The cost of living on the Central Coast varies considerably depending on your suburb, housing costs, household size and whether you commute to Sydney or Newcastle. Rent or mortgage payments are usually the largest expense, followed by groceries, electricity, internet, transport, insurance and childcare or healthcare. Compare current local rental listings and use recent bills to build a realistic weekly or monthly budget, allowing extra for petrol and seasonal energy use. You may also qualify for concessions or government support, but Services Australia and the relevant provider decide eligibility based on your circumstances.