Fernbank Creek NSW 2444

Located in New South Wales, Fernbank Creek sits 381 km from Sydney CBD, around 4 hours 15 minutes by car. The suburb has 122 residents, a median age of 50, and a median household income of $84,500 per year. By household income, education, and employment patterns, it ranks in the top 40% nationally. The suburb fell 8.3% between 2016 and 2021. At the 2021 Census, households here paid a median rent of $275 per week and a median monthly mortgage of $1,625. Fernbank Creek is characterised by high crime risk. Walkability is low.

This suburb is too small to rate.

The Liveability Rating is calculated for suburbs of 500 residents or more, and this one has 122. Below that the school, census and safety figures behind the score cover too few people to rank fairly against the rest of the state. The individual measures further down this page are still shown.

How do you rate the liveability in Fernbank Creek?

Local knowledge beats any dataset. Rate it and see what other residents think.

Our score

Not enough data to score this suburb.

Residents say

…

AwfulPoorAverageGoodGreat
What applies here? (optional)

One rating per person. You can change yours at any time.

Median House Price

Q4 2025

Fernbank Creek's house market is moving higher: the median sale price reached $905,000 in the December 2025 quarter, about 6% above where it sat a year earlier. That said, only one sale settled in the quarter, so the median is a noisy signal — treat it as a direction rather than a level. Zoom out: prices have climbed roughly 24% over the past decade — 2.2% per year on average.

$905,000

last 4 quarters
↑ +5.8% year-on-year
↑ +24.1% over 2015–2025 (+2.2%/yr compound)

Based on only 1 sale — small sample, take as indicative.

Rental Market

Rent agreed on new leases

Jul–Sep 2026
3-bed houses
$650/wk
141 bonds
+26% since 2021
2-bed units
$490/wk
109 bonds
+25% since 2021

Median weekly rent on bonds lodged for new tenancies across postcode 2444 (NSW publishes bonds by postcode, which can cover several suburbs). Change since 2021 compares the median of the first four quarters with the last four. Asking rents above come from advertised listings.

Rental affordability

June quarter 2025

96 Unaffordable · the average rental household in this region would pay about 31% of its income on the median rent in postcode 2444.

SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.

Short-Stay Rentals

2 active Airbnb listings: 2 whole homes and 0 rooms.

Airbnb only, as at Jun 2026; other platforms are not included. Active means reviewed in the past 12 months.

Is Fernbank Creek safe? Crime statistics

2025

Crime in Fernbank Creek sits in the high band, with 5 incidents recorded in 2025 — down roughly 54% on the prior year.

5 offences

54.5% since 2024
Sexual Offences 3 (60.0%)
Assault 1 (20.0%)
Disorderly Conduct 1 (20.0%)

Crime Trend

Serious Road Crashes

2021–2025

4 crashes

where someone was killed or admitted to hospital

Where they happened

Fernbank Creek Road 3 (75.0%)

Crashes are counted where they happened, so a main road through the suburb carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.

Council Flood Studies

Port Macquarie-Hastings Council has published 10 flood studies on the NSW Flood Data Portal. The mapped flood areas are in those studies; SuburbScan does not hold them.

All 10 on the portal

Schools

No schools in this suburb boundary.

Walkability

Fernbank Creek is very car-dependent on foot — at 0/100, nearly all errands require a car.

0
out of 100
Very Car-Dependent
Public Transport within 1 km not measured
Schools within 1.5 km 0
Parks within 800 m 0
Supermarkets within 1 km 0
GPs within 1 km 0
Pharmacies within 1 km 0
Childcare within 1 km 0
Hospitals within 5 km 0

We hold no public transport timetable data for this area, so public transport is not rated here and the score is spread across the remaining components. It is not counted as zero.

NBN connectivity

The internet access technology available across NBN premises in Fernbank Creek.

33
connectivity score / 100
Most common
Fixed wireless
Full-fibre (FTTP) share
4%
Premises covered
52
Technology mix
Fixed wireless (WIRELESS) 92%
Fibre to the node (FTTN) 4%
Fibre to the premises (FTTP) 4%

NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.

Amenities

Supermarkets
None
Shopping Centres
None
Cafes & Restaurants
None
Parks & Reserves
None
Sport & Recreation
None
Beaches
None
Waterways
6 in suburb
Childcare
None
GPs
None
Pharmacies
None
Hospitals
None
Police Stations
None
Banks & Bank@Post
None
Fuel Stations
None
EV Chargers
1 in suburb
Pubs & Bars
None
Arts & Culture
None
Places of Worship
None

Port Macquarie-Hastings: council population

The whole council area, not just Fernbank Creek · estimated residents
at 30 June 2025
Residents
92,432
+1.5% in a year
Change
+1,368
people since 2024
Density
25
people per km² across the council area
What drove the change
Natural increase
-288
births minus deaths
Net internal migration
+1,397
moves within Australia
Net overseas migration
+259
arrivals minus departures

The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb's own population is in the census section above.

Socio-economic profile

ABS SEIFA · ranked against every suburb in Australia, and within the state
2021 census
Advantage and disadvantage
7/10
7/10 within NSW
income, education, jobs and housing together
Economic resources
9/10
9/10 within NSW
income against housing cost and household size
Education and occupation
7/10
6/10 within NSW
qualifications and job type, income excluded

Fernbank Creek is home to 122 residents, with a median age of 50 — noticeably older than the national figure of 38. Median household income runs at $84,000 a year, with unemployment at 0.0%.

2021 Census · change since 2016

Population

122

8.3% since 2016

Median Age

50

11.1% since 2016

Median Household Income

$84,500/yr

23.0% since 2016

Census Median Rent

$275/wk

24.4% since 2016

Census Median Mortgage

$1,625/mo

22.0% since 2016

Avg Household Size

2.8

3.4% since 2016

Median Personal Income

$37,024/yr

21.3% since 2016

Unemployment Rate

0.0%

Unoccupied Dwellings

17.5%

127.3% since 2016

Total Dwellings

40

2.6% since 2016

Owner-Occupier Rate

78.4%

2.2% since 2016

Houses

100.0%

no change since 2016

Rental Stress

16.9%

1.2% since 2016

Mortgage Stress

23.1%

36.5% since 2016

Work From Home

14.5%

39.8% since 2016

Dwelling Types

Houses 40 (100.0%)

Property Ownership

Owned Outright 19 (51.4%)
Mortgage 10 (27.0%)
Renting 8 (21.6%)

Demographics

Born in Australia
81.1%
English Spoken at Home
83.6%
Employment Rate
60.6%
4.1% since 2016
Completed Year 12
33.6%

Occupations

Professionals 15 (25.0%)
Managers 10 (16.7%)
Technicians & Trades 10 (16.7%)
Community & Personal Service 10 (16.7%)
Sales 9 (15.0%)
Labourers 8 (13.3%)
Clerical & Administrative 7 (11.7%)
Machinery Operators & Drivers 4 (6.7%)

Religion

Christianity 54 (44.3%)
No Religion 53 (43.4%)
Buddhism 7 (5.7%)

Country of Birth (overseas)

Largest overseas birthplaces, as a share of all residents.

Philippines 5 (4.1%)
England 4 (3.3%)

Age Distribution

0-4 9 (7.4%)
5-14 10 (8.2%)
15-19 11 (9.0%)
20-24 9 (7.4%)
25-34 11 (9.0%)
35-44 3 (2.5%)
45-54 21 (17.2%)
55-64 23 (18.9%)
65-74 17 (13.9%)
75-84 6 (4.9%)
85+ 6 (4.9%)

Family & Household Composition

Couple Families 11 (55.0%)
One Parent Families 6 (30.0%)
Lone Person 3 (15.0%)

Commute to Work

Car (driver) 43 (78.2%)
Worked from Home 8 (14.5%)
Car (passenger) 4 (7.3%)

Education

Certificate III & IV 29 (23.8%)
Advanced Diploma / Diploma 12 (9.8%)
Postgraduate Degree 5 (4.1%)
Bachelor Degree 5 (4.1%)
Graduate Diploma / Certificate 4 (3.3%)

Cars per Dwelling

1 car 10 (23.8%)
2 cars 12 (28.6%)
3 cars 10 (23.8%)
4+ cars 8 (19.0%)

Council Rates

Port Macquarie-Hastings
FY 2024-25

Households face an average residential rates bill of $1,325 a year through Port Macquarie-Hastings based on 2024 figures.

Avg residential rate
$1,325/yr
8% above the NSW average of $1,230 · median of 128 councils
Valuation basis
Unimproved Value
land only

How this land is zoned

Share of Fernbank Creek's area by planning zone
2026-09
  • Rural and farming 60%
  • Environmental 38%
  • Infrastructure and transport 2%

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 — the property page shows the zone for one address.

Building Approvals: Port Macquarie-Hastings

The whole council area, not just Fernbank Creek · new residential dwellings
to 2026-08

In the year to August 2026, 546 new dwellings were approved across Port Macquarie-Hastings. That mix is 357 houses and 189 units. Approvals are up 32.7% on the same period a year earlier.

Trailing 12 months
546dwellings
+32.7% YoY
Houses
357
detached dwellings
Units
189
townhouses + apartments

Aboriginal Land Council

Aboriginal land in this area is administered by the Birpai Local Aboriginal Land Council.

Local Aboriginal Land Councils are statutory bodies under the Aboriginal Land Rights Act 1983, responsible for land claims and land management for their members. Their boundaries are administrative and are not a statement of whose Country this is. NSW does not publish a register of Aboriginal parties by area — they are registered for each project.

Air Quality

MODERATE

PM2.5 averaged 5.1 µg/m³ in 2025 — below Australia's NEPM annual standard (8 µg/m³), slightly above the stricter WHO guideline (5 µg/m³). 4 days exceeded the daily threshold of 25 µg/m³.

PM10 averaged 11.3 µg/m³ · NO₂ averaged 0.92 pphm. Days over the limit in 2025: PM10 1 · NO₂ 0 · ozone 0.

From the Port Macquarie monitoring station, 5.7 km away.

Setting

Elevation
2 m
above sea level, at the suburb centre
Distance to the ocean
3.1 km
Near high-voltage lines
8.7% of addresses
6 within 100 m of an overhead line of 110 kV or more

Elevation is the ground at the suburb centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.

Industrial Emissions Nearby

2 facilities within 5 km

EV adoption

0.7%
of light vehicles are electric
Up from 0.05% in 2021
+0.2 points this year

In postcode 2444, 278 of 41,185 registered light vehicles are battery-electric on 31 January 2025. A further 3.4% (1,398 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 4.1%.

Electric share, year by year
2021
0.05%
2022
0.12%
2023
0.21%
2024
0.46%
2025
0.68%

Rooftop solar

51
systems per 100 dwellings
Averaging 6.3 kW each

In postcode 2444, 11,794 rooftop-solar systems totalling 74.9 MW have been installed since 2001, against 22,958 dwellings recorded in the 2021 Census. 730 went up in the last year.

Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.

Systems installed, year by year
2019
858
2020
1,293
2021
996
2022
907
2023
966
2024
905
2025
689
2026
410

2026 covers part of the year only, to 2026-07.

First Home Owner Grant

FY2026-27

$10,000 for new homes priced up to $600,000.

Off-the-plan or contracted-build value cap is $750,000 (vs $600,000 for completed new homes). Stamp duty concessions are a separate scheme (First Home Buyers Assistance).

Verify eligibility with Revenue NSW

Mortgage repayments

Q4-2025 median
I'm looking for
Deposit
$
%
Monthly repayment
$4,720
Loan amount
$724,000
Total interest over 30 years
$975,178

17 mortgage brokers are registered in postcode 2444.

Deposit
$181,000
Stamp duty
$34,912
Cash needed at settlement
$215,912

Transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with Revenue NSW

The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $600,000 may qualify for $10,000 — see what qualifies with Revenue NSW.

Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-27 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.

Federal Electorate

Division of Cowper

Currently held by Pat Conaghan The Nationals

Year Winner 2PP ALP 2PP LNP Swing
2025 Pat Conaghan 40.9% 59.1% +0.5
2022 Pat Conaghan 40.5% 59.5% -2.4
2019 Pat Conaghan 38.1% 61.9% -0.7

Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact suburb's voters across time.

State Electorate

Port Macquarie District

Currently held by Robert Dwyer Liberal — elected at the Mar 2025 by-election, after the results below

Next state election: 13 March 2027.

Year Winner Won with
2023 Leslie Williams LP 60.8%
2019 Leslie Williams NP 70.3%
2015 Leslie Williams NP 69.0%

Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this suburb's voters. Results: © State of New South Wales through the NSW Electoral Commission, CC BY 4.0, adapted.

Looking at a specific address in Fernbank Creek?

Every figure above is a suburb average, and an average smooths over the difference between a street of family homes and a block of flats. Look up one address and you get the census for the few hundred people around it, its own nearest schools and stops, and what the state has mapped for that block.

Free to look up. Subscribers see every section in full — $29/month.

Nearby suburbs

Compare Fernbank Creek to another suburb

Side-by-side stats for any other NSW suburb — type a name and pick one.

Or jump straight to a nearby comparison:

Common questions about Fernbank Creek

Is Fernbank Creek a safe place to live?

Recorded crime in Fernbank Creek is high (72/100, ranked against other NSW suburbs on offences per resident). Offences against shops, venues and visitors are divided by the people who live here, so suburbs with large daytime or visitor populations rank higher than living there may feel.

What natural hazards affect Fernbank Creek?

Fernbank Creek has a moderate recorded bushfire history (58/100, ranked against every Australian suburb with any fire history). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.

What is the population of Fernbank Creek?

Fernbank Creek, NSW had a population of 122 at the 2021 Australian Bureau of Statistics census.

What is the postcode for Fernbank Creek, NSW?

The postcode for Fernbank Creek, NSW is 2444.

How far is Fernbank Creek from Sydney?

Fernbank Creek is 381 km from Sydney CBD by road, about 256 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.

What is the median household income in Fernbank Creek?

At the 2021 ABS Census, median household income in Fernbank Creek was $84,500 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.

What is the median weekly rent in Fernbank Creek?

There are too few current rental listings in Fernbank Creek for a reliable median. At the 2021 ABS Census the median weekly rent was $275, across all dwelling types.

What is the median age in Fernbank Creek?

The median age of residents in Fernbank Creek was 50 at the 2021 ABS Census.

Is Fernbank Creek at risk of bushfire?

Fernbank Creek has a moderate recorded bushfire history (58/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the suburb relative to its size, ranked against every Australian suburb with any fire history. It records where fire has burned, not a bushfire-prone land designation, which your council's planning scheme sets.

What is the air quality in Fernbank Creek?

The nearest government air-quality monitoring station to Fernbank Creek (Port Macquarie) recorded a 2025 annual mean PM2.5 of 5.1 µg/m³ and PM10 of 11.3 µg/m³. That puts Fernbank Creek below the Australian NEPM annual standard of 8 µg/m³ but above the stricter WHO guideline of 5 µg/m³.

What is the median house price in Fernbank Creek?

The median sale price for houses in Fernbank Creek was $905,000 in the Q4 2025 quarter, based on a small sample of 1 sales — take as indicative.

Is the First Home Owner Grant available in Fernbank Creek?

First-home buyers in NSW may be eligible for $10,000 towards new homes with a purchase price up to $600,000. The grant is administered by Revenue NSW; confirm current eligibility before signing a contract — state rules and amounts can change.

What council does Fernbank Creek belong to?

Fernbank Creek sits within the Port Macquarie-Hastings local government area. Council rates, planning approvals, and waste collection fall under this LGA.

How much are council rates in Fernbank Creek?

The average residential rates bill through Port Macquarie-Hastings is $1,325 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.

How much is being built near Fernbank Creek?

Across Port Macquarie-Hastings, 546 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 32.7% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.

Which federal electorate is Fernbank Creek in?

Fernbank Creek sits within the federal Division of Cowper, currently held by Pat Conaghan (The Nationals).

Search another suburb or address

Data freshness

Vintages show when each source's data is from. See all data sources.

Was the information on this page useful to you?

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.

Save this page for later

We'll email you a link to this page so you can finish reading it on any device. We use your address once to send it and don't keep it.

or