Question 1

Is Fingal Bay a nice place to live?

Accepted Answer

Fingal Bay is a relaxed coastal village on the Tomaree Peninsula, centred on a sweeping crescent beach with Fingal Island just offshore. Sheltered waters make it popular with families and swimmers, while exposed breaks and nearby headlands attract surfers and coastal walkers. Much of the coastline is protected parkland with walking tracks and lookouts, and a compact village centre provides local shops, cafes and visitor accommodation. Housing ranges from weatherboard beach cottages to low-rise modern homes, giving the area a quietly coastal, holiday atmosphere.

The community is small, about 1,635 people, with a median age of 63 and a high share of couple households without children. Around three in four homes are owner-occupied and roughly a quarter are rented. Council-led foreshore improvements are under way, including a funded shade sail for the playground, upgraded park furniture and a new shared path, and there are planned upgrades to the local holiday park. If you value easy beach access, coastal walking and a compact village centre, Fingal Bay may suit you.

Question 2

Is it expensive to live in Fingal Bay?

Accepted Answer

Rents in Fingal Bay take a large share of a typical local household's income as recorded at the most recent Census. With a median household income of $1,114 a week at the last Census, the average house rent of $645 a week is about 57.9% of that weekly income, and the average unit rent of $610 a week is about 54.7%. On these figures, renting in Fingal Bay would use a large portion of what a typical local household earned at the last Census; whether that feels expensive depends on your own income and circumstances.

Everyone's financial situation is different, so it's important to consider your own circumstances when deciding which suburb is right for you.

Question 3

Is Fingal Bay a good place to invest?

Accepted Answer

If rental income is your focus, the most striking movement in Fingal Bay over the past year is unit rents, which climbed 15.1%. House values also rose a strong 12.8% over the year, while the rent on houses edged down by 0.8% in the same period.

Put another way, this year saw solid capital growth for houses and notably stronger rent growth on the unit side. Which of those outcomes matters to you will depend on whether you prioritise capital growth or rental income and on your own goals and circumstances.

This information has been prepared without taking your objectives, needs and overall financial situation into account. It is not meant to be a substitute for professional financial advice. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice.

	Houses	Units
Median price Past 3 months	N/A	N/A
Change in value Past 12 months	12.8%	N/A
Sold Past 3 months	8	1
Median days on market Past 12 months	35	N/A
Average rent Past 12 months	$645	$610
Change in rent Past 12 months	-0.8%	15.1%

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