Bombah Point vs Nerong: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Bombah Point and Nerong are both Mid-Coast rates (OLG suburbs, sitting 180.2 km and 176.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Nerong runs $650 a year cheaper than Bombah Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,451.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bombah Point
Nerong
Annual cost breakdown
| Category | Bombah Point | Nerong | Difference |
|---|---|---|---|
| Council rates | $1,609 | $1,609 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $2,850 | +$650 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $24,009 | $23,359 | +$650 |
| Total (public transport) | $8,809 | $8,159 | +$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bombah Point | Nerong | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Bombah Point vs Nerong (2026-27)
What the numbers show
Nerong costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,451 in favour of Nerong.
The biggest single gap is home insurance at $650 per year. Bombah Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,809 from Bombah Point versus $8,159 from Nerong.
10-year cumulative cost projection
| Year | Bombah Point cumulative | Nerong cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,009 | $23,359 | $650 |
| Year 3 | $74,209 | $72,200 | $2,009 |
| Year 5 | $127,467 | $124,016 | $3,451 |
| Year 10 | $275,236 | $267,785 | $7,451 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bombah Point or Nerong cheaper to live in?
Nerong is cheaper to run by car at $23,359 per year versus $24,009 for Bombah Point, a difference of $650 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bombah Point and Nerong?
Annual council rates for a house are $1,609 in Bombah Point (Mid-Coast rates (OLG) and $1,609 in Nerong (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Bombah Point and $1,300 in Nerong. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Bombah Point and Nerong?
Annual driving commute costs are $17,600 from Bombah Point and $17,600 from Nerong to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Bombah Point and $2,400 from Nerong.
What is the 10-year cost difference between Bombah Point and Nerong?
At 3% annual cost growth, Bombah Point costs a cumulative $275,236 and Nerong costs $267,785 over 10 years by car. The cumulative difference is $7,451 in favour of Nerong. Excludes purchase price, mortgage, and personal expenses.
Which of Bombah Point and Nerong is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Mid-Coast rates (OLG and Mid-Coast rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.