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True annual cost of living in Cadgee, NSW 2545

Living in a house in Cadgee costs about $23,185 a year: council rates, water and sewerage, commute and home insurance combined. Cadgee sits more than 100 kilometres from Sydney CBD. Unit costs come in at $22,835, as lower council rates more than offset the $1,500 body corporate levy. Driving is costed as a flat regional allowance of $18,200, about 20,000km of household driving a year, because a daily CBD commute is not realistic from here.

Last updated July 2026 · Eurobodalla Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Eurobodalla average, cheaper than 100% of suburbs in the region.
The commute is the biggest expense at $18,200, roughly 78% of the annual total.
Bushfire risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$23,185
Driving · per year
$1,932/month
Lower cost
Unit annual cost
$22,835
Incl. body corporate
$1,903/month
House vs unit difference
−$350
Unit is cheaper per year

Annual cost breakdown

Council rates
Eurobodalla rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,285
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated · flood Low · fire High
$2,400
Total annual running cost
$23,185
($1,932/month)
Near Eurobodalla average
SuburbCost affordability score ●●●○○ 6.6/10 Good
Cheaper to run than 100% of Eurobodalla suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$3,115/yr
6,060 kWh
Unit
$2,585/yr
4,545 kWh
Estimated from AER residential benchmarks for Cadgee's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.

Getting around Cadgee

within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.

Compare Cadgee with another suburb

Frequently asked questions about Cadgee

How is driving costed for Cadgee?

Cadgee is more than 100 kilometres from Sydney CBD, so a daily commute is not assumed. Driving is costed as a flat regional allowance of $18,200 a year, about 20,000km of household driving at the ATO rate of 91c/km. Add your own workplace in the free report to cost the real drive.

What are the council rates in Cadgee?

Cadgee falls under Eurobodalla Council. The average residential rate for 2026-27 is $1,285 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,285 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Cadgee?

Running a unit in Cadgee costs approximately $22,835 per year by car or $7,035 by public transport. This includes council rates of $1,285, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $550. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Cadgee close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Cadgee. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.

What shops and parks are in Cadgee?

Within a 2 km walk of the centre of Cadgee there are 0 supermarkets, 0 cafes and 0 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.

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Data sources: Council rates: Eurobodalla rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data updated 2026-07.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.