Boomerang Beach vs Charlotte Bay, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Boomerang Beach and Charlotte Bay are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan →Boomerang Beach
Charlotte Bay
Annual cost breakdown
| Category | Boomerang Beach | Charlotte Bay | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,650 | $2,650 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,759 | $23,759 | - |
| Total (public transport) | $23,759 | $23,759 | - |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Boomerang Beach | Charlotte Bay | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Boomerang Beach vs Charlotte Bay (2026-27)
What the numbers show
Boomerang Beach and Charlotte Bay cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $23,759 and $23,759 a year, so the $0 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,609 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,650 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. On these four costs they are identical.
10-year cumulative cost projection
| Year | Boomerang Beach cumulative | Charlotte Bay cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,759 | $23,759 | $0 |
| Year 3 | $73,437 | $73,437 | $0 |
| Year 5 | $126,140 | $126,140 | $0 |
| Year 10 | $272,370 | $272,370 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Boomerang Beach or Charlotte Bay cheaper to live in?
Boomerang Beach is cheaper to run by car at $23,759 per year versus $23,759 for Charlotte Bay, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Boomerang Beach and Charlotte Bay?
Annual council rates for a house are $1,609 in Boomerang Beach (Mid-Coast rates (OLG) and $1,609 in Charlotte Bay (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Boomerang Beach and $1,300 in Charlotte Bay. 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 Boomerang Beach and Charlotte Bay?
Boomerang Beach carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Charlotte Bay carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Boomerang Beach and Charlotte Bay?
At 3% annual cost growth, Boomerang Beach costs a cumulative $272,370 and Charlotte Bay costs $272,370 over 10 years by car. The cumulative difference is $0 in favour of Boomerang Beach. Excludes purchase price, mortgage, and personal expenses.
Which of Boomerang Beach and Charlotte Bay suits you better?
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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.