Fingal Bay vs One Mile

One Mile is the younger of the two, with a median age of 54 against 63 in Fingal Bay. In both, most households own their home and about half of households are people living alone. In One Mile, the large majority of homes are detached houses. Houses cost more in One Mile: a median of $1.85 million, against $1.25 million in Fingal Bay. On these figures, Fingal Bay tends to suit older residents and buyers on a tighter budget, while One Mile suits couples.

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

One Mile

ahead on 2 of the 6 things we measure here

  • has more separate houses rather than flats (93% vs 52%)
  • is already more of a family suburb (53% vs 43%)
  • But Fingal Bay carries lower crime risk (53/100 vs 69/100)

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

First-home buyers

Fingal Bay

ahead on the one thing that separates them

  • has cheaper houses ($1,250,000 vs $1,852,750)

Weighs house prices and mortgage stress.

Renters

One Mile

ahead on the one thing that separates them

  • leaves renters under less rental stress (25% vs 35%)

Weighs rent and rental stress.

Commuting to the city

One Mile

ahead on 2 of the 3 things we measure here

  • has a shorter drive in (157 min vs 171 min)
  • sits closer to the CBD (204.4 km vs 215.4 km)
  • But Fingal Bay is more walkable (25/100 vs 16/100)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Fingal Bay

ahead on 4 of the 5 things we measure here

  • has more units and townhouses to downsize into (48% vs 7%)
  • is more walkable (25/100 vs 16/100)
  • has more residents already 65 and over (47% vs 31%)

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

Investors

One Mile

ahead on the one thing that separates them

  • is growing faster (21.3% vs 1.3%)

Weighs population growth.

Where they sit

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

Fingal Bay One Mile
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.

Fingal Bay One Mile
Walkability 25 / 16
Fingal Bay — Walkability: 25/100 One Mile — Walkability: 16/100
Safety 47 / 31
Fingal Bay — Safety: 47/100 One Mile — Safety: 31/100
Low fire risk 23 / 17
Fingal Bay — Low fire risk: 23/100 One Mile — Low fire risk: 17/100

Demographics

Fingal Bay has more residents (1,635 vs 501); One Mile has higher household incomes ($80,184 vs $57,928).

Fingal Bay One Mile
Population 1,635
+69% vs other
 501
Population trend (2016 → 2021) +1.3% +21.3%
Median age 63 54
Median household income $57,928/yr $80,184/yr
+38% vs other
Median weekly rent $390/wk
same for both

Age profile

Share of residents in each band, 2021 Census.

Fingal Bay One Mile
0-4 2.4% / 2.4%
Fingal Bay — 0-4: 2.4% One Mile — 0-4: 2.4%
5-14 8.0% / 10.2%
Fingal Bay — 5-14: 8.0% One Mile — 5-14: 10.2%
15-19 3.2% / 7.4%
Fingal Bay — 15-19: 3.2% One Mile — 15-19: 7.4%
20-24 2.6% / 4.6%
Fingal Bay — 20-24: 2.6% One Mile — 20-24: 4.6%
25-34 5.4% / 4.0%
Fingal Bay — 25-34: 5.4% One Mile — 25-34: 4.0%
35-44 6.4% / 5.8%
Fingal Bay — 35-44: 6.4% One Mile — 35-44: 5.8%
45-54 8.4% / 15.6%
Fingal Bay — 45-54: 8.4% One Mile — 45-54: 15.6%
55-64 17.0% / 17.2%
Fingal Bay — 55-64: 17.0% One Mile — 55-64: 17.2%
65-74 23.1% / 22.4%
Fingal Bay — 65-74: 23.1% One Mile — 65-74: 22.4%
75-84 17.1% / 6.8%
Fingal Bay — 75-84: 17.1% One Mile — 75-84: 6.8%
85+ 6.7% / 1.4%
Fingal Bay — 85+: 6.7% One Mile — 85+: 1.4%

Bars are drawn against the largest share shown (23.1%).

Who lives together

Household composition, 2021 Census.

Fingal Bay 54.3% lone person
Fingal Bay — Lone Person: 54.3% Fingal Bay — Couple Families: 27.6% Fingal Bay — One Parent Families: 15.0% Fingal Bay — Group Household: 3.1%
One Mile 46.6% lone person
One Mile — Lone Person: 46.6% One Mile — Couple Families: 48.3% One Mile — One Parent Families: 5.1% One Mile — Group Household: 0.0%
Lone Person Couple Families One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Fingal Bay 26.4% renting
Fingal Bay — Owned Outright: 56.6% Fingal Bay — Mortgage: 17.0% Fingal Bay — Renting: 26.4%
One Mile 0.0% renting
One Mile — Owned Outright: 70.9% One Mile — Mortgage: 29.1% One Mile — Renting: 0.0%
Owned outright Mortgage Renting

Qualifications

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

Fingal Bay One Mile
Certificate III & IV 18.2% / 20.6%
Fingal Bay — Certificate III & IV: 18.2% One Mile — Certificate III & IV: 20.6%
Bachelor Degree 9.0% / 12.6%
Fingal Bay — Bachelor Degree: 9.0% One Mile — Bachelor Degree: 12.6%
Advanced Diploma / Diploma 7.5% / 8.8%
Fingal Bay — Advanced Diploma / Diploma: 7.5% One Mile — Advanced Diploma / Diploma: 8.8%
Postgraduate Degree 2.4% / 2.6%
Fingal Bay — Postgraduate Degree: 2.4% One Mile — Postgraduate Degree: 2.6%
Graduate Diploma / Certificate 1.5% / 1.0%
Fingal Bay — Graduate Diploma / Certificate: 1.5% One Mile — Graduate Diploma / Certificate: 1.0%

Bars are drawn against the largest share shown (20.6%).

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.

Fingal Bay One Mile
England 4.8% / 7.6%
Fingal Bay — England: 4.8% One Mile — England: 7.6%
Germany 1.0% / 0.8%
Fingal Bay — Germany: 1.0% One Mile — Germany: 0.8%
Scotland 0.8% / 0.8%
Fingal Bay — Scotland: 0.8% One Mile — Scotland: 0.8%
Netherlands 0.4% / 1.2%
Fingal Bay — Netherlands: 0.4% One Mile — Netherlands: 1.2%
New Zealand 1.0% / —
Fingal Bay — New Zealand: 1.0% One Mile — New Zealand: not among its largest
Italy 0.4% / 0.6%
Fingal Bay — Italy: 0.4% One Mile — Italy: 0.6%
South Africa 0.6% / —
Fingal Bay — South Africa: 0.6% One Mile — South Africa: not among its largest

Bars are drawn against the largest share shown (7.6%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Fingal Bay 51.5% houses
Fingal Bay — Houses: 51.5% Fingal Bay — Townhouses: 45.5% Fingal Bay — Flats / Apartments: 3.0%
One Mile 92.9% houses
One Mile — Houses: 92.9% One Mile — Townhouses: 3.6% One Mile — Flats / Apartments: 3.6%
Houses Townhouses Flats / Apartments

Property market

Fingal Bay One Mile
Median house price $1,250,000 $1,852,750
Median unit price $830,000 —
Median land price —
same for both
Typical days to sell (houses) 30 days
from 22 sales
 —

Zoning mix

Fingal Bay One Mile
Environmental 85% 89%
Residential 8% 0%
Rural and farming 0% 7%
Parks and recreation 5% 4%
Planning zones cover 99% of Fingal Bay and 100% of One Mile. The rest is unzoned land such as water or road reserve.
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

Fingal Bay One Mile
New dwellings approved 495
across Port Stephens
same for both
Approvals change year on year -72%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Fingal Bay One Mile
Houses 3.4%
$600/wk on $914K
 —
Units —
same for both

Ranking within NSW

Fingal Bay One Mile
House price Higher than 68% of NSW Higher than 83% of NSW
Income Higher than 18% of NSW Higher than 48% of NSW
Schools —
same for both
Walkability Higher than 73% of NSW Higher than 67% of NSW
Affordability Higher than 12% of NSW Higher than 11% of NSW
EV adoption Higher than 77% of NSW Higher than 54% of NSW
NBN connectivity Higher than 75% of NSW Higher than 69% of NSW
Rental yield (houses) Higher than 40% of NSW —

Liveability

Fingal Bay is more walkable (25 vs 16).

Fingal Bay One Mile
Grade D
same for both
Score 25/100
same for both
Socio-economic band below-average income
decile 3/10
 mid-range socio-economic
decile 6/10

Risk profile

One Mile carries more crime risk (69 vs 53).

Fingal Bay One Mile
Bushfire High
77/100
 High
83/100
Crime Moderate
53/100
 Moderate
69/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion Moderate
45/100
 Moderate
55/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 1
within 5 km
same for both

Schools

Fingal Bay One Mile
Inside the suburb 0
same for both
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0
same for both

Amenities in the suburb

Fingal Bay One Mile
Cafes & restaurants 0 1
Parks & reserves 2 0
Fuel stations 1 0
Beaches 2
same for both

Mobility

Fingal Bay sits further from the CBD (215.4 km vs 204.4 km).

Fingal Bay One Mile
Walkability score 25/100 16/100
Distance to Sydney 215.4 km
+5% vs other
 204.4 km
Drive time (normal traffic) 171 min 157 min
Public transport score 78/100
Bus
 66/100
Bus
Peak arrivals per hour 37.2
7-9am + 5-7pm
 24.0
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
 1 min
scheduled, not actual
Electric vehicle share 0.9%
postcode 2315
 0.5%
postcode 2316
Rooftop solar per 100 dwellings 33
postcode 2315
 56
postcode 2316

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.

Fingal Bay One Mile
Car (driver) 68.5% / 63.5%
Fingal Bay — Car (driver): 68.5% One Mile — Car (driver): 63.5%
Worked from Home 22.1% / 29.8%
Fingal Bay — Worked from Home: 22.1% One Mile — Worked from Home: 29.8%
Car (passenger) 5.5% / 2.8%
Fingal Bay — Car (passenger): 5.5% One Mile — Car (passenger): 2.8%
Walked Only 3.2% / 2.2%
Fingal Bay — Walked Only: 3.2% One Mile — Walked Only: 2.2%
Bus — / 1.7%
Fingal Bay — Bus: not among its largest One Mile — Bus: 1.7%
Bicycle 0.7% / —
Fingal Bay — Bicycle: 0.7% One Mile — Bicycle: not among its largest

Bars are drawn against the largest share shown (68.5%).

Setting

Fingal Bay One Mile
Elevation 10 m
above sea level, at the suburb centre
 8 m
above sea level, at the suburb centre
Distance to the ocean 769 m
1.3 km to a named beach
 770 m
938 m to a named beach

NBN connectivity

Fingal Bay One Mile
Connectivity score 67/100 58/100
Most common technology Fibre to the node
same for both
Full-fibre (FTTP) share 40%
1,261 premises
 23%
228 premises

Climate

Fingal Bay One Mile
Annual rainfall 1,181 mm
same for both
Summer max (Jan) 28.7°C
same for both
Winter min (Jul) 7.5°C
same for both

Council rates

Fingal Bay One Mile
Average residential rate $1,359/yr
same for both
Council Port Stephens
same for both

Federal electorate

Fingal Bay One Mile
Division Paterson
same for both
Member Meryl Swanson
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Fingal Bay One Mile
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Fingal Bay

Beach Coastal Retirees Townhouses

One Mile

Acreage Beach Coastal Premium Retirees

More comparisons

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Other comparisons with One Mile

One Mile vs Nelson Bay One Mile vs Anna Bay One Mile vs Boat Harbour
Full data on Fingal Bay Full data on One Mile
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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