In one sentence: Above the fold is the part of a web page a visitor can see the moment it loads, before scrolling, and because screens come in so many sizes that boundary falls in a different place on a phone than it does on a desktop monitor.
The phrase comes from newspapers. A broadsheet sat folded in half on the newsstand, so only the top of the front page showed, and the biggest headline went there for exactly that reason. On a website there is no single fold. A phone held upright shows a tall narrow slice. A laptop shows a wide short one. A tablet turned sideways shows something different again.
So above the fold is not a fixed number of pixels down the page. It is whatever the first screen happens to show on the device in front of the person looking, which means the same page has one fold on a phone and another on a monitor, and neither one is the real one. Which is why an argument about the fold is really an argument about priority.
Say a roofing company opens its home page with a full width photo of a finished roof and the company name across it. On a laptop the phone number and the estimate button sit just underneath and stay in view. On a phone that same photo fills the entire first screen, and the button lands two swipes down, where somebody in a hurry never goes.
The first screen is a fixed amount of room, and everything on the page competes for it. A tall navigation bar takes a slice. A cookie banner takes another. A promo strip, a chat bubble, a discount popup, a rotating slider that happens to open on the wrong slide: each one spends space that was already spoken for. On a laptop there is slack for that. On a phone held upright there is none, and what those pieces take is space your own content does not get.
So the useful question is not where the fold sits. It is what you are willing to spend that room on, and what you have quietly let spend it for you. Owners are often surprised by the answer, because they look at their site on the desktop it was designed on, where nothing appears to be missing. Crowding is the more common failure here by far, not sparseness.
It is also worth saying plainly what above the fold is not. It is not a ranking setting, and no search engine hands out credit for a particular layout height. It is a question about what a real person sees in the first second on the device they are holding. Which is why the honest way to settle an argument about that space is to watch what visitors on your site actually do rather than what the room prefers, and that is analytics and conversion work.
Three terms stack on top of each other here. The hero section is the block you design for that space. Above the fold is how much of it any given visitor actually sees. And the call to action is the one thing you want them to do next, which is the piece most likely to slip off the bottom of a phone screen.
Speed belongs in the same conversation, because largest contentful paint measures how long the biggest element in that first screen takes to appear. A heavy hero photo costs you twice: once in space, once in waiting.
There is no single line. Screens vary too much for one number to be right for everyone. The workable version is to look at your first screen on a common phone and on a laptop, and check that who you are, what you do, and how to contact you all survive in both.
No. People scroll, as long as the top of the page gives them a reason to. The first screen has to earn the scroll. It does not have to carry the whole page.
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