Affordability check · Wollongong · NSW

Can I afford to live in Coniston on $90,000/yr?

Yes, manageable
Weekly take-home
$1,354/wk
1BR median rent
$450/wk
Leftover after rent + tax + costs
$480/wk
Rent share of gross
26%

The verdict

Coniston on $90,000/yr

On $90,000/yr, Coniston is manageable — about $480/wk left after rent, tax and typical living costs, sitting at the 30%-rule limit.

Salary needed (30% rule)
$78,000
/yr gross
Above 30% rule by
$12,000
/yr
Take-home (after tax)
$70,412
/yr
Annual rent
$23,400
median
Household:

Where your salary goes

$90,000/yr gross · $1,731/wk · single household

Tax + Medicare
$377/wk
22%
1BR rent
$450/wk
26%
Essentials
$424/wk
24%
Discretionary
$480/wk
28%

Essentials use indicative averages (groceries, transport, utilities, insurance, other). Adjust them in the budget tool below.

On $90,000/yr — weekly budget

$874/week total

Rent
$450/wk
Groceries
$180/wk
Transport
$55/wk
Utilities
$55/wk
Insurance
$45/wk
Other
$89/wk

Rent trajectory

Coniston quarterly median vs your salary's 30%-rule ceiling

$600$625$650$675$700Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Q1 '25 → Q1 '26: +10.0%
Dashed segments are estimated from the suburb's annual rent change. They will be replaced with actual bond data as new quarters are published.
30% ceiling on $90,000/yr
$519/wk
Current median (all beds)
$660/wk
Gap above ceiling
+27%

Coniston rents rose 10% over the past year. At that pace, the gap to your salary ceiling is widening.

Same suburb, adjacent salary brackets

How affordability shifts in Coniston with a pay change

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Schools, transport, crime, rent trend and demographics
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This suburb affordability view is one layer of your NestLedger — rent, salary and household cost context for Australian money decisions.

Estimates only. Not financial advice. See methodology. Read more