Boneo vs Fingal

Boneo is the younger of the two, with a median age of 52 against 56 in Fingal. In both, the large majority of households own their home, the large majority of homes are detached houses, and about half of households are couple families. Houses cost more in Boneo: a median of $2.92 million, against $1.76 million in Fingal. On these figures, Fingal tends to suit buyers on a tighter budget.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Fingal

ahead on the one thing that separates them

  • carries lower crime risk (42/100 vs 66/100)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Fingal

ahead on 2 of the 2 things we measure here

  • has cheaper houses ($1,762,500 vs $2,925,000)
  • leaves households under less mortgage stress (26% vs 39%)

Weighs house prices and mortgage stress.

Renters

Too close to call

Nothing among the 3 things we measure here separates them by enough to be worth acting on.

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Boneo

ahead on the one thing that separates them

  • is more walkable (13/100 vs 0/100)

Weighs distance, drive time, and walkability.

Downsizers and retirees

They split

one each way, out of the 5 things we measure here

  • Boneo is more walkable (13/100 vs 0/100)
  • Fingal carries lower crime risk (42/100 vs 66/100)

Weighs smaller dwellings, who already lives there, GPs, walkability, and crime.

Investors

Fingal

ahead on the one thing that separates them

  • is growing faster (20.4% vs -11.3%)

Weighs population growth.

Where they sit

Boneo and Fingal drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Boneo Fingal
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Boneo Fingal
Walkability 13 / 0
Boneo — Walkability: 13/100 Fingal — Walkability: 0/100
Safety 34 / 58
Boneo — Safety: 34/100 Fingal — Safety: 58/100
Low fire risk 86 / 100
Boneo — Low fire risk: 86/100 Fingal — Low fire risk: 100/100
Low flood risk 42 / 84
Boneo — Low flood risk: 42/100 Fingal — Low flood risk: 84/100

Demographics

Fingal has more residents (637 vs 314); Fingal skews older (56 vs 52).

Boneo Fingal
Population 314 637
+103% vs other
Population trend (2016 → 2021) -11.3% +20.4%
Median age 52 56
Median household income $94,224/yr $100,256/yr
+6% vs other
Median weekly rent $400/wk $418/wk
+4% vs other

Age profile

Share of residents in each band, 2021 Census.

Boneo Fingal
0-4 3.8% / 2.4%
Boneo — 0-4: 3.8% Fingal — 0-4: 2.4%
5-14 5.7% / 9.4%
Boneo — 5-14: 5.7% Fingal — 5-14: 9.4%
15-19 5.1% / 4.4%
Boneo — 15-19: 5.1% Fingal — 15-19: 4.4%
20-24 5.4% / 3.0%
Boneo — 20-24: 5.4% Fingal — 20-24: 3.0%
25-34 10.5% / 4.6%
Boneo — 25-34: 10.5% Fingal — 25-34: 4.6%
35-44 8.3% / 7.7%
Boneo — 35-44: 8.3% Fingal — 35-44: 7.7%
45-54 15.0% / 15.9%
Boneo — 45-54: 15.0% Fingal — 45-54: 15.9%
55-64 19.7% / 23.2%
Boneo — 55-64: 19.7% Fingal — 55-64: 23.2%
65-74 15.6% / 24.6%
Boneo — 65-74: 15.6% Fingal — 65-74: 24.6%
75-84 7.3% / 5.8%
Boneo — 75-84: 7.3% Fingal — 75-84: 5.8%
85+ 4.1% / 0.9%
Boneo — 85+: 4.1% Fingal — 85+: 0.9%

Bars are drawn against the largest share shown (24.6%).

Who lives together

Household composition, 2021 Census.

Boneo 46.2% couple families
Boneo — Couple Families: 46.2% Boneo — Lone Person: 27.5% Boneo — One Parent Families: 15.0% Boneo — Group Household: 5.0% Boneo — Other Families: 6.2%
Fingal 50.5% couple families
Fingal — Couple Families: 50.5% Fingal — Lone Person: 31.5% Fingal — One Parent Families: 13.5% Fingal — Group Household: 4.5% Fingal — Other Families: 0.0%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Boneo 12.1% renting
Boneo — Owned Outright: 58.6% Boneo — Mortgage: 29.3% Boneo — Renting: 12.1%
Fingal 10.6% renting
Fingal — Owned Outright: 50.2% Fingal — Mortgage: 39.2% Fingal — Renting: 10.6%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Boneo Fingal
Certificate III & IV 17.5% / 14.0%
Boneo — Certificate III & IV: 17.5% Fingal — Certificate III & IV: 14.0%
Bachelor Degree 12.1% / 13.3%
Boneo — Bachelor Degree: 12.1% Fingal — Bachelor Degree: 13.3%
Advanced Diploma / Diploma 8.6% / 8.5%
Boneo — Advanced Diploma / Diploma: 8.6% Fingal — Advanced Diploma / Diploma: 8.5%
Postgraduate Degree 4.1% / 5.7%
Boneo — Postgraduate Degree: 4.1% Fingal — Postgraduate Degree: 5.7%
Graduate Diploma / Certificate 1.0% / 1.6%
Boneo — Graduate Diploma / Certificate: 1.0% Fingal — Graduate Diploma / Certificate: 1.6%

Bars are drawn against the largest share shown (17.5%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Boneo Fingal
England 3.5% / 8.9%
Boneo — England: 3.5% Fingal — England: 8.9%
Netherlands 1.0% / 0.9%
Boneo — Netherlands: 1.0% Fingal — Netherlands: 0.9%
New Zealand — / 1.3%
Boneo — New Zealand: not among its largest Fingal — New Zealand: 1.3%
Scotland — / 1.3%
Boneo — Scotland: not among its largest Fingal — Scotland: 1.3%
Thailand 1.0% / —
Boneo — Thailand: 1.0% Fingal — Thailand: not among its largest
South Africa — / 0.9%
Boneo — South Africa: not among its largest Fingal — South Africa: 0.9%

Bars are drawn against the largest share shown (8.9%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Boneo 92.8% houses
Boneo — Houses: 92.8% Boneo — Flats / Apartments: 7.2% Boneo — Townhouses: 0.0%
Fingal 96.6% houses
Fingal — Houses: 96.6% Fingal — Flats / Apartments: 1.3% Fingal — Townhouses: 2.1%
Houses Flats / Apartments Townhouses

Property market

Boneo Fingal
Median house price $2,925,000 $1,762,500
Median unit price — $573,500
Median land price —
same for both
Typical days to sell (houses) 272 days
from 3 sales
 75 days
from 4 sales

Zoning mix

Boneo Fingal
Rural and farming 73% 78%
Parks and recreation 17% 6%
Other and special use 6% 11%
Infrastructure and transport 4% 5%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Boneo Fingal
New dwellings approved 791
across Mornington Peninsula
same for both
Approvals change year on year +9%
same for both

Ranking within VIC

Boneo Fingal
House price — Higher than 95% of VIC
Income Higher than 64% of VIC Higher than 73% of VIC
Schools —
same for both
Walkability Higher than 75% of VIC Higher than 50% of VIC
Affordability — Higher than 3% of VIC
EV adoption Higher than 76% of VIC
same for both
NBN connectivity Higher than 72% of VIC Higher than 73% of VIC

Liveability

Boneo is more walkable (13 vs 0).

Boneo Fingal
Grade — B
Score — 62/100
Socio-economic band advantaged area
decile 8/10
 very advantaged area
decile 9/10

Risk profile

Boneo carries more bushfire risk (14 vs 0); Boneo carries more flood risk (58 vs 16).

Boneo Fingal
Bushfire Low
14/100
 None
0/100
Crime Moderate
66/100
 Moderate
42/100
Flood Moderate
58/100
 Low
16/100
Coastal erosion None
0/100
 Low
32/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 2
within 5 km
same for both

Schools

Boneo Fingal
Inside the suburb 1 0
Rated above peers 0
same for both
Rated at peers 1 0
Rated below peers 0
same for both

Schools in Boneo

  • Boneo Primary School Government · Primary at peers

Schools in Fingal

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Amenities in the suburb

Boneo Fingal
Cafes & restaurants 2 0
Parks & reserves 3 2
Childcare 1 0
Waterways 8 0

Mobility

Boneo Fingal
Walkability score 13/100 0/100
Distance to Melbourne 97.5 km 99.4 km
+2% vs other
Drive time (normal traffic) 79 min 80 min
Electric vehicle share 1.0%
postcode 3939
same for both
Rooftop solar per 100 dwellings 31
postcode 3939
same for both

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Boneo Fingal
Car (driver) 65.1% / 50.9%
Boneo — Car (driver): 65.1% Fingal — Car (driver): 50.9%
Worked from Home 21.2% / 43.0%
Boneo — Worked from Home: 21.2% Fingal — Worked from Home: 43.0%
Walked Only 13.7% / 2.6%
Boneo — Walked Only: 13.7% Fingal — Walked Only: 2.6%
Car (passenger) — / 3.5%
Boneo — Car (passenger): not among its largest Fingal — Car (passenger): 3.5%

Bars are drawn against the largest share shown (65.1%).

Setting

Boneo Fingal
Elevation 47 m
above sea level, at the suburb centre
 20 m
above sea level, at the suburb centre
Distance to the ocean 5.8 km 2.1 km
4.1 km to a named beach

NBN connectivity

Boneo Fingal
Connectivity score 32/100 38/100
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 3%
183 premises
 10%
420 premises

Climate

Boneo Fingal
Annual rainfall 700 mm
same for both
Summer max (Jan) —
same for both
Winter min (Jul) —
same for both

Council rates

Boneo Fingal
Average residential rate $1,659/yr
same for both
Council Mornington Peninsula
same for both

Federal electorate

Boneo Fingal
Division Flinders
same for both
Member Zoe Mckenzie
same for both
Party Liberal
same for both

First Home Owner Grant

Boneo Fingal
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Boneo

Retirees Rural

Fingal

Acreage Coastal Premium Quiet Retirees

More comparisons

Other comparisons with Boneo

Boneo vs Rosebud Boneo vs Capel Sound Boneo vs Tootgarook Boneo vs Flinders Boneo vs Cape Schanck Boneo vs Main Ridge

Other comparisons with Fingal

Fingal vs Rye Fingal vs Tootgarook Fingal vs St Andrews Beach Fingal vs Cape Schanck
Full data on Boneo Full data on Fingal
Unlock full address-level data — $29/month

Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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