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 $420 a year cheaper than Coralville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,814.
Over 10 years the gap between these two is about $4,800, about $9 a week, and most of it is the AI-estimated insurance line.
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Moorland
Annual cost breakdown
| Category | Coralville | Moorland | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,857 | $6,787 | +$70 |
| Commute (public transport) Modelled, 2026-27 | $6,857 | $6,787 | +$70 |
| Home insurance Estimated | $3,150 | $2,800 | +$350 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $12,916 | $12,496 | +$420 |
| Total (public transport) | $12,916 | $12,496 | +$420 |
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 | 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
Coralville and Moorland differ by $420 a year by car, but $350 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $70, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year. Coralville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $420 per year, $12,916 from Coralville 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 $70 a year, $6,787 against $6,857.
- Building insurance favours Moorland by $350 a year, $2,800 against $3,150.
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 | $12,916 | $12,496 | $420 |
| Year 3 | $39,922 | $38,624 | $1,298 |
| Year 5 | $68,573 | $66,343 | $2,230 |
| Year 10 | $148,067 | $143,253 | $4,814 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Coralville or Moorland cheaper to live in?
Neither is named cheaper. Coralville runs $12,916 a year by car and Moorland $12,496, but most of the $420 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $70. 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). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Coralville and Moorland?
At 3% annual cost growth, Coralville costs a cumulative $148,067 and Moorland costs $143,253 over 10 years by car. The cumulative difference is $4,814 in favour of Moorland. Excludes purchase price, mortgage, and personal expenses.
Which of Coralville 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.