True annual cost of living in Crowdy Bay, NSW 2443
Living in a house in Crowdy Bay costs about $13,045 a year: council rates, water and sewerage, commute and home insurance combined. Crowdy Bay sits 39.2 kilometres from Port Macquarie CBD. Unit costs come in at $12,205, as lower council rates more than offset the $1,500 body corporate levy. The commute is costed by car to Port Macquarie, at $6,986 a year, because no daily public transport commute is assumed here.
About $251 a week to run a house here, including estimates
Lower cost
Unit annual cost
$12,205
Incl. body corporate
$1,017/month
About $235 a week to run a unit here, including estimates
House vs unit difference
−$840
Unit is cheaper per year
Annual cost breakdown
Council rates
Official, 2026-27 Mid-Coast rates
$1,609
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 ATO 91c/km · 39.2km from Port Macquarie CBD · 192 days
$6,986
Home insurance
Estimated flood High · fire High
$3,150
Body corporate
Estimated
$1,500
Total annual running cost
$13,045
($1,087/month, $251/week)
Excludes electricity, estimated separately below.
↓ 42% below Mid-Coast average
SuburbCost affordability score ●●○○○4.1/10 Poor
Cheaper to run than 57% of Mid-Coast suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,827/yr
5,238 kWh
Unit
$2,369/yr
3,929 kWh
Estimated from AER residential benchmarks for Crowdy Bay'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 Crowdy Bay
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 2026-11-03. 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.
Compare Crowdy Bay with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about Crowdy Bay
Is it cheaper to drive or take public transport from Crowdy Bay to Port Macquarie CBD?
Public transport options are limited in Crowdy Bay; driving is the practical commute at $6,986 per year.
What are the council rates in Crowdy Bay?
Crowdy Bay falls under Mid-Coast Council. The average residential rate for 2026-27 is $1,609 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 $1,609 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Crowdy Bay?
Running a unit in Crowdy Bay costs approximately $12,205 per year by car or $12,205 by public transport. This includes council rates of $1,609, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $810. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Crowdy Bay close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Crowdy Bay. 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 Crowdy Bay?
Within a 2 km walk of the centre of Crowdy Bay 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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School scores & catchments
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Data sources: Council rates: Mid-Coast rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. 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.