Congo vs Moruya Heads: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Congo and Moruya Heads are both Eurobodalla rates (OLG suburbs, sitting 251 km and 249 km from Sydney CBD respectively, 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.
Congo
Moruya Heads
Annual cost breakdown
| Category | Congo | Moruya Heads | Difference |
|---|---|---|---|
| Council rates | $1,285 | $1,285 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $3,500 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,685 | $23,685 | - |
| Total (public transport) | $8,485 | $8,485 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Congo | Moruya Heads | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Congo vs Moruya Heads (2026-27)
What the numbers show
Congo and Moruya Heads 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, $8,485 and $8,485 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Congo cumulative | Moruya Heads cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,685 | $23,685 | $0 |
| Year 3 | $73,208 | $73,208 | $0 |
| Year 5 | $125,747 | $125,747 | $0 |
| Year 10 | $271,522 | $271,522 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Congo or Moruya Heads cheaper to live in?
Congo is cheaper to run by car at $23,685 per year versus $23,685 for Moruya Heads, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Congo and Moruya Heads?
Annual council rates for a house are $1,285 in Congo (Eurobodalla rates (OLG) and $1,285 in Moruya Heads (Eurobodalla rates (OLG). Water and sewerage adds $1,300 in Congo and $1,300 in Moruya Heads. 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 Congo and Moruya Heads?
Annual driving commute costs are $17,600 from Congo and $17,600 from Moruya Heads to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Congo and $2,400 from Moruya Heads.
What is the 10-year cost difference between Congo and Moruya Heads?
At 3% annual cost growth, Congo costs a cumulative $271,522 and Moruya Heads costs $271,522 over 10 years by car. The cumulative difference is $0 in favour of Congo. Excludes purchase price, mortgage, and personal expenses.
Which of Congo and Moruya Heads 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.
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Sources: Eurobodalla rates (OLG and Eurobodalla 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.