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Cost of Living in Coffs Harbour

Coffs Harbour, New South Wales, Australia · Population 27,089

▼ -16% vs Australia average

Single person, monthly (incl. rent)$1,475 ($971)
Couple, monthly$2,691 ($1,770)
Family of four, monthly$3,550 ($2,335)

Estimated Prices in Coffs Harbour

ExpenseEstimated costBasis
Meal at an inexpensive restaurant$13.34 ($8.78)per meal
Three-course meal for two, mid-range$53.35 ($35.10)per meal
Cappuccino$4.00 ($2.63)each
Monthly groceries (single person)$302 ($199)per month
Monthly public transport pass$48.91 ($32.18)per month
Basic utilities for an 85m² apartment$129 ($84.83)per month
Internet (60 Mbps, unlimited)$37.35 ($24.57)per month
Fitness club membership$37.35 ($24.57)per month
Cinema ticket$9.78 ($6.44)each
One-bedroom apartment in city centre$843 ($554)per month
One-bedroom apartment outside centre$586 ($386)per month
Three-bedroom apartment in city centre$1,759 ($1,157)per month

Salary & Budget Planning

The estimated average net salary in Coffs Harbour is $4,651 ($3,060) per month. To live comfortably — covering the full single-person budget of $1,475 ($971) with about 30% left over for savings — you would need a net income of roughly $1,918 ($1,262) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre ($586 ($386)) represents about 40% of the total single-person budget.

Compare Coffs Harbour

Coffs Harbour vs SydneyCoffs Harbour vs MelbourneCoffs Harbour vs BrisbaneCoffs Harbour vs PerthCoffs Harbour vs AdelaideCoffs Harbour vs Gold Coast

Nearby Cities

Grafton

71 km away · New South Wales

Kempsey

91 km away · New South Wales

Yamba

99 km away · New South Wales

Port Macquarie

127 km away · New South Wales

Armidale

141 km away · New South Wales

Casino

160 km away · New South Wales

Goonellabah

166 km away · New South Wales

Lismore

167 km away · New South Wales

Other Major Cities in Australia

Sydney

New South Wales · pop. 5,450,496

$2,213 ($1,456) / mo

Melbourne

Victoria · pop. 5,350,705

$2,175 ($1,431) / mo

Brisbane

Queensland · pop. 2,706,966

$1,914 ($1,259) / mo

Perth

Western Australia · pop. 2,141,834

$1,914 ($1,259) / mo

Adelaide

South Australia · pop. 1,387,290

$1,914 ($1,259) / mo

Gold Coast

Queensland · pop. 607,665

$1,767 ($1,162) / mo

Canberra

Australian Capital Territory · pop. 381,488

$1,767 ($1,162) / mo

Central Coast

New South Wales · pop. 325,255

$1,767 ($1,162) / mo

Living in Coffs Harbour

Coffs Harbour is one of the key cities in Australia. The estimated monthly cost of living for a single person is $1,475 ($971), placing it below the national average. Housing represents the largest expense, with a one-bedroom apartment outside the city centre costing around $586 ($386) per month.

For families, the estimated budget rises to $3,550 ($2,335) per month, driven mainly by larger housing needs and increased food and transport spending. Couples can expect to spend approximately $2,691 ($1,770) monthly.

The average estimated net salary in Coffs Harbour is $4,651 ($3,060). To maintain a comfortable lifestyle with room for savings, a single person typically needs a net income of at least $1,918 ($1,262) per month.

Frequently Asked Questions

Is Coffs Harbour expensive to live in?
A single person needs an estimated $1,475 ($971) per month in Coffs Harbour including rent outside the city centre. That is 16% less than the national average for Australia.
What salary do you need to live comfortably in Coffs Harbour?
A net salary of around $1,918 ($1,262) per month lets a single person cover all estimated expenses in Coffs Harbour with roughly 30% left for savings. The estimated average net salary in Coffs Harbour is $4,651 ($3,060).
How much is rent in Coffs Harbour?
A one-bedroom apartment costs an estimated $843 ($554) per month in the city centre and $586 ($386) outside the centre. A three-bedroom in the centre runs about $1,759 ($1,157).
Is Coffs Harbour cheaper than Australia on average?
Yes — Coffs Harbour is estimated to be about 16% cheaper than the Australia average, making it a relatively affordable option in the country.
What is the cost of groceries in Coffs Harbour?
Monthly groceries for one person are estimated at $302 ($199) in Coffs Harbour. A meal at an inexpensive restaurant costs about $13 ($9) and a cappuccino runs around $4 ($3).
How do transport costs in Coffs Harbour compare?
A monthly public transport pass in Coffs Harbour is estimated at $49 ($32). Transport makes up a small share of the total budget compared to housing and food.
Figures for Coffs Harbour are estimates based on Australia national averages adjusted for city size (population 27,089). Last model update: July 2026. How we calculate.