Living in a house in Undera costs about $10,492 a year: council rates, water and sewerage, commute and home insurance combined. Undera sits 22.9 kilometres from Shepparton CBD. Unit costs reach $10,942, with the $1,800 owners corporation levy accounting for the entire difference between the two. The commute is costed by car to Shepparton, at $5,712 a year, because no daily public transport commute is assumed here.
About $202 a week to run a house here, including estimates
Unit annual cost
$10,942
Incl. owners corporation
$912/month
About $210 a week to run a unit here, including estimates
House vs unit difference
+$450
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Greater Shepparton rates
$1,937
Water & sewerage
Official, 2026-27 Goulburn Valley Water
$993
Driving commute
Modelled, 2026-27 ATO 91c/km · 22.9km from Shepparton CBD · 192 days
$5,712
Home insurance
Estimated flood High · fire Medium
$1,850
Owners corporation
Estimated
$1,800
Total annual running cost
$10,492
($874/month, $202/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).
↑ 23% above Greater Shepparton Council average
SuburbCost affordability score ●●○○○3.9/10 Poor
Cheaper to run than 42% of Greater Shepparton Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,250/yr
6,186 kWh
Unit
$1,813/yr
4,640 kWh
Estimated from AER residential benchmarks for Undera'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.
Compare Undera with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about Undera
Is it cheaper to drive or take public transport from Undera to Shepparton CBD?
Public transport options are limited in Undera; driving is the practical commute at $5,712 per year.
What are the council rates in Undera?
Undera falls under Greater Shepparton Council. The average residential rate for 2026-27 is $1,937 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 Undera?
Running a unit in Undera costs approximately $10,942 per year by car or $10,942 by public transport. This includes council rates of $1,937, water and sewerage $993, estimated owners corporation levy of $1,800, and contents insurance of $500. Owners corporation fees vary significantly between buildings. Always confirm the actual levy before purchasing.
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Annual cost breakdown
10-year cost projection
School scores & catchments
Flood & fire risk ratings
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Data sources: Council rates: Greater Shepparton rates (2026-27 budget). Water: Goulburn Valley 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.