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?
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Our score
Not enough data to score this suburb.
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Median House Price
Q4 2025Fernbank 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
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 202596 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
2025Crime 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 2024Crime Trend
Serious Road Crashes
2021–20254 crashes
where someone was killed or admitted to hospital
Where they happened
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.
- Camden Haven River and Lakes System Flood Study Update (2025) 2026
- North Brother Local Catchments Floodplain Risk Management Study and Plan 2021
- North Brother Local Catchments Flood Study 2020
- Hastings River Floodplain Risk Management Plan 2014
- Dunbogan - Report for Flood Access Investigation & Design Route Options Feasibility 2008
Schools
Walkability
Fernbank Creek is very car-dependent on foot — at 0/100, nearly all errands require a car.
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.
- Full-fibre (FTTP) share
- 4%
- Premises covered
- 52
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
Port Macquarie-Hastings: council population
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
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
Median Age
50
Median Household Income
$84,500/yr
Census Median Rent
$275/wk
Census Median Mortgage
$1,625/mo
Avg Household Size
2.8
Median Personal Income
$37,024/yr
Unemployment Rate
0.0%
Unoccupied Dwellings
17.5%
Total Dwellings
40
Owner-Occupier Rate
78.4%
Houses
100.0%
Rental Stress
16.9%
Mortgage Stress
23.1%
Work From Home
14.5%
Dwelling Types
Property Ownership
Demographics
- Born in Australia
- 81.1%
- English Spoken at Home
- 83.6%
- Employment Rate
- 60.6%
- Completed Year 12
- 33.6%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $1,325 a year through Port Macquarie-Hastings based on 2024 figures.
How this land is zoned
- 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
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.
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
MODERATEPM2.5 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- 2.6 kmGravel and Sand QuarryingTop reported: Particulate Matter ≤10.0 µm (PM10) · Oxides of Nitrogen · Carbon monoxide
- 2.9 kmPetroleum Product WholesalingTop reported: Total Volatile Organic Compounds · Toluene (methylbenzene) · Xylenes (individual or mixed isomers)
EV adoption
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%.
Rooftop solar
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.
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).
Mortgage repayments
Q4-2025 median17 mortgage brokers are registered in postcode 2444.
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.
At $905,000 this is $305,000 above the $600,000 First Home Owner Grant cap. A first home buyer may qualify for $10,000 on a newly built home — check eligibility with Revenue NSW.
A deposit under 20% usually attracts Lenders Mortgage Insurance, which this doesn't include.
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
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
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.
- The census for a few hundred neighbours, not all 122 residents
- Nearest and zoned schools, with the walk from that door
- Flood, bushfire and noise mapping, where the state publishes it
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).
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Data freshness
- Census · 2021
- Median sale prices · Q4 2025
- Council rates · FY 2024–25
- Building approvals · Aug 2026
- Schools · 2025
- NBN connectivity · Dec 2025
- Crime · 2025
- Road crashes · 2021–2025
- Air quality · 2025
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- Short-stay rentals · Jun 2026
- State electorate · 2023
- Amenities · Sep 2026
- Health & emergency facilities · Sep 2026
- Industrial emissions (NPI) · 2024/2025
- Coastal erosion · 1988–2025
- Aircraft noise · 2024
Vintages show when each source's data is from. See all data sources.
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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.