True annual cost of living in Coasters Retreat, NSW 2108
Living in a house in Coasters Retreat costs about $11,758 a year: council rates, water and sewerage, commute and home insurance combined. Coasters Retreat sits 30.5 kilometres from Sydney CBD. Unit costs reach $12,698, with the $2,100 body corporate levy accounting for the entire difference between the two. At 30.5km, the commute dominates running costs. Drivers pay $4,194 more per year than public transport users.
About $226 a week to run a house here, including estimates
Unit annual cost
$12,698
Incl. body corporate
$1,058/month
About $244 a week to run a unit here, including estimates
House vs unit difference
+$940
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Northern Beaches rates
$1,766
Water & sewerage
Official, 2026-27 Sydney Water
$1,548
Driving commute
Modelled, 2026-27 ATO 91c/km · 30.5km from CBD · 192 days
$6,594
Home insurance
Estimated flood Medium · fire High
$1,850
Body corporate
Estimated
$2,100
Total annual running cost
$11,758
($980/month, $226/week)
Excludes electricity, estimated separately below.
↑ 19% above Northern Beaches average
SuburbCost affordability score ●●●○○5.8/10 Average
Cheaper to run than 62% of Northern Beaches suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Coasters Retreat'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 Coasters Retreat
within a 2 km walk
Nearest stop
Bennets Wharf, 288 m away, about a 4 minute walk. It is a ferry stop.
Supermarkets
0
Cafes
0
Parks
2
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-11-03. 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.
Is it cheaper to drive or take public transport from Coasters Retreat to the CBD?
Public transport saves Coasters Retreat residents $4,194 per year. Annual commute cost by car is $6,594 versus $2,400 by public transport using the Opal network.
What are the council rates in Coasters Retreat?
Coasters Retreat falls under Northern Beaches Council. The average residential rate for 2026-27 is $1,766 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 $1,766 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Coasters Retreat?
Running a unit in Coasters Retreat costs approximately $12,698 per year by car or $8,504 by public transport. This includes council rates of $1,766, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $690. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Coasters Retreat close to public transport?
The nearest scheduled service to the centre of Coasters Retreat is Bennets Wharf, a ferry stop about 288 m away, about a 4 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.
What shops and parks are in Coasters Retreat?
Within a 2 km walk of the centre of Coasters Retreat there are 0 supermarkets, 0 cafes and 2 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
Get a free report on one suburb, or compare up to five. The report is free to you. SuburbCost may receive a referral fee from a mortgage broker if you ask us to introduce you.
Included:
Annual cost breakdown
10-year cost projection
School scores & catchments
Flood & fire risk ratings
Crime risk ratings
AI suburb recommendations
Up to 5 suburbs, side by side
Opening your report…
Your report is opening in a new tab. A copy is on its way to your inbox. If it isn't there within a minute, check your junk folder and mark it ‘Not junk’.
Data sources: Council rates: Northern Beaches rates (OLG 2024-25 + IPART 2026-27 peg). Water: Sydney Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.