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52.6 km from CBD
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True annual cost of living in Coledale, NSW 2515

Living in a house in Coledale costs about $12,663 a year: council rates, water and sewerage, commute and home insurance combined. Coledale sits 52.6 kilometres from Sydney CBD. Unit costs come in at $12,453, as lower council rates more than offset the $2,100 body corporate levy. At 52.6km, the commute dominates running costs. Drivers pay $3,896 more per year than public transport users.

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

3 key insights

Costs 23% more to run than the Wollongong average, cheaper than only 17% of suburbs in the region.
The commute is the biggest expense at $6,296, roughly 50% 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
$12,663
Driving · per year
$1,055/month
Lower cost
Unit annual cost
$12,453
Incl. body corporate
$1,038/month
House vs unit difference
−$210
Unit is cheaper per year

Annual cost breakdown

Council rates
Wollongong rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,819
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 52.6km from CBD · 192 days
$6,296
Home insurance
Estimated · flood Medium · fire High
$3,000
Total annual running cost
$12,663
($1,055/month)
↑ 23% above Wollongong average
SuburbCost affordability score ●●○○○ 3.5/10 Poor
Cheaper to run than 17% of Wollongong suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,442/yr
5,238 kWh
Unit
$2,001/yr
3,929 kWh
Estimated from AER residential benchmarks for Coledale'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 Coledale

within a 2 km walk
Nearest stop
Coledale, 315 m away, about a 4 minute walk. It is a train stop.
Nearest hospital
Coledale Hospital, 811 m away, about a 10 minute walk.
Supermarkets
0
Cafes
3
Parks
10
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 Coledale with another suburb

Frequently asked questions about Coledale

Is it cheaper to drive or take public transport from Coledale to the CBD?

Public transport saves Coledale residents $3,896 per year. Annual commute cost by car is $6,296 versus $2,400 by public transport using the Opal network.

What are the council rates in Coledale?

Coledale falls under Wollongong Council. The average residential rate for 2026-27 is $1,819 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 $1,819 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Coledale?

Running a unit in Coledale costs approximately $12,453 per year by car or $8,557 by public transport. This includes council rates of $1,819, 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 Coledale close to public transport?

The nearest scheduled service to the centre of Coledale is Coledale, a train stop about 315 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 is the closest hospital to Coledale?

The closest hospital to the centre of Coledale is Coledale Hospital, about 811 m away, about a 10 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.

What shops and parks are in Coledale?

Within a 2 km walk of the centre of Coledale there are 0 supermarkets, 3 cafes and 10 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: Wollongong rates (OLG 2024-25 + IPART 2026-27 peg). Water: Sydney Water 2026-27. 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.