Mondayong vs Swanhaven, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Mondayong and Swanhaven are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Mondayong runs $400 a year cheaper than Swanhaven, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
Over 10 years the gap between these two is about $4,600, about $9 a week, and most of it is the AI-estimated insurance line.
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Swanhaven
Annual cost breakdown
| Category | Mondayong | Swanhaven | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,547 | - |
| 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 | $1,850 | $2,250 | -$400 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,897 | $23,297 | -$400 |
| Total (public transport) | $22,897 | $23,297 | -$400 |
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 | Mondayong | Swanhaven | 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, Mondayong vs Swanhaven (2026-27)
What the numbers show
Mondayong and Swanhaven differ by $400 a year by car, but $400 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 $400 per year. Swanhaven carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $22,897 from Mondayong versus $23,297 from Swanhaven.
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 Mondayong by $400 a year, $1,850 against $2,250.
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 Swanhaven against medium in Mondayong, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Mondayong cumulative | Swanhaven cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,897 | $23,297 | $400 |
| Year 3 | $70,772 | $72,009 | $1,237 |
| Year 5 | $121,563 | $123,687 | $2,124 |
| Year 10 | $262,488 | $267,074 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mondayong or Swanhaven cheaper to live in?
Neither is named cheaper. Mondayong runs $22,897 a year by car and Swanhaven $23,297, but most of the $400 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 Mondayong and Swanhaven?
Annual council rates for a house are $1,547 in Mondayong (Shoalhaven rates (OLG) and $1,547 in Swanhaven (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Mondayong and $1,300 in Swanhaven. 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 Mondayong and Swanhaven?
Mondayong 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. Swanhaven 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 Mondayong and Swanhaven?
At 3% annual cost growth, Mondayong costs a cumulative $262,488 and Swanhaven costs $267,074 over 10 years by car. The cumulative difference is $4,586 in favour of Mondayong. Excludes purchase price, mortgage, and personal expenses.
Which of Mondayong and Swanhaven suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.