New South Wales · Postcode 2295
Fern Bay postcode and suburb data
New South Wales · Phone area code 02 · 123 km from Sydney
Suburb snapshot
Fern Bay at a glance vs NSW
Fast facts and benchmark bars show the suburb's key postcode, Census, SEIFA, school and LGA signals in context.
Quick facts
Benchmarks against NSW
Income, rent and SEIFA figures are from the ABS 2021 Census and are reported in 2021 dollars, not adjusted for subsequent inflation.
Where Fern Bay ranks: rents are among the top 10% in NSW.
ABS Census 2021 · SEIFA 2021Detailed comparison table
Fern Bay vs the NSW average and the national average, using population-weighted 2021 Census data.
| Metric | Fern Bay | NSW avg | AU avg |
|---|---|---|---|
| Household income/wk | $1,435 -NSW | $1,931 | $1,836 |
| Rent/wk | $510 +NSW | $445 | $390 |
| Mortgage/month | $2,299 ≈NSW | $2,247 | $1,958 |
| Median age | 43 | 45.0 | 45.0 |
| SEIFA decile | 6/10 ≈NSW | 6.0/10 | 6.0/10 |
| Unemployment | 4.1% -NSW | 5.0% | 5.0% |
Green pill = at least 10% above the NSW average; red = at least 10% below; grey = within 10%. For unemployment, colour polarity is inverted: lower is better.
Fern Bay is a coastal suburb of Sydney in New South Wales, with postcode 2295. It sits about 123 km from the Sydney CBD, within the Port Stephens local government area. The suburb footprint covers roughly 8.3 square kilometres.
According to the 2021 Census, Fern Bay has a population of 4,046 with a median age of 43. The median weekly household income is $1,435, below the NSW average. The unemployment rate is 4.1%, lower than the NSW average. The Indigenous population is 213 (5.3% of residents).
Housing in Fern Bay includes a median weekly rent of $510, median monthly mortgage repayment of $2,299, with 1,641 total dwellings. These housing costs sit above the NSW average. Owner-occupied dwellings (owned or mortgaged) make up 75.3% of housing.
On the SEIFA Index of Relative Socio-economic Advantage and Disadvantage, Fern Bay scores in decile 6 out of 10, which is around the national average.
Fern Bay is served by Fern Bay Public School.
Fern Bay is part of the Newcastle statistical area in New South Wales.
Fern Bay details
Location, Census, housing, SEIFA and geography fields used across this profile.
| Postcode | 2295 |
| State | New South Wales (NSW) |
| Phone Area Code | 02 |
| Population (2021) | 4,046 |
| Median Age | 43 years |
| Median Household Income (Census 2021) | $1,435/week |
| Median Personal Income (Census 2021) | $735/week |
| Median Weekly Rent (Census 2021) | $510 |
| Median Monthly Mortgage (Census 2021) | $2,299 |
| Average Household Size | 2.4 persons |
| Area | 8.3 km² |
| Population Density | 488/km² |
| Total Dwellings | 1,641 |
| Australian Citizens | 91.6% |
| Indigenous Population | 213 (5.3%) |
| Unemployment Rate | 4.1% |
| SEIFA IRSAD Decile | 6/10 (average) |
| Latitude | -32.873889 |
| Longitude | 151.795 |
| Distance from Sydney | 123 km |
| Region (SA4) | Newcastle and Lake Macquarie |
| Area (SA3) | Newcastle |
| Local Government | Port Stephens |
| Federal Electorate | Newcastle |
| State Electorate | Newcastle |
| Time Zone | AEST (UTC+10), Australia/Sydney (standard time) |
Age Profile
Show counts
| 0–14 years | 805 (19.9%) |
| 15–24 years | 314 (7.8%) |
| 25–44 years | 981 (24.2%) |
| 45–64 years | 733 (18.1%) |
| 65+ years | 1,215 (30.0%) |
Housing Tenure
SEIFA socio-economic index
Health Conditions (2021 Census)
| Arthritis | 574 (14.2%) |
| Asthma | 390 (9.6%) |
| Heart Disease | 264 (6.5%) |
| Diabetes | 256 (6.3%) |
| Cancer | 199 (4.9%) |
| Lung Condition | 145 (3.6%) |
| Dementia | 40 (1.0%) |
Long-term health conditions self-reported in the 2021 Census. Persons may report more than one condition.
Motor Vehicles per Dwelling
| No vehicle | 71 (4.4%) |
| 1 vehicle | 687 (42.5%) |
| 2 vehicles | 623 (38.6%) |
| 3+ vehicles | 234 (14.5%) |
Schools in Fern Bay
ACARA 2025 school profiles for schools located in Fern Bay. ICSEA is shown where ACARA publishes it.
Suburbs Near Fern Bay
Same Postcode (2295)
More Fern Bay Data
Page last reviewed . Data sources: Australian Bureau of Statistics 2021 Census (CC BY 4.0), SEIFA 2021 IRSAD, ACARA school profiles 2025. How this data is sourced.