True annual cost of living in Moonee Beach, NSW 2450
Living in a house in Moonee Beach costs about $9,504 a year: council rates, water and sewerage, commute and home insurance combined. Moonee Beach sits 12.0 kilometres from Coffs Harbour CBD. Unit costs come in at $8,664, as lower council rates more than offset the $1,500 body corporate levy. The commute is costed by car to Coffs Harbour, at $3,564 a year, because no daily public transport commute is assumed here.
About $183 a week to run a house here, including estimates
Lower cost
Unit annual cost
$8,664
Incl. body corporate
$722/month
About $167 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 Coffs Harbour rates
$1,490
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 ATO 91c/km · 12.0km from Coffs Harbour CBD · 192 days
$3,564
Home insurance
Estimated flood High · fire High
$3,150
Body corporate
Estimated
$1,500
Total annual running cost
$9,504
($792/month, $183/week)
Excludes electricity, estimated separately below.
Near Coffs Harbour average
SuburbCost affordability score ●●●○○6.1/10 Average
Cheaper to run than 83% of Coffs Harbour suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,774/yr
5,086 kWh
Unit
$2,329/yr
3,815 kWh
Estimated from AER residential benchmarks for Moonee Beach'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 Moonee Beach
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
2
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.
Is it cheaper to drive or take public transport from Moonee Beach to Coffs Harbour CBD?
Public transport options are limited in Moonee Beach; driving is the practical commute at $3,564 per year.
What are the council rates in Moonee Beach?
Moonee Beach falls under Coffs Harbour Council. The average residential rate for 2026-27 is $1,490 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 $1,490 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Moonee Beach?
Running a unit in Moonee Beach costs approximately $8,664 per year by car or $8,664 by public transport. This includes council rates of $1,490, 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 Moonee Beach close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Moonee Beach. 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 Moonee Beach?
Within a 2 km walk of the centre of Moonee Beach there are 2 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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Annual cost breakdown
10-year cost projection
School scores & catchments
Flood & fire risk ratings
Crime risk ratings
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Data sources: Council rates: Coffs Harbour 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.