True annual cost of living in Umina Beach, NSW 2257
Living in a house in Umina Beach costs about $11,342 a year: council rates, water and sewerage, commute and home insurance combined. Umina Beach sits 39.8 kilometres from Sydney CBD. Unit costs reach $12,442, with the $2,100 body corporate levy accounting for the entire difference between the two. At 39.8km, the commute dominates running costs. Drivers pay $4,588 more per year than public transport users.
About $218 a week to run a house here, including estimates
Unit annual cost
$12,442
Incl. body corporate
$1,037/month
About $239 a week to run a unit here, including estimates
House vs unit difference
+$1,100
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Central Coast rates
$1,454
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 ATO 91c/km · 39.8km from CBD · 192 days
$6,988
Home insurance
Estimated flood Medium · fire Medium
$1,600
Body corporate
Estimated
$2,100
Total annual running cost
$11,342
($945/month, $218/week)
Excludes electricity, estimated separately below.
↑ 16% above Central Coast average
SuburbCost affordability score ●●●○○6.5/10 Good
Cheaper to run than 69% 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 Umina 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 Umina Beach
within a 2 km walk
Nearest stop
Ferry Road Public Wharf Ettalong Beach, 2,365 m away, about a 30 minute walk. It is a ferry stop.
Nearest hospital
Woy Woy Public Hospital, 2,862 m away, about a 36 minute walk.
Supermarkets
4
Cafes
10
Parks
22
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 Umina Beach to the CBD?
Public transport saves Umina Beach residents $4,588 per year. Annual commute cost by car is $6,988 versus $2,400 by public transport using the Opal network.
What are the council rates in Umina Beach?
Umina Beach 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 Umina Beach?
Running a unit in Umina Beach costs approximately $12,442 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 Umina Beach close to public transport?
The nearest scheduled service to the centre of Umina Beach is Ferry Road Public Wharf Ettalong Beach, a ferry stop about 2,365 m away, about a 30 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 Umina Beach?
The closest hospital to the centre of Umina Beach is Woy Woy Public Hospital, about 2,862 m away, about a 36 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 Umina Beach?
Within a 2 km walk of the centre of Umina Beach there are 4 supermarkets, 10 cafes and 22 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: 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.