NSW2283· Pop. 24,419Lake Macquarie

FENNELL BAY

EstablishedSteady performer with reliable demand and moderate capital growth

Investor score

Vacancy rate is a modelled estimate. Price, rent and annual growth use real government data (see source labels on each card). This is not financial advice. See full disclaimer.

Median price

$912,500

NSW VG · 2026

Rent yield

3.4%

computed from govt data

Annual growth

5.5%

annualised from govt data

Vacancy rate

1.4%

modelled estimate

AI insights for FENNELL BAY

Investment analysis, risks & comparisons

PREMIUM

FENNELL BAY shows strong investment fundamentals with above-average rental demand and a tightening supply pipeline. The gentrification index of 67/100 signals continued capital appreciation potential, particularly within 600m of the main retail and transit corridor.

Key risk: elevated auction clearance volatility over the past two quarters suggests shifting buyer sentiment. Net yield after typical holding costs sits at approximately 3.6%, below the state median of 4.1% — factor this into cash-flow modelling.

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Median price sourced from NSW VG · 2026 — real government transaction data. Growth, demand and vacancy figures remain modelled estimates.

Median rent

$600/wk

NSW Fair Trading · Apr 2026

Demand change

+4.2%

annual shift

Yield × growth index

4.5

combined signal

Net yield (est.)

2.64%

after mgmt, rates, insurance, maintenance

5-yr growth (CAGR)

-3.7%

est. compound, long-run avg

10-yr growth (CAGR)

+6.8%

est. compound, long-run avg

Rental demand

47 / 100

Moderate demand

Supply pipeline

Est.

1.2%

new dwellings approved / stock · Modelled estimate

Low supply pressure

5-year price history

2020

$565k

2021

$1100k

2022

$770k

2023

$760k

2024

$823k

2025

$865k

2026

$913k

Source: NSW VG · 2026 · all sources

Market overview

FENNELL BAY is a NSW suburb offering lower rental yield and steady price growth. The local economy supports a stable rental base, with ongoing demand from owner-occupiers and investors seeking value outside capital cities.

Highlights

Rental yield 3.4% with stable tenant demand
Consistent annual growth of 5.5%
Very low vacancy rate — high rental demand
Access to national transport network and amenities

Risk factors

High entry price may limit buyer pool
Subject to broader interest rate and economic conditions

Community profile

Source: ABS Census 2021 · ATO 2022–23

Median household income

$1,441/wk

$48k taxable p.a.

Renters

23.2%

73.8% owner-occupier

Median age

47.0 yrs

Unemployment

4.7%

Population growth

+1.1% p.a.

Investor-owned

13.0%

of all dwellings (ATO)

Houses

86%

5% apartments

Degree qualified

27.9%

bachelor's or higher (ABS)

Work from home

15.0%

of employed residents (ABS Census)

Median lot size

2.1 ha

Large block

Household size

2.7 persons

avg per dwelling (ABS Census)

Short-term rental

3.2%

Some Airbnb activity

Market activity

Distance to CBD

100.3 km

Regional

Days on market

66 days

Slower market

Auction clearance

33.6%

Buyer's market

Walkability

3 / 100

Car-dependent

Coastal proximity

22.0 km

Coastal fringe

NBN technology

Fixed Wireless

Regional — wireless tower

Population density

30/km²

Rural / semi-rural

Schools in postcode 2283

🏫11 Primary🎓1 Secondary📚1 Combined

ACARA 2025

🏫Primary (11)

Toronto Adventist School

Independent · Yrs K-6

ICSEA 1173

Coal Point Public School

Government · Yrs K-6

ICSEA 1065

St Joseph's Primary School

Catholic · Yrs K-6

ICSEA 1023

Rathmines Public School

Government · Yrs K-6

ICSEA 996

Arcadia Vale Public School

Government · Yrs K-6

ICSEA 971

Blackalls Park Public School

Government · Yrs K-6

ICSEA 966

Fassifern Public School

Government · Yrs K-6

ICSEA 947

Awaba Public School

Government · Yrs K-6

ICSEA 940

Toronto Public School

Government · Yrs K-6

ICSEA 910

Fennell Bay Public School

Government · Yrs K-6

ICSEA 889

Biraban Public School

Government · Yrs K-6

ICSEA 871

🎓Secondary (1)

Toronto High School

Government · Yrs 7-12

ICSEA 961

📚Combined (1)

Charlton Christian College

Independent · Yrs K-12

ICSEA 1063

ICSEA measures the socio-educational background of each school's student community — not academic results or school quality. National average = 1000. Source: ACARA My School 2025.

Liveability & safety

Safety index

Safe

95/ 100

0.6 offences / 100 persons

Source: NSW BOCSAR · 2024-25

School quality

Average

983ICSEA · national avg 1000

13 schools in postcode area

Source: ACARA My School 2025

Transit access

Car-dependent

11/ 100

🚆 0 train🚌 4 bus

Source: State GTFS feeds

Gentrification signal

/ 100

Stable / no signal

Established suburb with stable demographics. Consistent demand but lower gentrification upside.

Composite: education premium · youth cohort · rental activity · price gap · transit quality

Environmental risk

🌊

Flood risk

medium

Source: State GIS flood zone data

🔥

Bushfire risk

high

Source: CFA / RFS / DFES zone data

⛈️

Storm risk

low

Coastal exposure + state climate

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Location

Properties in FENNELL BAY

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