Jump to content

You're currently viewing the forum as a Guest
register-now-button_orig.png
and join in with discussions   
ask migration questions
message other members

..and much much more!

sam11480

Bills Bills Bills

Recommended Posts

Hi there

Hope you can help.

I am looking for a run down of monthly living costs in Victoria. I.e Elec, Gas, rent/mortgage-is there an equivalent to council tax that we have in the UK? Anything else I need to budget in?

Does Medicare come out of salary or do you pay it separately?

I am moving to Victoria in next few months and trying to get my head around the monthly outgoings.

Many thanks for any advice!

Sam 

 

 

Share this post


Link to post
Share on other sites

If you rent council tax is included and not a seperate bill you pay.

  • Like 1

Share this post


Link to post
Share on other sites
Posted (edited)

Medicare is funded by your tax. It is 2% of your Taxable Income. There is also a Medicare Levy Surcharge which is an extra charge for high income earners who do not have Private Health Insurance,

The other utilities really depend on size of the property, where you will live, how many in the household etc so hard to generalise about without knowing more details.

Edited by Parley

I want it all, and I want it now.

Share this post


Link to post
Share on other sites

Hi Parley

Thanks for your reply!

We are a family of 4. We will be renting approximately $400 per week-3 bed house. Looking for a Mornington Suburb such as Rosebud. It seems that council tax is included in rent and so aside from gas/elec/groceries/phone/ internet/insurance I wonder if there is anything else I'm not factoring in?

Kindest regards,

Sam 

 

 

Share this post


Link to post
Share on other sites
Posted (edited)

If it helps, comparing my time in the UK a couple of years ago and my life in Melbourne now, I find the cost of living about the same.   Some things are a bit dearer and some things are a bit cheaper, but it balances out - with one exception, which is the cost of housing (buying or renting).   So if you look at what you spend now and adjust it for your rent, you'll be about right.

However if you're looking at the Mornington Peninsula, then you'll need to allow for higher public transport or petrol costs as you're a long way from anywhere. TBH if you don't already have a job lined up, it's risky to settle that far out of town - it's just too far too commute to the north or west of Melbourne, so you're cutting yourself out of half the job market. 

For a young family on a limited budget coming to Victoria, I'd say Geelong would be a much better choice as a place to live and work, if you want to live close to the coast.    A lot of young families are moving inland to Bendigo, but it depends what kind of work you do.

Edited by Marisawright
  • Like 1

Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

Share this post


Link to post
Share on other sites
11 hours ago, Marisawright said:

If it helps, comparing my time in the UK a couple of years ago and my life in Melbourne now, I find the cost of living about the same.   Some things are a bit dearer and some things are a bit cheaper, but it balances out - with one exception, which is the cost of housing (buying or renting).   So if you look at what you spend now and adjust it for your rent, you'll be about right.

However if you're looking at the Mornington Peninsula, then you'll need to allow for higher public transport or petrol costs as you're a long way from anywhere. TBH if you don't already have a job lined up, it's risky to settle that far out of town - it's just too far too commute to the north or west of Melbourne, so you're cutting yourself out of half the job market. 

For a young family on a limited budget coming to Victoria, I'd say Geelong would be a much better choice as a place to live and work, if you want to live close to the coast.    A lot of young families are moving inland to Bendigo, but it depends what kind of work you do.

Hi There Marisa

Its nice to meet you. Thank you for your reply. I hadn’t thought yet about Geelong so will check it out thanks. 

Looking at the distances it seems a suburb like Rosebud to Melbourne and Geelong to Melbourne are similar distances ( approx 75 km). 

Is it just that Geelong is a more direct route? 

 

I’m a teacher with two little ones so looking for the best Primary Schools. 

Thanks, 

Sam 

 

 

Share this post


Link to post
Share on other sites
Posted (edited)
44 minutes ago, sammy11480 said:

Looking at the distances it seems a suburb like Rosebud to Melbourne and Geelong to Melbourne are similar distances ( approx 75 km). 

Is it just that Geelong is a more direct route? 

No, I wouldn't recommend commuting from Geelong to Melbourne, though some people do commute to Western Melbourne from there.

The point is that Geelong is a large city in its own right, and there would be jobs there too.   The advantage of Geelong is that housing is much cheaper, and everything is much closer together, so there's potential to live not too far from the beach and not too far from the city centre and have all the amenities you need.  It's less congested than Melbourne too with a slightly more relaxed pace of life. 

Migrants often overlook the smaller cities in Australia but Geelong has a population of over 250,000 people - it's almost the same size as Newcastle in England.

Edited by Marisawright

Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

Share this post


Link to post
Share on other sites

There are literally hundreds of 3 beds in your budget across the mornington peninsula, so that shouldn't be a problem.

the train line (currently) terminates in Frankston, and the express takes 50minutes into flinders street in rush hour. I live in Langwarrin and it takes me an hour to commute into the CBD roughly.

If i was living further down the bay, i wouldn't go much further than mount martha if i needed to commute. However as a teacher, i assume that this is less of an issue for you as you (in theory) work anywhere!??! - unless you have a work location already lined up?

The only big thing missing from your list appears to be transport costs - Car, bus etc etc, especially as you go further down the bay, transport options become less and therefore more expensive.

plus school fees - even state schools have camp fees, levies etc that can add up

 


IELTS 08/06/13: 9.0. - ACS Assessment: 02/08/13. Result 13/11/13. VIC SS 20/11/13. EOI 20/11/13. VIC SS Resubmitted 20/06/14, Approved 02/07/14. Visa Application (190) 14/07/14. CO assigned, Meds/PCC requested 27/08/14. Granted 24/10/14!! Activated 31/03/15. Arrival 27/08/15.Citizenship Applied 17/04/2019,  Test confirmed 09/07/2019 for 15/12/2019

Share this post


Link to post
Share on other sites
On ‎03‎/‎06‎/‎2019 at 22:52, Marisawright said:

No, I wouldn't recommend commuting from Geelong to Melbourne, though some people do commute to Western Melbourne from there.

The point is that Geelong is a large city in its own right, and there would be jobs there too.   The advantage of Geelong is that housing is much cheaper, and everything is much closer together, so there's potential to live not too far from the beach and not too far from the city centre and have all the amenities you need.  It's less congested than Melbourne too with a slightly more relaxed pace of life. 

Migrants often overlook the smaller cities in Australia but Geelong has a population of over 250,000 people - it's almost the same size as Newcastle in England.

Lots of people commute from Geelong to Melbourne. There are direct train services to the Melbourne CBD from several Geelong suburbs as well as the stations in Geelong itself. It's definitely an easier commute than from the Mornington Peninsula. That said my own preference on relocating included finding a shorter commute than the one I had into London - so I wouldn't necessarily recommend moving to Geelong if you are planning to work in Melbourne. The house prices are definitely much more affordable in the Geelong area however and so for many people that's the deciding factor.


Chartered Accountant (England & Wales); Registered Tax Agent & Fellow of The Tax Institute (Australia)

Share this post


Link to post
Share on other sites
On ‎03‎/‎06‎/‎2019 at 06:16, sam11480 said:

Hi Parley

Thanks for your reply!

We are a family of 4. We will be renting approximately $400 per week-3 bed house. Looking for a Mornington Suburb such as Rosebud. It seems that council tax is included in rent and so aside from gas/elec/groceries/phone/ internet/insurance I wonder if there is anything else I'm not factoring in?

Kindest regards,

Sam 

 

 

Water usage. When renting water rates are paid by the Landlord the same as with Council Rates but (unless your property doesn't have individual metering) you do have to pay for the water usage. That said it's not a big bill just one that's not in your list.


Chartered Accountant (England & Wales); Registered Tax Agent & Fellow of The Tax Institute (Australia)

Share this post


Link to post
Share on other sites

Hi Sam.

Maybe have a look at Highton and Belmont, which are suburbs of Geelong.

https://www.realestate.com.au/rent/in-vic/list-1

Best regards (from a resident of Highton).

  • Like 1

Managing Director, Go Matilda Visas - www.gomatilda.com

Registered Migration Agent Number 0102534; Registered Tax Agent (Australia)

Chartered Accountant (UK, and Australia)

T - 023 81 66 11 55 (UK) or 03 9935 2929 (Australia)

E - alan.collett@gomatilda.com

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

×