Coralville 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
Coralville and Moorland are both Mid-Coast rates (OLG suburbs, sitting 45.5 km and 46.8 km from Port Macquarie CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Moorland runs $470 a year cheaper than Coralville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,388.
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 →Coralville
Moorland
Annual cost breakdown
| Category | Coralville | Moorland | Difference |
|---|---|---|---|
| Council rates | $1,609 | $1,609 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,857 | $6,787 | +$70 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $3,100 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $13,266 | $12,796 | +$470 |
| Total (public transport) | $8,809 | $8,409 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Coralville | 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 — Coralville vs Moorland (2026-27)
What the numbers show
Moorland costs $470 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,388 in favour of Moorland.
The biggest single gap is home insurance at $400 per year. Coralville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,809 from Coralville versus $8,409 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 $70 a year, $6,787 against $6,857.
- Building insurance favours Moorland by $400 a year, $3,100 against $3,500.
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 and the insurance band.
Fire risk is rated high in Coralville against medium in Moorland, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Coralville cumulative | Moorland cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,266 | $12,796 | $470 |
| Year 3 | $41,004 | $39,551 | $1,453 |
| Year 5 | $70,431 | $67,936 | $2,495 |
| Year 10 | $152,080 | $146,692 | $5,388 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Coralville or Moorland cheaper to live in?
Moorland is cheaper to run by car at $12,796 per year versus $13,266 for Coralville, a difference of $470 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Coralville and Moorland?
Annual council rates for a house are $1,609 in Coralville (Mid-Coast rates (OLG) and $1,609 in Moorland (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Coralville 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 Coralville and Moorland?
Annual driving commute costs are $6,857 from Coralville and $6,787 from Moorland to Port Macquarie CBD (ATO 91c/km). Public transport costs $2,400 from Coralville and $2,400 from Moorland.
What is the 10-year cost difference between Coralville and Moorland?
At 3% annual cost growth, Coralville costs a cumulative $152,080 and Moorland costs $146,692 over 10 years by car. The cumulative difference is $5,388 in favour of Moorland. Excludes purchase price, mortgage, and personal expenses.
Which of Coralville and Moorland 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.