Long Beach vs Surfside, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Long Beach and Surfside are both Eurobodalla rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Surfside runs $300 a year cheaper than Long Beach, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
Over 10 years the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
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Surfside
Annual cost breakdown
| Category | Long Beach | Surfside | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,285 | $1,285 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,650 | $2,350 | +$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,435 | $23,135 | +$300 |
| Total (public transport) | $23,435 | $23,135 | +$300 |
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 | Long Beach | Surfside | 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, Long Beach vs Surfside (2026-27)
What the numbers show
Long Beach and Surfside differ by $300 a year by car, but $300 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 $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year. Long Beach carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $23,435 from Long Beach versus $23,135 from Surfside.
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 Surfside by $300 a year, $2,350 against $2,650.
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 Long Beach against medium in Surfside, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Long Beach cumulative | Surfside cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,435 | $23,135 | $300 |
| Year 3 | $72,435 | $71,508 | $927 |
| Year 5 | $124,420 | $122,827 | $1,593 |
| Year 10 | $268,656 | $265,217 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Long Beach or Surfside cheaper to live in?
Neither is named cheaper. Long Beach runs $23,435 a year by car and Surfside $23,135, but most of the $300 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Long Beach and Surfside?
Annual council rates for a house are $1,285 in Long Beach (Eurobodalla rates (OLG) and $1,285 in Surfside (Eurobodalla rates (OLG). Water and sewerage adds $1,300 in Long Beach and $1,300 in Surfside. 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 Long Beach and Surfside?
Long Beach 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. Surfside 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. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Long Beach and Surfside?
At 3% annual cost growth, Long Beach costs a cumulative $268,656 and Surfside costs $265,217 over 10 years by car. The cumulative difference is $3,439 in favour of Surfside. Excludes purchase price, mortgage, and personal expenses.
Which of Long Beach and Surfside suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.