Fingal vs Rye

Rye is the younger of the two, with a median age of 51 against 56 in Fingal. In both, the large majority of households own their home and the large majority of homes are detached houses. In Fingal, about half of households are couple families. In Rye, about half of households are people living alone. Houses cost more in Fingal: a median of $1.76 million, against $900,000 in Rye, and rent is higher there too. On these figures, Fingal tends to suit couples, while Rye suits people living alone and 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 2 of the 6 things we measure here

  • carries lower crime risk (42/100 vs 60/100)
  • is already more of a family suburb (64% vs 49%)
  • But Rye has more parks and reserves (7 vs 2)

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

First-home buyers

They split

one each way, out of the 3 things we measure here

  • Fingal leaves households under less mortgage stress (26% vs 31%)
  • Rye has cheaper houses ($900,000 vs $1,762,500)

Weighs house prices, unit prices, and mortgage stress.

Renters

Rye

ahead on 2 of the 3 things we measure here

  • has a bigger rental market to choose from (22% vs 11%)
  • has cheaper rent ($372/wk vs $418/wk)
  • But Fingal leaves renters under less rental stress (22% vs 28%)

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

Commuting to the city

They split

one each way, out of the 3 things we measure here

  • Fingal sits closer to the CBD (99.4 km vs 102.6 km)
  • Rye is more walkable (20/100 vs 0/100)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Rye

ahead on 2 of the 5 things we measure here

  • is more walkable (20/100 vs 0/100)
  • has more GPs (4 vs 0)
  • But Fingal carries lower crime risk (42/100 vs 60/100)

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 12.1%)

Weighs population growth.

Where they sit

Fingal and Rye 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 Rye
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 Rye
Walkability 0 / 20
Fingal — Walkability: 0/100 Rye — Walkability: 20/100
Safety 58 / 40
Fingal — Safety: 58/100 Rye — Safety: 40/100
Low fire risk 100 / 100
Fingal — Low fire risk: 100/100 Rye — Low fire risk: 100/100
Low flood risk 84 / 81
Fingal — Low flood risk: 84/100 Rye — Low flood risk: 81/100

Demographics

Rye has more residents (9,438 vs 637); Fingal has higher household incomes ($100,256 vs $69,368).

Fingal Rye
Population 637 9,438
+1382% vs other
Population trend (2016 → 2021) +20.4% +12.1%
Median age 56 51
Median household income $100,256/yr
+31% vs other
 $69,368/yr
Median weekly rent $418/wk
+11% vs other
 $372/wk

Age profile

Share of residents in each band, 2021 Census.

Fingal Rye
0-4 2.4% / 4.2%
Fingal — 0-4: 2.4% Rye — 0-4: 4.2%
5-14 9.4% / 10.3%
Fingal — 5-14: 9.4% Rye — 5-14: 10.3%
15-19 4.4% / 4.0%
Fingal — 15-19: 4.4% Rye — 15-19: 4.0%
20-24 3.0% / 3.7%
Fingal — 20-24: 3.0% Rye — 20-24: 3.7%
25-34 4.6% / 9.1%
Fingal — 25-34: 4.6% Rye — 25-34: 9.1%
35-44 7.7% / 10.2%
Fingal — 35-44: 7.7% Rye — 35-44: 10.2%
45-54 15.9% / 13.7%
Fingal — 45-54: 15.9% Rye — 45-54: 13.7%
55-64 23.2% / 15.7%
Fingal — 55-64: 23.2% Rye — 55-64: 15.7%
65-74 24.6% / 16.6%
Fingal — 65-74: 24.6% Rye — 65-74: 16.6%
75-84 5.8% / 9.3%
Fingal — 75-84: 5.8% Rye — 75-84: 9.3%
85+ 0.9% / 3.3%
Fingal — 85+: 0.9% Rye — 85+: 3.3%

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

Who lives together

Household composition, 2021 Census.

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%
Rye 33.9% couple families
Rye — Couple Families: 33.9% Rye — Lone Person: 45.3% Rye — One Parent Families: 15.3% Rye — Group Household: 4.2% Rye — Other Families: 1.2%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Fingal 10.6% renting
Fingal — Owned Outright: 50.2% Fingal — Mortgage: 39.2% Fingal — Renting: 10.6%
Rye 21.9% renting
Rye — Owned Outright: 47.2% Rye — Mortgage: 30.9% Rye — Renting: 21.9%
Owned outright Mortgage Renting

Qualifications

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

Fingal Rye
Certificate III & IV 14.0% / 15.9%
Fingal — Certificate III & IV: 14.0% Rye — Certificate III & IV: 15.9%
Bachelor Degree 13.3% / 11.4%
Fingal — Bachelor Degree: 13.3% Rye — Bachelor Degree: 11.4%
Advanced Diploma / Diploma 8.5% / 9.3%
Fingal — Advanced Diploma / Diploma: 8.5% Rye — Advanced Diploma / Diploma: 9.3%
Postgraduate Degree 5.7% / 3.0%
Fingal — Postgraduate Degree: 5.7% Rye — Postgraduate Degree: 3.0%
Graduate Diploma / Certificate 1.6% / 2.1%
Fingal — Graduate Diploma / Certificate: 1.6% Rye — Graduate Diploma / Certificate: 2.1%

Bars are drawn against the largest share shown (15.9%).

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 Rye
England 8.9% / 3.9%
Fingal — England: 8.9% Rye — England: 3.9%
New Zealand 1.3% / 1.3%
Fingal — New Zealand: 1.3% Rye — New Zealand: 1.3%
Scotland 1.3% / 0.5%
Fingal — Scotland: 1.3% Rye — Scotland: 0.5%
Italy — / 1.8%
Fingal — Italy: not among its largest Rye — Italy: 1.8%
Netherlands 0.9% / 0.4%
Fingal — Netherlands: 0.9% Rye — Netherlands: 0.4%
Greece — / 1.3%
Fingal — Greece: not among its largest Rye — Greece: 1.3%
South Africa 0.9% / —
Fingal — South Africa: 0.9% Rye — South Africa: not among its largest
Germany — / 0.6%
Fingal — Germany: not among its largest Rye — Germany: 0.6%

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

What people live in

Occupied private dwellings by structure, 2021 Census.

Fingal 96.6% houses
Fingal — Houses: 96.6% Fingal — Townhouses: 2.1% Fingal — Flats / Apartments: 1.3%
Rye 94.8% houses
Rye — Houses: 94.8% Rye — Townhouses: 3.8% Rye — Flats / Apartments: 1.5%
Houses Townhouses Flats / Apartments

Property market

Fingal Rye
Median house price $1,762,500 $900,000
Median unit price $573,500 $602,500
Median land price — $650,000
Typical days to sell (houses) 75 days
from 4 sales
 30 days
from 231 sales

Zoning mix

Fingal has more rural and farming land (78% vs 17%).

Fingal Rye
Rural and farming 78% 17%
Residential 0% 67%
Other and special use 11% 0%
Parks and recreation 6% 9%
Infrastructure and transport 5% 6%
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 Rye
New dwellings approved 791
across Mornington Peninsula
same for both
Approvals change year on year +9%
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 Rye
Houses — 2.9%
$660/wk on $1.2M
Units — 4.7%
$520/wk on $570K

Ranking within VIC

Fingal Rye
House price Higher than 95% of VIC Higher than 64% of VIC
Income Higher than 73% of VIC Higher than 31% of VIC
Schools —
same for both
Walkability Higher than 50% of VIC Higher than 80% of VIC
Affordability Higher than 3% of VIC Higher than 18% of VIC
EV adoption Higher than 76% of VIC Higher than 78% of VIC
NBN connectivity Higher than 73% of VIC Higher than 84% of VIC
Rental yield (houses) — Higher than 9% of VIC
Rental yield (units) — Higher than 47% of VIC

Liveability

Rye is more walkable (20 vs 0); Fingal scores higher overall (62 vs 57).

Fingal Rye
Grade B
same for both
Score 62/100 57/100
Socio-economic band very advantaged area
decile 9/10
 mid-range socio-economic
decile 6/10

Risk profile

Rye carries more crime risk (60 vs 42).

Fingal Rye
Bushfire None
0/100
same for both
Crime Moderate
42/100
 Moderate
60/100
Flood Low
16/100
 Low
19/100
Coastal erosion Low
32/100
 Moderate
56/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 2
within 5 km
 1
within 5 km

Schools

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

Schools in Fingal

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

Schools in Rye

  • Rye Primary School Government · Primary at peers

Amenities in the suburb

Fingal Rye
Supermarkets 0 1
Cafes & restaurants 0 14
Parks & reserves 2 7
Childcare 0 2
GPs 0 4
Pharmacies 0 2
Police stations 0 1
Banks & Bank@Post 0 2
Fuel stations 0 2
EV chargers 0 1
Beaches 0 1

Mobility

Rye sits further from the CBD (102.6 km vs 99.4 km).

Fingal Rye
Walkability score 0/100 20/100
Distance to Melbourne 99.4 km 102.6 km
+3% vs other
Drive time (normal traffic) 80 min 84 min
Electric vehicle share 1.0%
postcode 3939
 1.0%
postcode 3941
Rooftop solar per 100 dwellings 31
postcode 3939
 23
postcode 3941

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 Rye
Car (driver) 50.9% / 65.7%
Fingal — Car (driver): 50.9% Rye — Car (driver): 65.7%
Worked from Home 43.0% / 26.9%
Fingal — Worked from Home: 43.0% Rye — Worked from Home: 26.9%
Car (passenger) 3.5% / 4.4%
Fingal — Car (passenger): 3.5% Rye — Car (passenger): 4.4%
Walked Only 2.6% / 1.5%
Fingal — Walked Only: 2.6% Rye — Walked Only: 1.5%
Bus — / 0.8%
Fingal — Bus: not among its largest Rye — Bus: 0.8%

Bars are drawn against the largest share shown (65.7%).

Setting

Fingal Rye
Elevation 20 m
above sea level, at the suburb centre
 33 m
above sea level, at the suburb centre
Distance to the ocean 2.1 km
4.1 km to a named beach
 1.9 km
2.0 km to a named beach

NBN connectivity

Fingal Rye
Connectivity score 38/100 75/100
Most common technology Fixed wireless Fibre to the premises
Full-fibre (FTTP) share 10%
420 premises
 55%
9,444 premises

Climate

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

Council rates

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

Federal electorate

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

First Home Owner Grant

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

Tags

Fingal

Acreage Coastal Premium Quiet Retirees

Rye

Coastal Large Blocks Regional Centre Retirees

More comparisons

Other comparisons with Fingal

Fingal vs Tootgarook Fingal vs St Andrews Beach Fingal vs Cape Schanck Fingal vs Boneo

Other comparisons with Rye

Rye vs Tootgarook Rye vs Blairgowrie Rye vs St Andrews Beach
Full data on Fingal Full data on Rye
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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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