Longreach vs Mundamia: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Longreach and Mundamia are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Mundamia runs $1,100 a year cheaper than Longreach, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $12,610.
Over 10 years, Mundamia costs about $12,600 less to run than Longreach — the same as paying $12,600 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Longreach
Mundamia
Annual cost breakdown
| Category | Longreach | Mundamia | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $2,400 | +$1,100 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $24,547 | $23,447 | +$1,100 |
| Total (public transport) | $8,747 | $7,647 | +$1,100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Longreach | Mundamia | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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 — Longreach vs Mundamia (2026-27)
What the numbers show
Mundamia costs $1,100 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $12,610 in favour of Mundamia.
The biggest single gap is home insurance at $1,100 per year. Longreach carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $8,747 from Longreach versus $7,647 from Mundamia.
Where the difference actually comes from
- Council rates is identical at $1,547 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Mundamia by $1,100 a year, $2,400 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.
Flood risk is rated high in Longreach against low in Mundamia, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Longreach cumulative | Mundamia cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,547 | $23,447 | $1,100 |
| Year 3 | $75,872 | $72,472 | $3,400 |
| Year 5 | $130,323 | $124,483 | $5,840 |
| Year 10 | $281,404 | $268,794 | $12,610 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Longreach or Mundamia cheaper to live in?
Mundamia is cheaper to run by car at $23,447 per year versus $24,547 for Longreach, a difference of $1,100 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Longreach and Mundamia?
Annual council rates for a house are $1,547 in Longreach (Shoalhaven rates (OLG) and $1,547 in Mundamia (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Longreach and $1,300 in Mundamia. 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 Longreach and Mundamia?
Longreach 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. Mundamia 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 Longreach and $2,400 from Mundamia.
What is the 10-year cost difference between Longreach and Mundamia?
At 3% annual cost growth, Longreach costs a cumulative $281,404 and Mundamia costs $268,794 over 10 years by car. The cumulative difference is $12,610 in favour of Mundamia. Excludes purchase price, mortgage, and personal expenses.
Which of Longreach and Mundamia 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: Shoalhaven rates (OLG and Shoalhaven 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.