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ABS 2021 Census · Updated 21 May 2026
Fernances Crossing is a regional centre in New South Wales, Australia, with a population of approximately 36, making it a boutique locality. Located approximately 90 km from the Sydney CBD, Fernances Crossing is a regional area in New South Wales. The median household income is $84,500 per year.
Fernances Crossing has a solid income profile that supports reliable occupancy rates. Distance from major centres is a consideration, though regional markets can offer higher rental yields.
Official Australia Post postcode for Fernances Crossing. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Fernances Crossing on My School →Estimated 1 park and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Fernances Crossing is a smaller community of 36 — about 1% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Household income of $84,500/year is 13% below the New South Wales median of $97,552, typically translating into lower entry prices and a tenant base more sensitive to rent increases. Median weekly rent of $575 equates to $2,492/month — about 119% of the median mortgage repayment of $2,100/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Fernances Crossing is 90 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 50% of dwellings are separate houses (vs 76% state median), so this is a unit-heavy market where body-corporate decisions and strata supply meaningfully shape investor returns.
How Fernances Crossing stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Fernances Crossing sits above the state median; negative means below.
| Metric | Fernances Crossing | NSW median | Δ vs state |
|---|---|---|---|
| Population | 36 | 5,325 | -99% |
| Median household income | $84,500/yr | $97,552/yr | -13% |
| Median rent (weekly) | $575 | $430 | +34% |
| Median mortgage (monthly) | $2,100 | $2,167 | -3% |
| Distance to CBD | 90 km | 45 km | +100% |
| Separate houses | 50% | 76% | -26pp |
Pre-inspection briefing for Fernances Crossing — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 36 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Strong rental coverage: $575/week (~$2,492/month) covers 119% of the $2,100/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.
Only 50% of dwellings are separate houses (vs 76% NSW median) — this is a unit and townhouse market, where cosmetic flips struggle against body-corporate restrictions, thinner after-reno uplift and competing new supply.
Run the numbers on a Fernances Crossing property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Fernances Crossing are modest for 2026 — incomes 13% below the NSW median of $97,552 and a population of 36 suggest gains will lag headline metro markets. Rental coverage runs at ~119% of the typical mortgage ($2,492/month rent vs $2,100/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 41/100 places Fernances Crossing in the mid tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Fernances Crossing scores 41/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 36, median household income of $84,500/year and median weekly rent of $575. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Fernances Crossing are a median household income of $84,500/year, a dwelling mix that is 50% separate houses, roughly 1 schools and 1 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Fernances Crossing has a usual resident population of approximately 36, compared with a New South Wales suburb median of 5,325 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
Fernances Crossing sits 90 km straight-line from the Sydney CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
The most recent census recorded a median weekly rent of $575 in Fernances Crossing, equating to approximately $29,900/year in gross rental income (state median $430/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
The median monthly mortgage repayment in Fernances Crossing is $2,100, or approximately $25,200/year (vs $2,167/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
A median weekly rent of $575 works out to $2,492/month, covering 119% of the median mortgage repayment of $2,100/month. That means rent exceeds the median repayment by roughly $392/month, so on these numbers Fernances Crossing leans cash-flow-positive before accounting for strata, council rates, insurance and maintenance. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
The main risks are a thin buyer pool (36 residents), interest-rate sensitivity on the $2,100 median mortgage, the broader New South Wales market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.