True annual cost of living in Lake Munmorah, NSW 2259
Living in a house in Lake Munmorah costs about $9,440 a year: council rates, water and sewerage, commute and home insurance combined. Lake Munmorah sits 82.1 kilometres from Sydney CBD. Unit costs come in at $8,850, as lower council rates more than offset the $1,800 body corporate levy. At 82.1km, the commute dominates running costs. Drivers pay $1,186 more per year than public transport users.
Central Coast rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,454
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
ATO 91c/km · 82.1km from CBD · 192 days
$3,586
Home insurance
Estimated · flood High · fire Medium
$3,100
Body corporate
Estimated
$1,800
Total annual running cost
$9,440
($787/month)
↓ 13% below Central Coast average
SuburbCost affordability score ●●●○○5.5/10 Average
Cheaper to run than 73% of Central Coast suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Lake Munmorah'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 Lake Munmorah
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
1
Cafes
1
Parks
8
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.
Is it cheaper to drive or take public transport from Lake Munmorah to the CBD?
Public transport saves Lake Munmorah residents $1,186 per year. Annual commute cost by car is $3,586 versus $2,400 by public transport using the Opal network.
What are the council rates in Lake Munmorah?
Lake Munmorah falls under Central Coast Council. The average residential rate for 2026-27 is $1,454 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 $1,454 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Lake Munmorah?
Running a unit in Lake Munmorah costs approximately $8,850 per year by car or $7,664 by public transport. This includes council rates of $1,454, water and sewerage $1,300, estimated body corporate levy of $1,800, and contents insurance of $710. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Lake Munmorah close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Lake Munmorah. 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 Lake Munmorah?
Within a 2 km walk of the centre of Lake Munmorah there is 1 supermarket, 1 cafe and 8 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: Central 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.