True annual cost of living in Phegans Bay, NSW 2256
Living in a house in Phegans Bay costs about $13,351 a year: council rates, water and sewerage, commute and home insurance combined. Phegans Bay sits 43.1 kilometres from Sydney CBD. Unit costs come in at $12,641, as lower council rates more than offset the $2,100 body corporate levy. At 43.1km, the commute dominates running costs. Drivers pay $4,547 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 · 43.1km from CBD · 192 days
$6,947
Home insurance
Estimated · flood High · fire High
$3,650
Body corporate
Estimated
$2,100
Total annual running cost
$13,351
($1,113/month)
↑ 23% above Central Coast average
SuburbCost affordability score ●○○○○2.2/10 Poor
Cheaper to run than 4% 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 Phegans Bay'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 Phegans Bay
within a 2 km walk
Nearest stop
Woy Woy, 1,501 m away, about a 19 minute walk. It is a train stop.
Nearest hospital
Brisbane Waters Private Hospital, 1,405 m away, about an 18 minute walk.
Supermarkets
2
Cafes
5
Parks
12
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 Phegans Bay to the CBD?
Public transport saves Phegans Bay residents $4,547 per year. Annual commute cost by car is $6,947 versus $2,400 by public transport using the Opal network.
What are the council rates in Phegans Bay?
Phegans Bay 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 Phegans Bay?
Running a unit in Phegans Bay costs approximately $12,641 per year by car or $8,094 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 $840. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Phegans Bay close to public transport?
The nearest scheduled service to the centre of Phegans Bay is Woy Woy, a train stop about 1,501 m away, about a 19 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 Phegans Bay?
The closest hospital to the centre of Phegans Bay is Brisbane Waters Private Hospital, about 1,405 m away, about an 18 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 Phegans Bay?
Within a 2 km walk of the centre of Phegans Bay there are 2 supermarkets, 5 cafes and 12 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.