True annual cost of living in Mordialloc, VIC 3195
Living in a house in Mordialloc costs about $11,467 a year: council rates, water and sewerage, commute and home insurance combined. Mordialloc sits 23.7 kilometres from Melbourne CBD. Unit costs reach $11,967, with the $2,300 owners corporation levy accounting for the entire difference between the two. At 23.7km from the CBD, transport mode shifts the annual total by $3,611. The gap widens as commute costs rise.
About $221 a week to run a house here, including estimates
Unit annual cost
$11,967
Incl. owners corporation
$997/month
About $230 a week to run a unit here, including estimates
House vs unit difference
+$500
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Kingston rates
$1,869
Water & sewerage
Official, 2026-27 South East Water
$1,514
Driving commute
Modelled, 2026-27 ATO 91c/km · 23.7km from CBD · 192 days
$5,834
Home insurance
Estimated flood High · fire Low
$2,250
Owners corporation
Estimated
$2,300
Total annual running cost
$11,467
($956/month, $221/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).
Near Kingston City Council average
SuburbCost affordability score ●●○○○3.8/10 Poor
Cheaper to run than 25% of Kingston City Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$1,759/yr
4,840 kWh
Unit
$1,428/yr
3,630 kWh
Estimated from AER residential benchmarks for Mordialloc'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 Mordialloc
within a 2 km walk
Nearest stop
Unnamed, 1,281 m away, about a 16 minute walk. It is a bus stop.
Nearest hospital
Como Private Hospital, 2,442 m away, about a 31 minute walk.
Supermarkets
3
Cafes
25
Parks
30
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 Mordialloc to the CBD?
Public transport saves Mordialloc residents $3,611 per year. Annual commute cost by car is $5,834 versus $2,223 by public transport using a yearly myki Pass at the 2026 standard full fare.
What are the council rates in Mordialloc?
Mordialloc falls under Kingston City Council. The average residential rate for 2026-27 is $1,869 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 Mordialloc?
Running a unit in Mordialloc costs approximately $11,967 per year by car or $8,356 by public transport. This includes council rates of $1,869, water and sewerage $1,514, estimated owners corporation levy of $2,300, and contents insurance of $450. Owners corporation fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Mordialloc close to public transport?
The nearest scheduled service to the centre of Mordialloc is Unnamed, a bus stop about 1,281 m away, about a 16 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 Mordialloc?
The closest hospital to the centre of Mordialloc is Como Private Hospital, about 2,442 m away, about a 31 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 Mordialloc?
Within a 2 km walk of the centre of Mordialloc there are 3 supermarkets, 25 cafes and 30 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: Kingston rates (2026-27 budget). Water: South East 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.