Coomba Bay vs Coomba Park: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Coomba Bay and Coomba Park are both Mid-Coast rates (OLG suburbs, sitting 212.2 km and 216 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Coomba Park runs $400 a year cheaper than Coomba Bay, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
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 →Coomba Bay
Coomba Park
Annual cost breakdown
| Category | Coomba Bay | Coomba Park | 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 | $3,100 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $24,009 | $23,609 | +$400 |
| Total (public transport) | $8,809 | $8,409 | +$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 | Coomba Bay | Coomba Park | 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 — Coomba Bay vs Coomba Park (2026-27)
What the numbers show
Coomba Park costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Coomba Park.
The biggest single gap is home insurance at $400 per year. Coomba Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,809 from Coomba Bay versus $8,409 from Coomba Park.
10-year cumulative cost projection
| Year | Coomba Bay cumulative | Coomba Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,009 | $23,609 | $400 |
| Year 3 | $74,209 | $72,973 | $1,236 |
| Year 5 | $127,467 | $125,343 | $2,124 |
| Year 10 | $275,236 | $270,651 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Coomba Bay or Coomba Park cheaper to live in?
Coomba Park is cheaper to run by car at $23,609 per year versus $24,009 for Coomba Bay, 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 Coomba Bay and Coomba Park?
Annual council rates for a house are $1,609 in Coomba Bay (Mid-Coast rates (OLG) and $1,609 in Coomba Park (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Coomba Bay and $1,300 in Coomba Park. 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 Coomba Bay and Coomba Park?
Annual driving commute costs are $17,600 from Coomba Bay and $17,600 from Coomba Park to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Coomba Bay and $2,400 from Coomba Park.
What is the 10-year cost difference between Coomba Bay and Coomba Park?
At 3% annual cost growth, Coomba Bay costs a cumulative $275,236 and Coomba Park costs $270,651 over 10 years by car. The cumulative difference is $4,585 in favour of Coomba Park. Excludes purchase price, mortgage, and personal expenses.
Which of Coomba Bay and Coomba Park 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.