Guerilla Bay vs Mossy Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Guerilla Bay and Mossy Point are both Eurobodalla rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Mossy Point runs $400 a year cheaper than Guerilla 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 →Guerilla Bay
Mossy Point
Annual cost breakdown
| Category | Guerilla Bay | Mossy Point | Difference |
|---|---|---|---|
| Council rates | $1,285 | $1,285 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $3,100 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $24,285 | $23,885 | +$400 |
| Total (public transport) | $8,485 | $8,085 | +$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 | Guerilla Bay | Mossy Point | Difference |
|---|---|---|---|
| House | $3,115 | $3,115 | - |
| Unit | $2,585 | $2,585 | - |
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 — Guerilla Bay vs Mossy Point (2026-27)
What the numbers show
Mossy Point 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 Mossy Point.
The biggest single gap is home insurance at $400 per year. Guerilla Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,485 from Guerilla Bay versus $8,085 from Mossy Point.
Where the difference actually comes from
- Council rates is identical at $1,285 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Mossy Point 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 the insurance band.
Fire risk is rated high in Guerilla Bay against medium in Mossy Point, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Guerilla Bay cumulative | Mossy Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,285 | $23,885 | $400 |
| Year 3 | $75,063 | $73,826 | $1,237 |
| Year 5 | $128,932 | $126,809 | $2,123 |
| Year 10 | $278,400 | $273,815 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Guerilla Bay or Mossy Point cheaper to live in?
Mossy Point is cheaper to run by car at $23,885 per year versus $24,285 for Guerilla Bay, a difference of $400 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Guerilla Bay and Mossy Point?
Annual council rates for a house are $1,285 in Guerilla Bay (Eurobodalla rates (OLG) and $1,285 in Mossy Point (Eurobodalla rates (OLG). Water and sewerage adds $1,300 in Guerilla Bay and $1,300 in Mossy Point. 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 Guerilla Bay and Mossy Point?
Guerilla Bay 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. Mossy Point 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. Public transport costs $2,400 from Guerilla Bay and $2,400 from Mossy Point.
What is the 10-year cost difference between Guerilla Bay and Mossy Point?
At 3% annual cost growth, Guerilla Bay costs a cumulative $278,400 and Mossy Point costs $273,815 over 10 years by car. The cumulative difference is $4,585 in favour of Mossy Point. Excludes purchase price, mortgage, and personal expenses.
Which of Guerilla Bay and Mossy Point 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.
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Sources: Eurobodalla rates (OLG and Eurobodalla 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.