Mundamia vs West Nowra, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Mundamia and West Nowra are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Mundamia runs $450 a year cheaper than West Nowra, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
Over 10 years the gap between these two is about $5,200, about $10 a week, and most of it is the AI-estimated insurance line.
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West Nowra
Annual cost breakdown
| Category | Mundamia | West Nowra | 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 | $1,550 | $2,000 | -$450 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,597 | $23,047 | -$450 |
| Total (public transport) | $22,597 | $23,047 | -$450 |
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 | Mundamia | West Nowra | 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, Mundamia vs West Nowra (2026-27)
What the numbers show
Mundamia and West Nowra differ by $450 a year by car, but $450 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 $450 per year. West Nowra carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $22,597 from Mundamia versus $23,047 from West Nowra.
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 $450 a year, $1,550 against $2,000.
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 West Nowra against low in Mundamia, which feeds the insurance estimate. Fire risk is rated high in Mundamia against medium in West Nowra, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Mundamia cumulative | West Nowra cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,597 | $23,047 | $450 |
| Year 3 | $69,845 | $71,236 | $1,391 |
| Year 5 | $119,971 | $122,360 | $2,389 |
| Year 10 | $259,049 | $264,208 | $5,159 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mundamia or West Nowra cheaper to live in?
Neither is named cheaper. Mundamia runs $22,597 a year by car and West Nowra $23,047, but most of the $450 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 Mundamia and West Nowra?
Annual council rates for a house are $1,547 in Mundamia (Shoalhaven rates (OLG) and $1,547 in West Nowra (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Mundamia and $1,300 in West Nowra. 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 Mundamia and West Nowra?
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. West Nowra 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 Mundamia and West Nowra?
At 3% annual cost growth, Mundamia costs a cumulative $259,049 and West Nowra costs $264,208 over 10 years by car. The cumulative difference is $5,159 in favour of Mundamia. Excludes purchase price, mortgage, and personal expenses.
Which of Mundamia and West Nowra 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.