Living in a house in Kia Ora costs about $23,109 a year: council rates, water and sewerage, commute and home insurance combined. Kia Ora 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 Kia Ora'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 Kia Ora
within a 2 km walk
Nearest stop
Gloucester, 4,750 m away, about a 59 minute walk. It is a train stop.
Supermarkets
0
Cafes
0
Parks
0
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.
Kia Ora 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 Kia Ora?
Kia Ora 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 Kia Ora?
Running a unit in Kia Ora 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 Kia Ora close to public transport?
The nearest scheduled service to the centre of Kia Ora is Gloucester, a train stop about 4,750 m away, about a 59 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 Kia Ora?
Within a 2 km walk of the centre of Kia Ora 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.
Your report is opening in a new tab. Check your inbox if it doesn't appear within a minute.
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.