True annual cost of living in Gloucester, NSW 2422
Living in a house in Gloucester costs about $23,109 a year: council rates, water and sewerage, commute and home insurance combined. Gloucester sits more than 100 kilometres from Sydney CBD. Unit costs come in at $23,069, 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.
Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated · flood Low · fire Medium
$2,000
Body corporate
Estimated
$1,500
Total annual running cost
$23,109
($1,926/month)
Near Mid-Coast average
SuburbCost affordability score ●●●●○7.4/10 Good
Cheaper to run than 92% 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 Gloucester'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 Gloucester
within a 2 km walk
Nearest stop
Gloucester, 921 m away, about a 12 minute walk. It is a train stop.
Nearest hospital
Gloucester Soldiers Memorial Hospital, 490 m away, about a 6 minute walk.
Supermarkets
2
Cafes
6
Parks
9
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 Gloucester with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about Gloucester
How is driving costed for Gloucester?
Gloucester 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 Gloucester?
Gloucester 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 Gloucester?
Running a unit in Gloucester costs approximately $23,069 per year by car or $7,269 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 $460. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Gloucester close to public transport?
The nearest scheduled service to the centre of Gloucester is Gloucester, a train stop about 921 m away, about a 12 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 Gloucester?
The closest hospital to the centre of Gloucester is Gloucester Soldiers Memorial Hospital, about 490 m away, about a 6 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 Gloucester?
Within a 2 km walk of the centre of Gloucester there are 2 supermarkets, 6 cafes and 9 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: 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: 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.