Phegans Bay vs Woy Woy Bay

In both, the large majority of households own their home and the large majority of homes are detached houses. Houses cost more in Woy Woy Bay: a median of $1.22 million, against $971,000 in Phegans Bay, though rent is higher in Phegans Bay. On these figures, Phegans Bay 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

They split

one each way, out of the 6 things we measure here

  • Phegans Bay has more parks and reserves (4 vs 1)
  • Woy Woy Bay carries lower crime risk (24/100 vs 41/100)

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

First-home buyers

Phegans Bay

ahead on the one thing that separates them

  • has cheaper houses ($971,250 vs $1,215,000)

Weighs house prices and mortgage stress.

Renters

Woy Woy Bay

ahead on 2 of the 3 things we measure here

  • leaves renters under less rental stress (17% vs 22%)
  • has cheaper rent ($415/wk vs $460/wk)

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

  • Phegans Bay is more walkable (51/100 vs 6/100)
  • Woy Woy Bay sits closer to the CBD (75.8 km vs 78.7 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Woy Woy Bay

ahead on 2 of the 5 things we measure here

  • carries lower crime risk (24/100 vs 41/100)
  • has more residents already 65 and over (22% vs 15%)
  • But Phegans Bay is more walkable (51/100 vs 6/100)

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

Investors

Woy Woy Bay

ahead on the one thing that separates them

  • is growing faster (1.0% vs -6.0%)

Weighs population growth.

Where they sit

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

Phegans Bay Woy Woy Bay
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.

Phegans Bay Woy Woy Bay
Walkability 51 / 6
Phegans Bay — Walkability: 51/100 Woy Woy Bay — Walkability: 6/100
Safety 59 / 76
Phegans Bay — Safety: 59/100 Woy Woy Bay — Safety: 76/100
Low fire risk 8 / 6
Phegans Bay — Low fire risk: 8/100 Woy Woy Bay — Low fire risk: 6/100

Demographics

Woy Woy Bay has higher household incomes ($125,632 vs $107,900); Phegans Bay rents higher ($460/wk vs $415/wk).

Phegans Bay Woy Woy Bay
Population 406 423
+4% vs other
Population trend (2016 → 2021) -6.0% +1.0%
Median age 48 47
Median household income $107,900/yr $125,632/yr
+16% vs other
Median weekly rent $460/wk
+10% vs other
 $415/wk

Age profile

Share of residents in each band, 2021 Census.

Phegans Bay Woy Woy Bay
0-4 5.7% / 6.4%
Phegans Bay — 0-4: 5.7% Woy Woy Bay — 0-4: 6.4%
5-14 7.4% / 9.0%
Phegans Bay — 5-14: 7.4% Woy Woy Bay — 5-14: 9.0%
15-19 5.4% / 4.3%
Phegans Bay — 15-19: 5.4% Woy Woy Bay — 15-19: 4.3%
20-24 4.9% / 4.3%
Phegans Bay — 20-24: 4.9% Woy Woy Bay — 20-24: 4.3%
25-34 11.3% / 11.8%
Phegans Bay — 25-34: 11.3% Woy Woy Bay — 25-34: 11.8%
35-44 10.8% / 11.8%
Phegans Bay — 35-44: 10.8% Woy Woy Bay — 35-44: 11.8%
45-54 18.0% / 15.4%
Phegans Bay — 45-54: 18.0% Woy Woy Bay — 45-54: 15.4%
55-64 23.6% / 17.3%
Phegans Bay — 55-64: 23.6% Woy Woy Bay — 55-64: 17.3%
65-74 10.6% / 12.1%
Phegans Bay — 65-74: 10.6% Woy Woy Bay — 65-74: 12.1%
75-84 3.7% / 6.9%
Phegans Bay — 75-84: 3.7% Woy Woy Bay — 75-84: 6.9%
85+ 0.7% / 2.6%
Phegans Bay — 85+: 0.7% Woy Woy Bay — 85+: 2.6%

Bars are drawn against the largest share shown (23.6%).

Who lives together

Household composition, 2021 Census.

Phegans Bay 44.8% couple families
Phegans Bay — Couple Families: 44.8% Phegans Bay — Lone Person: 35.3% Phegans Bay — One Parent Families: 13.8% Phegans Bay — Group Household: 6.0%
Woy Woy Bay 43.3% couple families
Woy Woy Bay — Couple Families: 43.3% Woy Woy Bay — Lone Person: 35.6% Woy Woy Bay — One Parent Families: 10.0% Woy Woy Bay — Group Household: 11.1%
Couple Families Lone Person One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Phegans Bay 17.3% renting
Phegans Bay — Owned Outright: 32.7% Phegans Bay — Mortgage: 50.0% Phegans Bay — Renting: 17.3%
Woy Woy Bay 12.3% renting
Woy Woy Bay — Owned Outright: 45.2% Woy Woy Bay — Mortgage: 42.6% Woy Woy Bay — Renting: 12.3%
Owned outright Mortgage Renting

Qualifications

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

Phegans Bay Woy Woy Bay
Bachelor Degree 20.7% / 16.1%
Phegans Bay — Bachelor Degree: 20.7% Woy Woy Bay — Bachelor Degree: 16.1%
Certificate III & IV 14.0% / 14.2%
Phegans Bay — Certificate III & IV: 14.0% Woy Woy Bay — Certificate III & IV: 14.2%
Advanced Diploma / Diploma 12.6% / 10.9%
Phegans Bay — Advanced Diploma / Diploma: 12.6% Woy Woy Bay — Advanced Diploma / Diploma: 10.9%
Postgraduate Degree 9.4% / 6.6%
Phegans Bay — Postgraduate Degree: 9.4% Woy Woy Bay — Postgraduate Degree: 6.6%
Graduate Diploma / Certificate 2.2% / 2.6%
Phegans Bay — Graduate Diploma / Certificate: 2.2% Woy Woy Bay — Graduate Diploma / Certificate: 2.6%

Bars are drawn against the largest share shown (20.7%).

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.

Phegans Bay Woy Woy Bay
England 9.9% / 7.1%
Phegans Bay — England: 9.9% Woy Woy Bay — England: 7.1%
New Zealand 2.0% / 2.4%
Phegans Bay — New Zealand: 2.0% Woy Woy Bay — New Zealand: 2.4%
Germany 1.2% / 1.2%
Phegans Bay — Germany: 1.2% Woy Woy Bay — Germany: 1.2%
Canada 1.0% / 1.4%
Phegans Bay — Canada: 1.0% Woy Woy Bay — Canada: 1.4%
France 1.5% / —
Phegans Bay — France: 1.5% Woy Woy Bay — France: not among its largest
Netherlands 1.2% / —
Phegans Bay — Netherlands: 1.2% Woy Woy Bay — Netherlands: not among its largest
Thailand — / 0.7%
Phegans Bay — Thailand: not among its largest Woy Woy Bay — Thailand: 0.7%

Bars are drawn against the largest share shown (9.9%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Phegans Bay 98.8% houses
Phegans Bay — Houses: 98.8% Phegans Bay — Flats / Apartments: 1.2%
Woy Woy Bay 96.9% houses
Woy Woy Bay — Houses: 96.9% Woy Woy Bay — Flats / Apartments: 3.1%
Houses Flats / Apartments

Property market

Phegans Bay Woy Woy Bay
Median house price $971,250 $1,215,000
Median unit price —
same for both
Median land price —
same for both
Typical days to sell (houses) — 36 days
from 4 sales

Zoning mix

Woy Woy Bay has more land zoned for conservation (97% vs 54%).

Phegans Bay Woy Woy Bay
Environmental 54% 97%
Residential 31% 2%
Parks and recreation 12% 0%
Infrastructure and transport 3% 1%
Planning zones cover 99% of Phegans Bay and 100% of Woy Woy Bay. 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

Phegans Bay Woy Woy Bay
New dwellings approved 1,441
across Central Coast (NSW)
same for both
Approvals change year on year +67%
same for both

Ranking within NSW

Phegans Bay Woy Woy Bay
House price Higher than 52% of NSW Higher than 64% of NSW
Income Higher than 74% of NSW Higher than 87% of NSW
Schools —
same for both
Walkability Higher than 81% of NSW Higher than 51% of NSW
Affordability Higher than 69% of NSW Higher than 65% of NSW
EV adoption Higher than 74% of NSW Higher than 75% of NSW
NBN connectivity Higher than 65% of NSW Higher than 66% of NSW

Liveability

Phegans Bay is more walkable (51 vs 6).

Phegans Bay Woy Woy Bay
Grade —
same for both
Score —
same for both
Socio-economic band very advantaged area
decile 10/10
same for both

Risk profile

Phegans Bay carries more crime risk (41 vs 24).

Phegans Bay Woy Woy Bay
Bushfire High
92/100
 High
94/100
Crime Moderate
41/100
 Low
24/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 1
within 5 km
same for both

Schools

Phegans Bay Woy Woy Bay
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

Phegans Bay Woy Woy Bay
Parks & reserves 4 1
Childcare 0 1

Mobility

Phegans Bay sits further from the CBD (78.7 km vs 75.8 km).

Phegans Bay Woy Woy Bay
Walkability score 51/100 6/100
Distance to Sydney 78.7 km
+4% vs other
 75.8 km
Drive time (normal traffic) 70 min 66 min
Electric vehicle share 0.8%
postcode 2256
same for both
Rooftop solar per 100 dwellings 31
postcode 2256
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.

Phegans Bay Woy Woy Bay
Worked from Home 54.8% / 54.1%
Phegans Bay — Worked from Home: 54.8% Woy Woy Bay — Worked from Home: 54.1%
Car (driver) 41.4% / 45.9%
Phegans Bay — Car (driver): 41.4% Woy Woy Bay — Car (driver): 45.9%
Car (passenger) 3.8% / —
Phegans Bay — Car (passenger): 3.8% Woy Woy Bay — Car (passenger): not among its largest

Bars are drawn against the largest share shown (54.8%).

Setting

Phegans Bay Woy Woy Bay
Elevation 18 m
above sea level, at the suburb centre
 14 m
above sea level, at the suburb centre
Distance to the ocean 4.0 km 5.9 km

NBN connectivity

Phegans Bay Woy Woy Bay
Connectivity score 45/100
same for both
Most common technology Fibre to the node
same for both
Full-fibre (FTTP) share 0%
211 premises
 0%
213 premises

Climate

Phegans Bay Woy Woy Bay
Annual rainfall 1,272 mm
same for both
Summer max (Jan) 26.4°C
same for both
Winter min (Jul) 10.6°C
same for both

Air quality (annual mean)

Phegans Bay Woy Woy Bay
PM2.5 5.1 µg/m³
same for both
PM10 14.8 µg/m³
same for both
NO₂ 0.36 pphm
same for both

Council rates

Phegans Bay Woy Woy Bay
Average residential rate $1,409/yr
same for both
Council Central Coast (NSW)
same for both

Federal electorate

Phegans Bay Woy Woy Bay
Division Robertson
same for both
Member Gordon Reid
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Phegans Bay Woy Woy Bay
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Phegans Bay

Large Blocks Outer Parks Professionals

Woy Woy Bay

Acreage Outer

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Full data on Phegans Bay Full data on Woy Woy Bay
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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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