True annual cost of living in Fish Creek, VIC 3959
Living in a house in Fish Creek costs about $8,855 a year: council rates, water and sewerage, commute and home insurance combined. Fish Creek sits 71.7 kilometres from Traralgon CBD. Unit costs reach $9,125, with the $1,800 owners corporation levy accounting for the entire difference between the two. The commute is costed by car to Traralgon, at $3,133 a year, because no daily public transport commute is assumed here.
About $170 a week to run a house here, including estimates
Unit annual cost
$9,125
Incl. owners corporation
$760/month
About $175 a week to run a unit here, including estimates
House vs unit difference
+$270
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 South Gippsland rates
$2,104
Water & sewerage
Official, 2026-27 South Gippsland Water
$1,768
Driving commute
Modelled, 2026-27 ATO 91c/km · 71.7km from Traralgon CBD · 192 days
$3,133
Home insurance
Estimated flood Low · fire Medium
$1,850
Owners corporation
Estimated
$1,800
Total annual running cost
$8,855
($738/month, $170/week)
Excludes electricity, estimated separately below. Also excludes the state Emergency Services and Volunteers Fund levy on your rates notice: $139 a year plus 17.3 cents per $1,000 of your home's capital improved value (2026-27).
↓ 15% below South Gippsland Shire Council average
SuburbCost affordability score ●●●○○6.6/10 Good
Cheaper to run than 69% of South Gippsland Shire Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,016/yr
4,840 kWh
Unit
$1,629/yr
3,630 kWh
Estimated from AER residential benchmarks for Fish Creek'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.
Compare Fish Creek with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about Fish Creek
Is it cheaper to drive or take public transport from Fish Creek to Traralgon CBD?
Public transport options are limited in Fish Creek; driving is the practical commute at $3,133 per year.
What are the council rates in Fish Creek?
Fish Creek falls under South Gippsland Shire Council. The average residential rate for 2026-27 is $2,104 per year, from the council's budget: residential rate revenue divided by the number of residential assessments, plus the council's municipal charge where it sets one. Victorian councils rate on capital improved value, so individual properties pay more or less than the average. The figure excludes waste charges and the state Emergency Services and Volunteers Fund levy.
What does it cost to run a unit in Fish Creek?
Running a unit in Fish Creek costs approximately $9,125 per year by car or $9,125 by public transport. This includes council rates of $2,104, water and sewerage $1,768, estimated owners corporation levy of $1,800, and contents insurance of $320. Owners corporation fees vary significantly between buildings. Always confirm the actual levy before purchasing.
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Data sources: Council rates: South Gippsland rates (2026-27 budget). Water: South Gippsland 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: Flood: Victorian planning scheme flood overlays (FO, LSIO, SBO). Fire: Bushfire Management Overlay and Bushfire Prone Area. Data last verified November 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.