Cost of Living in Lake Macquarie - Updated Prices & Insights

Name: Lake Macquarie
Address: Lake Macquarie, AU

Solo nomad: Estimated monthly costs are $782 (excluding rent), and $2,015 including rent.

Family of 3: Estimated monthly costs are $2,119 (excluding rent), and $4,486 including rent.

Meal at Budget Restaurant

$13.04 A$19.92

$11.08 A$16.94

$32.59 A$49.8

Three-Course Dinner for Two, Mid-Range

$78.4 A$120

$52.3 A$79.9

$124 A$190

Fast Food Meal (McDonalds, etc)

$9.97 A$15.24

$9.31 A$14.22

$11.97 A$18.28

Cappuccino

$3.27 A$5

$2.53 A$3.87

$5.06 A$7.74

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.31 A$3.53

$1.7 A$2.6

$3.22 A$4.92

Water (0.33 liter bottle)

$1.9 A$2.9

$1.26 A$1.93

$3.03 A$4.64

Local Beer (0.5 liter draught)

$6.39 A$9.76

$4.47 A$6.83

$8.95 A$13.68

Imported Beer (0.33 liter bottle)

$7.27 A$11.11

$5.29 A$8.08

$9.93 A$15.17

Milk (1 liter)

$1.42 A$2.18

$0.99 A$1.51

$2.5 A$3.81

White Bread (500g)

$1.38 A$2.12

$1.35 A$2.07

$3.83 A$5.85

Rice (white) (1kg)

$1.24 A$1.89

$0.94 A$1.43

$4.02 A$6.14

Eggs

$3.21 A$4.91

$2.98 A$4.55

$6.22 A$9.51

Local Cheese (1kg)

$7.16 A$10.94

$4.41 A$6.75

$15.78 A$24.11

Chicken Fillets (1kg)

$6.15 A$9.4

$4.47 A$6.83

$11.5 A$17.58

Beef Round Steak (1kg)

$11.64 A$17.79

$8.08 A$12.35

$25.86 A$39.51

Apples (1kg)

$2.95 A$4.51

$2.23 A$3.4

$3.81 A$5.82

Banana (1kg)

$2.75 A$4.2

$1.98 A$3.02

$5.34 A$8.16

Oranges (1kg)

$3.11 A$4.75

$1.64 A$2.5

$6.46 A$9.88

Tomato (1kg)

$4.29 A$6.56

$2.54 A$3.89

$10.06 A$15.37

Potato (1kg)

$2.01 A$3.07

$1.49 A$2.27

$3.31 A$5.06

Onion (1kg)

$1.68 A$2.57

$1.28 A$1.95

$3.2 A$4.89

Lettuce (1 head)

$1.41 A$2.16

$1 A$1.52

$2.98 A$4.55

Water (1.5 liter bottle)

$1.19 A$1.82

$0.53 A$0.82

$2.67 A$4.08

Cigarettes 20 Pack (Marlboro, Camel)

$28.55 A$43.63

$18.52 A$28.31

$39.69 A$60.7

Wine (Bottle)

$7.02 A$10.73

$6.42 A$9.81

$19.24 A$29.4

Local Beer (0.5 liter bottle)

$2.56 A$3.92

$2.18 A$3.33

$7.66 A$11.71

Imported Beer (0.33 liter bottle)

$2.19 A$3.35

$9.82 A$15

One-way Ticket (Public Transport)

$2.06 A$3.15

$1.64 A$2.5

$2.47 A$3.78

Public Transport Monthly Pass (Regular Price)

$88.3 A$135

$44.93 A$68.7

$132 A$201

Taxi Start (Normal Tariff)

$1.89 A$2.89

$6.4 A$9.78

Taxi (Normal Tariff) (1km)

$1.54 A$2.36

$1.39 A$2.12

$1.82 A$2.78

Taxi 1hour Waiting (Normal Tariff)

$46.27 A$70.7

$38.55 A$58.9

$64.3 A$98.2

Gasoline (1 liter)

$1.19 A$1.82

$1.04 A$1.59

$1.4 A$2.14

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$25K A$38.2K

$24.2K A$36.9K

$29K A$44.3K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$20.7K A$31.6K

$17.7K A$27K

$25.5K A$39K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$202 A$309

$121 A$185

$568 A$868

SIM Card Monthly Plan (Calls and 10GB+ Data)

$10.54 A$16.11

$49.4 A$75.5

Internet (50+ Mbps, Unlimited Data)

$42.63 A$65.2

$39.33 A$60.1

$65.7 A$100

Gym Membership (Monthly)

$48.11 A$73.5

$19.25 A$29.41

$57.8 A$88.2

Tennis Court (1 Hour on Weekend)

$15.57 A$23.79

$7.74 A$11.83

$15.57 A$23.79

Cinema Ticket

$9.3 A$14.21

$8.81 A$13.46

$19.57 A$29.91

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,446 A$2,210

$1,385 A$2,116

$3,220 A$4,920

International Primary School, 1 Child (Yearly)

$10K A$15.3K

$2,498 A$3,818

$29.3K A$44.8K

Jeans (Levis 501 Or Similar)

$73.1 A$112

$44.87 A$68.6

$96.2 A$147

Summer Dress (H&M, Zara, etc)

$34.49 A$52.7

$23.21 A$35.47

$99.5 A$152

Sport Shoes (Adidas, Nike)

$77.6 A$119

$65 A$99.3

$130 A$198

Men's Leather Business Shoes

$134 A$204

$66 A$101

$231 A$353

1-bedroom Apartment, City Center (Monthly)

$1,269 A$1,939

$1,045 A$1,597

$1,339 A$2,046

1-bedroom Apartment, Outside City Center (Monthly)

$986 A$1,507

$966 A$1,477

$1,006 A$1,537

3-bedroom Apartment, City Center (Monthly)

$2,035 A$3,110

$1,642 A$2,508

$2,495 A$3,813

3-bedroom Apartment, Outside City Center (Monthly)

$2,055 A$3,140

$1,586 A$2,423

$2,524 A$3,857

Buy Apartment in City Center (m2)

$5,253 A$8,027

$3,441 A$5,258

$5,843 A$8,928

Buy Apartment Outside City Center (m2)

$3,968 A$6,063

$2,271 A$3,470

$3,974 A$6,072

Average Monthly Net Salary (After Tax)

$4,691 A$7,168

20-Year Fixed Mortgage Interest Rate (Annual %)

4.35

Citycost data is based on AI and user input – minor inaccuracies may occur.

Last update: November 24, 2025

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Cost of Living in Lake Macquarie - Frequently Asked Questions

Lake Macquarie offers a balance between space, access to nature, and practical services, making it a value-friendly choice for travelers, expats, and digital nomads who want a slower pace without losing connection to larger job centers. You will find a mix of affordable stays, reasonable rents for regional Australia, and a broad range of amenities within a short drive. In general, Cost of Living in Lake Macquarie, Australia tends to be lower than inner-city capital suburbs while still providing good healthcare, schooling options, and reliable internet in most towns. Tip: Scout multiple towns around the lake to compare daily costs and commute options.

Daily life revolves around lake access, town centers, and a relaxed rhythm. For housing, expect a mix of single-family rentals near the water and more affordable units a short drive inland; use local property portals and visit open-for-ins to test daylight and noise. Grocery trips can be anchored by larger supermarkets or local farmers markets, and dining options range from casual cafes to seafood spots by the shore. Transport is practical with car reliance common; some towns connect by bus to Newcastle, and cycling is feasible in many areas. Co-working spaces exist in several towns, with coffee shops serving as pop-up work hubs. Lake Macquarie, Australia living cost helps you gauge lifestyle heft when choosing a suburb. Tip: Remember seasonal tourism can affect parking and crowd levels.

Quality of life in Lake Macquarie rewards outdoor activity, a calmer pace, and a sense of community. Build a simple budgeting framework that separates fixed costs (rent, utilities) from flexible ones (eating out, entertainment). Prioritize neighborhoods by access to the water, transit options, and walkability; lakefront towns give leisure and quiet mornings, while town centers offer groceries and services within easy reach. Save by cooking at home, using public pools or free parks, and choosing longer tenancies to lock in steadier rents. Seasonality matters: summers draw crowds to beaches and ferries, while shoulder seasons bring lighter traffic and calmer streets. Tip: test a couple of weekend itineraries to sense the vibe before you commit.