Mogareeka vs Nelson: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Mogareeka and Nelson are both Bega Valley rates (OLG suburbs, sitting 333.1 km and 331.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Nelson runs $650 a year cheaper than Mogareeka, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,451.
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 →Mogareeka
Nelson
Annual cost breakdown
| Category | Mogareeka | Nelson | Difference |
|---|---|---|---|
| Council rates | $1,829 | $1,829 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $2,850 | +$650 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $24,229 | $23,579 | +$650 |
| Total (public transport) | $9,029 | $8,379 | +$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Mogareeka | Nelson | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Mogareeka vs Nelson (2026-27)
What the numbers show
Nelson costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,451 in favour of Nelson.
The biggest single gap is home insurance at $650 per year. Mogareeka carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $9,029 from Mogareeka versus $8,379 from Nelson.
10-year cumulative cost projection
| Year | Mogareeka cumulative | Nelson cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,229 | $23,579 | $650 |
| Year 3 | $74,889 | $72,880 | $2,009 |
| Year 5 | $128,635 | $125,184 | $3,451 |
| Year 10 | $277,758 | $270,307 | $7,451 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mogareeka or Nelson cheaper to live in?
Nelson is cheaper to run by car at $23,579 per year versus $24,229 for Mogareeka, a difference of $650 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mogareeka and Nelson?
Annual council rates for a house are $1,829 in Mogareeka (Bega Valley rates (OLG) and $1,829 in Nelson (Bega Valley rates (OLG). Water and sewerage adds $1,300 in Mogareeka and $1,300 in Nelson. 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 Mogareeka and Nelson?
Annual driving commute costs are $17,600 from Mogareeka and $17,600 from Nelson to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Mogareeka and $2,400 from Nelson.
What is the 10-year cost difference between Mogareeka and Nelson?
At 3% annual cost growth, Mogareeka costs a cumulative $277,758 and Nelson costs $270,307 over 10 years by car. The cumulative difference is $7,451 in favour of Nelson. Excludes purchase price, mortgage, and personal expenses.
Which of Mogareeka and Nelson 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: Bega Valley rates (OLG and Bega Valley rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.