Coastal NSW
- Median property value
- $925,000
- Dominant hazard
- extreme heat
Demographics Analysis
Fingal Bay in New South Wales reflects the broader demographic characteristics of the region. According to the Australian Bureau of Statistics (ABS) 2021 Census, the typical household in New South Wales has a median weekly income of around $1,468, with a median age of 38 years.
The ABS reports that 28.7% of households in New South Wales are couples with children, while 24.7% are couples without children. Lone person households account for 24.5% of households. This family composition data helps home buyers understand the neighbourhood character and amenity demand.
Home ownership rates in New South Wales show that 64.5% of households own their home (with or without a mortgage), while 31.5% rent. These tenure patterns affect property turnover rates, rental demand, and neighbourhood stability — all important factors for home buyers evaluating Fingal Bay.
Climate risk is an increasingly important factor for property buyers evaluating suburbs like Fingal Bay. Different demographic groups face different climate exposure profiles — families may prioritise heat safety near schools, while retirees may be more concerned about insurance costs in flood-prone areas. Get an address-level climate risk report for your Fingal Bay property to understand how climate projections may affect your investment.
Fingal Bay located in Coastal NSW (postcode 2315), is a New South Wales suburb tracked by ClimateNest. The suburb's median property value is $925,000, and understanding climate exposure is becoming a standard part of due diligence for buyers, lenders and insurers pricing property in Fingal Bay.
Across the six hazard axes ClimateNest models, the dominant climate risk for Fingal Bay in this type is extreme heat. Insurance signals for the suburb point to premiums rising moderately (+30% by 2030). The actual risk of any single home can only be confirmed with an address-level report.
Whether you are buying, selling or renovating in Fingal Bay, extreme heat is the hazard to weigh first. Local council planning controls, state hazard mapping and lender climate policies each reference this kind of suburb-level signal, and property decisions in Fingal Bay are increasingly made with an address-level climate report in hand.
Adaptation & Mitigation Actions
Upgrade Drainage Infrastructure
Near-termImprove drainage systems to reduce the risk of flooding from heavy rainfall.
Est. cost: Medium
Strengthen Coastal Defenses
Near-termImplement measures to protect the coastline from erosion and inundation, such as seawalls and beach nourishment.
Est. cost: High
Bushfire Preparedness
ImmediateClear vegetation around properties, develop a bushfire survival plan, and stay informed about fire danger ratings.
Est. cost: Low
Heatwave Preparedness
ImmediateStay hydrated, seek air-conditioned environments, and check on vulnerable neighbors during heatwaves.
Est. cost: Low
Relocate critical infrastructure
Long-termMove essential services and infrastructure away from areas at high risk of coastal inundation.
Est. cost: Very High
Council & Emergency Services
Explore Fingal Bay Risk Reports
View other climate risk assessments for Fingal Bay:
Frequently Asked Questions
What is the population of Fingal Bay?
Population data for Fingal Bay comes from the ABS 2021 Census, the most recent national census. For the most current suburb-level population data, refer to ABS QuickStats or consult the New South Wales state government's population projections. Understanding population trends helps home buyers assess housing demand, infrastructure investment, and neighbourhood character.
What is the median age in Fingal Bay?
The median age for New South Wales is 38 years according to the 2021 ABS Census, which serves as a reference point for Fingal Bay. A younger median age often indicates more families and first home buyers, while older demographics suggest established households and potentially lower turnover. Both have implications for property demand and investment strategy.
What is the average household income in Fingal Bay?
The median weekly household income in New South Wales is $1,468 per week (ABS 2021 Census). Household income affects serviceability for mortgage lending, rental affordability, and the type of housing stock in demand within a suburb. Higher-income areas typically support stronger property values and faster capital growth. Combine demographic research with a climate risk report from ClimateNest for a complete property assessment.
What type of people live in Fingal Bay?
The demographic profile of Fingal Bay is broadly shaped by its location within New South Wales. According to the ABS Census, 28.7% of households in the state are couples with children, while 24.7% are couples without children. The overall population of New South Wales has a median age of 38 — use this as context when assessing the demographic character of Fingal Bay.
Is Fingal Bay Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Fingal Bay, New South Wales, covering flood, bushfire, sea level rise and more.
What A$49 could save you from
*Industry sources: ICA, APRA, RBA
Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections