Coopernook vs Moorland, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Coopernook and Moorland are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Moorland runs $11,413 a year cheaper than Coopernook, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $130,837.
Over 10 years, Moorland costs about $130,800 less to run than Coopernook. That's about $252 a week.
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Moorland
Annual cost breakdown
| Category | Coopernook | Moorland | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $6,787 | +$11,413 |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $6,787 | +$11,413 |
| Home insurance Estimated | $2,800 | $2,800 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,909 | $12,496 | +$11,413 |
| Total (public transport) | $23,909 | $12,496 | +$11,413 |
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 | Coopernook | Moorland | 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, Coopernook vs Moorland (2026-27)
What the numbers show
Moorland costs $11,413 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $130,837 in favour of Moorland.
The biggest single gap is commute costs at $11,413 per year. Coopernook is more than 100 km from Sydney CBD, so its driving figure is a flat regional allowance of about 20,000 km of household driving a year rather than a commute.
On public transport the gap is $11,413 per year, $23,909 from Coopernook versus $12,496 from Moorland.
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 favours Moorland by $11,413 a year, $6,787 against $18,200.
- Building insurance is identical at $2,800 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. What separates them is commute distance.
The catchment state school scores 4.1 in Coopernook against 1.6 in Moorland, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Coopernook cumulative | Moorland cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,909 | $12,496 | $11,413 |
| Year 3 | $73,900 | $38,624 | $35,276 |
| Year 5 | $126,936 | $66,343 | $60,593 |
| Year 10 | $274,090 | $143,253 | $130,837 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Coopernook or Moorland cheaper to live in?
Moorland is cheaper to run by car at $12,496 per year versus $23,909 for Coopernook, a difference of $11,413 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Coopernook and Moorland?
Annual council rates for a house are $1,609 in Coopernook (Mid-Coast rates (OLG) and $1,609 in Moorland (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Coopernook and $1,300 in Moorland. 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 Coopernook and Moorland?
Coopernook 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. Moorland is $6,787 a year to drive to Port Macquarie CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Coopernook and Moorland?
At 3% annual cost growth, Coopernook costs a cumulative $274,090 and Moorland costs $143,253 over 10 years by car. The cumulative difference is $130,837 in favour of Moorland. Excludes purchase price, mortgage, and personal expenses.
Which of Coopernook and Moorland suits you better?
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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.