Congo vs Moruya Heads, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Congo and Moruya Heads are both Eurobodalla 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.
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Moruya Heads
Annual cost breakdown
| Category | Congo | Moruya Heads | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,285 | $1,285 | - |
| 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) | $23,435 | $23,435 | - |
| Total (public transport) | $23,435 | $23,435 | - |
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 | Congo | Moruya Heads | Difference |
|---|---|---|---|
| House | $3,115 | $3,115 | - |
| Unit | $2,585 | $2,585 | - |
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, 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, $23,435 and $23,435 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 $1,285 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 | Congo cumulative | Moruya Heads cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,435 | $23,435 | $0 |
| Year 3 | $72,435 | $72,435 | $0 |
| Year 5 | $124,420 | $124,420 | $0 |
| Year 10 | $268,656 | $268,656 | $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 $23,435 per year versus $23,435 for Moruya Heads, 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 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?
Congo 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. Moruya Heads 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 Congo and Moruya Heads?
At 3% annual cost growth, Congo costs a cumulative $268,656 and Moruya Heads costs $268,656 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 suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.