True annual cost of living in North Gosford, NSW 2250
Living in a house in North Gosford costs about $11,724 a year: council rates, water and sewerage, commute and home insurance combined. North Gosford sits 51.9 kilometres from Sydney CBD. Unit costs reach $11,824, with the $2,100 body corporate levy accounting for the entire difference between the two. At 51.9km, the commute dominates running costs. Drivers pay $3,970 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 · 51.9km from CBD · 192 days
$6,370
Home insurance
Estimated · flood Medium · fire Medium
$2,600
Body corporate
Estimated
$2,100
Total annual running cost
$11,724
($977/month)
↑ 8% above Central Coast average
SuburbCost affordability score ●●○○○4.8/10 Poor
Cheaper to run than 42% 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 North Gosford'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 North Gosford
within a 2 km walk
Nearest stop
Gosford, 1,070 m away, about a 13 minute walk. It is a train stop.
Nearest hospital
North Gosford Private Hospital, 156 m away, about a 2 minute walk.
Supermarkets
4
Cafes
15
Parks
21
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 North Gosford to the CBD?
Public transport saves North Gosford residents $3,970 per year. Annual commute cost by car is $6,370 versus $2,400 by public transport using the Opal network.
What are the council rates in North Gosford?
North Gosford 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 North Gosford?
Running a unit in North Gosford costs approximately $11,824 per year by car or $7,854 by public transport. This includes council rates of $1,454, water and sewerage $1,300, estimated body corporate levy of $2,100, and contents insurance of $600. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is North Gosford close to public transport?
The nearest scheduled service to the centre of North Gosford is Gosford, a train stop about 1,070 m away, about a 13 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 North Gosford?
The closest hospital to the centre of North Gosford is North Gosford Private Hospital, about 156 m away, about a 2 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 North Gosford?
Within a 2 km walk of the centre of North Gosford there are 4 supermarkets, 15 cafes and 21 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.