Conjola vs Fishermans Paradise: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Conjola and Fishermans Paradise are both Shoalhaven rates (OLG suburbs, sitting 167.6 km and 166.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Fishermans Paradise runs $400 a year cheaper than Conjola, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
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 →Conjola
Fishermans Paradise
Annual cost breakdown
| Category | Conjola | Fishermans Paradise | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $2,450 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,297 | $22,897 | +$400 |
| Total (public transport) | $8,097 | $7,697 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Conjola | Fishermans Paradise | 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 — Conjola vs Fishermans Paradise (2026-27)
What the numbers show
Fishermans Paradise costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,586 in favour of Fishermans Paradise.
The biggest single gap is home insurance at $400 per year. Conjola carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,097 from Conjola versus $7,697 from Fishermans Paradise.
10-year cumulative cost projection
| Year | Conjola cumulative | Fishermans Paradise cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,297 | $22,897 | $400 |
| Year 3 | $72,009 | $70,772 | $1,237 |
| Year 5 | $123,687 | $121,563 | $2,124 |
| Year 10 | $267,074 | $262,488 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Conjola or Fishermans Paradise cheaper to live in?
Fishermans Paradise is cheaper to run by car at $22,897 per year versus $23,297 for Conjola, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Conjola and Fishermans Paradise?
Annual council rates for a house are $1,547 in Conjola (Shoalhaven rates (OLG) and $1,547 in Fishermans Paradise (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Conjola and $1,300 in Fishermans Paradise. 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 Conjola and Fishermans Paradise?
Annual driving commute costs are $17,600 from Conjola and $17,600 from Fishermans Paradise to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Conjola and $2,400 from Fishermans Paradise.
What is the 10-year cost difference between Conjola and Fishermans Paradise?
At 3% annual cost growth, Conjola costs a cumulative $267,074 and Fishermans Paradise costs $262,488 over 10 years by car. The cumulative difference is $4,586 in favour of Fishermans Paradise. Excludes purchase price, mortgage, and personal expenses.
Which of Conjola and Fishermans Paradise 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: Shoalhaven rates (OLG and Shoalhaven 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.