Fingal sits 99 km from Melbourne CBD in Victoria, around 1 hour 20 minutes by car. Census data records 637 residents with a median age of 56 and a median household income of $100,256 per year. By household income, education, and employment patterns, it ranks in the top 20% nationally. The suburb grew 20.4% between 2016 and 2021. At the 2021 Census, households here paid a median rent of $418 per week and a median monthly mortgage of $2,167. Fingal is characterised by no recorded bushfire exposure. Walkability is low.
Is Fingal a good suburb?
Fingal scores a B (62/100) on SuburbScan's Liveability grade — strong on community, weaker on transit and prices.
Car-dependent
Walkability 0/100 · 99.4 km · 80 min drive to Melbourne
Above the state median
Median $1.76M · Less affordable than 97% of VIC
Moderate crime risk
Fire 0/100 · Crime 42/100 · Flood 16/100
Very advantaged
SEIFA decile 9/10 · median age 56 · 637 residents
Liveability Rating
62 / 100 · Ranked #250 in VICEach bar is Fingal's rank among VIC suburbs, from 0 to 100 (higher is better). Scored on 4 of 5 factors: no school data, so the other factors carry its weight.
How do you rate the liveability in Fingal?
Local knowledge beats any dataset. Rate it and see what other residents think.
Our score
62 / 100
From schools, safety and socio-economic data — not opinion.
Residents say
…
Median House Price
Public listings dataFingal's house market is moving higher: the median sale price reached $1.76 million, about 9% above where it sat a year earlier.
Houses
$1,762,500
96% above its 4 neighbours (median $900,000)
Based on 10 recorded sales in the last 24 months.
Typically sold in 75 days — median across 4 sales that recorded a listing period
By bedrooms
- 4 bed 6 sales $1.75M
Units
$573,500
Based on only 8 sales — small sample, take as indicative.
Currently for Sale
Last 6 monthsHouses in Fingal are currently listed at around $1.94 million on average. Based on 11 houses listed in the past six months.
$1.94M
11 houses listed in the last 6 months.
11 of the suburb's 236 dwellings (4.7%) were listed for sale in the last 6 months.
Rental Market
Rental affordability
June quarter 2025121 Acceptable · the average rental household in this region would pay about 25% of its income on the median rent in postcode 3939.
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
47 active Airbnb listings: 47 whole homes and 0 rooms. Whole homes are about 14.0% of the suburb's homes.
Airbnb only, as at Jun 2026; other platforms are not included. Active means reviewed in the past 12 months. The share is against private dwellings at the 2021 Census.
Is Fingal safe? Crime statistics
2026Crime in Fingal sits in the moderate band, with 15 incidents recorded in 2026 — down roughly 67% on the prior year.
15 offences
66.7% since 2025Crime Trend
Serious Road Crashes
2021–2025No crash in Fingal killed anyone or put anyone in hospital in 2021–2025.
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.
Coastal Erosion
Shoreline Change Summary
1988–2025Nearest Eroding Coastline
- Distance
- 2.2 km
- Rate
- -0.28 m/yr
- Net Movement
- -19.0 m
- Certainty
- good
Data Quality
Schools
Walkability
Fingal 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 Fingal.
- Full-fibre (FTTP) share
- 10%
- Premises covered
- 420
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
Mornington Peninsula: 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
Fingal is home to 637 residents, with a median age of 56 — noticeably older than the national figure of 38. Median household income runs at $100,000 a year, with unemployment at 1.7%.
2021 Census · change since 2016
Population
637
Median Age
56
Median Household Income
$100,256/yr
Census Median Rent
$418/wk
Census Median Mortgage
$2,167/mo
Avg Household Size
2.4
Median Personal Income
$41,756/yr
Unemployment Rate
1.7%
Unoccupied Dwellings
43.2%
Total Dwellings
236
Owner-Occupier Rate
89.4%
Houses
96.6%
Rental Stress
21.7%
Mortgage Stress
25.9%
Work From Home
43.0%
Dwelling Types
Property Ownership
Demographics
- Born in Australia
- 71.0%
- English Spoken at Home
- 87.3%
- Employment Rate
- 52.9%
- Completed Year 12
- 45.8%
Occupations
Religion
Country of Birth (overseas)
Largest overseas birthplaces, as a share of all residents.
When They Arrived
Share of all residents by the year they arrived in Australia. Periods cover different numbers of years, so compare the shape rather than the bar widths.
17 residents (2.7%) arrived since 2016. Australia’s borders were closed to most arrivals from March 2020, so the last two years of that period are much smaller than the ones before them — nationally 260,799 people arrived in 2019 against 28,521 in 2021.
Where New Residents Came From
Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.
Top places newcomers came from, as a share of the 622 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.
Languages Spoken at Home
Top languages other than English, as a share of all residents.
Age Distribution
Family & Household Composition
Commute to Work
7% of employed residents work in a capital's city centre (21 of 295).
City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.
Education
Cars per Dwelling
Council Rates
Households face an average residential rates bill of $1,659 a year through Mornington Peninsula based on 2024 figures.
How this land is zoned
- Rural and farming 78%
- Other and special use 11%
- Parks and recreation 6%
- Infrastructure and transport 5%
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: Mornington Peninsula
In the year to August 2026, 791 new dwellings were approved across Mornington Peninsula. That mix is 511 houses and 280 units. Approvals are up 9.2% on the same period a year earlier.
Aboriginal Cultural Heritage
The Registered Aboriginal Party for this area is Bunurong Land Council Aboriginal Corporation (appointed 2017).
Registered Aboriginal Parties are appointed by the Victorian Aboriginal Heritage Council under the Aboriginal Heritage Act 2006 as the primary guardians, keepers and knowledge holders of Aboriginal cultural heritage for their area. They are the body to contact about cultural heritage here.
Climate & Setting
from Mornington, 27.3 kmModerate rainfall.
- Elevation
- 20 m
- above sea level, at the suburb centre
- Distance to the ocean
- 2.1 km
- 4.1 km to a named beach
- Annual rainfall
- 700 mm
- 86 rainy days
- Summer max (Jan)
- —
- Winter min (Jul)
- —
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 kmSewerage and Drainage ServicesTop reported: Total Nitrogen · Ammonia (total) · Total Phosphorus
- 2.8 kmOther Electricity GenerationTop reported: Oxides of Nitrogen · Carbon monoxide · Particulate Matter ≤2.5 µm (PM2.5)
EV adoption
In postcode 3939, 133 of 13,657 registered light vehicles are battery-electric on 31 January 2025. A further 2.3% (319 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 3.3%.
Rooftop solar
In postcode 3939, 2,839 rooftop-solar systems totalling 17.9 MW have been installed since 2001, against 9,082 dwellings recorded in the 2021 Census. 145 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 $750,000.
The separate First Home Buyer Duty Reduction (stamp-duty concession) runs alongside this grant.
2 first-home grants were paid in postcode 3939 in 2025-26, rank 176 of 298 Victorian postcodes. The most was 99, in 2001-02.
Grants on new and established homes; established homes stopped qualifying in mid-2013.
Mortgage repayments
1 mortgage broker is registered in this suburb, 5 across postcode 3939.
Land 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 State Revenue Office Victoria
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 $750,000 may qualify for $10,000 — see what qualifies with State Revenue Office Victoria.
At $1,762,500 this is $1,012,500 above the $750,000 First Home Owner Grant cap. A first home buyer may qualify for $10,000 on a newly built home — check eligibility with State Revenue Office Victoria.
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 Zoe Mckenzie Liberal
| Year | Winner | 2PP ALP | 2PP LNP | Swing |
|---|---|---|---|---|
| 2025 | Zoe Mckenzie | 45.2% | 54.8% | +1.4 |
| 2022 | Zoe Mckenzie | 43.3% | 56.7% | +1.1 |
| 2019 | Greg Hunt | 44.4% | 55.6% | -1.4 |
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 Anthony Marsh Liberal — elected at the May 2026 by-election, after the results below
Next state election: 28 November 2026.
| Year | Winner | Won with | 2PP ALP | 2PP LNP |
|---|---|---|---|---|
| 2022 | Sam Groth LP | 50.5% | 43.3% | 56.7% |
| 2018 | Chris Brayne ALP | 50.9% | 50.9% | 49.1% |
| 2014 | Martin Dixon LP | 53.3% | 42.4% | 57.6% |
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: Victorian Electoral Commission, CC BY 4.0.
Looking at a specific address in Fingal?
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 637 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 Fingal to another suburb
Side-by-side stats for any other VIC suburb — type a name and pick one.
Or jump straight to a nearby comparison:
Common questions about Fingal
Is Fingal a safe place to live?
Recorded crime in Fingal is moderate (42/100, ranked against other VIC suburbs on offences per resident).
What natural hazards affect Fingal?
Fingal has no recorded bushfire history. Flood overlays cover a low share of it (16/100). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.
Is Fingal a good place to live?
Fingal has a SuburbScan Liveability grade of B (62/100), ranked against other VIC suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.
What is the population of Fingal?
Fingal, VIC had a population of 637 at the 2021 Australian Bureau of Statistics census.
What is the postcode for Fingal, VIC?
The postcode for Fingal, VIC is 3939.
How far is Fingal from Melbourne?
Fingal is 99 km from Melbourne CBD by road, about 80 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.
What is the median household income in Fingal?
At the 2021 ABS Census, median household income in Fingal was $100,256 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 Fingal?
There are too few current rental listings in Fingal for a reliable median. At the 2021 ABS Census the median weekly rent was $418, across all dwelling types.
What is the median age in Fingal?
The median age of residents in Fingal was 56 at the 2021 ABS Census.
What is the weather like in Fingal?
At the nearest Bureau of Meteorology station to Fingal, Mornington (27.3 km away), 700 mm of rain a year over 86 rainy days over 2006-2026.
Is the First Home Owner Grant available in Fingal?
First-home buyers in VIC may be eligible for $10,000 towards new homes with a purchase price up to $750,000. The grant is administered by State Revenue Office Victoria; confirm current eligibility before signing a contract — state rules and amounts can change.
What council does Fingal belong to?
Fingal sits within the Mornington Peninsula local government area. Council rates, planning approvals, and waste collection fall under this LGA.
How much are council rates in Fingal?
The average residential rates bill through Mornington Peninsula is $1,659 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.
How much is being built near Fingal?
Across Mornington Peninsula, 791 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 9.2% 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 Fingal in?
Fingal sits within the federal Division of Flinders, currently held by Zoe Mckenzie (Liberal).
Search another suburb or address
Data freshness
- Census · 2021
- Median sale prices · Oct 2026
- For-sale & rental market · Oct 2026
- Council rates · FY 2024–25
- Building approvals · Aug 2026
- Schools · 2025
- NBN connectivity · Dec 2025
- Crime · 2026
- Road crashes · 2021–2025
- Climate · 2006–2026
- Socio-economic (SEIFA) · 2021
- EV adoption · Jan 2025
- First Home Owner Grant · Sep 2026
- Federal electorate · 2025
- Short-stay rentals · Jun 2026
- State electorate · 2022
- 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.