Mogo vs Surf Beach

Mogo is the younger of the two, with a median age of 44 against 53 in Surf Beach. In both, most households own their home and most homes are detached houses. In Surf Beach, about half of households are people living alone. Houses cost more in Surf Beach: a median of $777,000, against $630,000 in Mogo, and rent is higher there too. On these figures, Mogo tends to suit buyers on a tighter budget, while Surf Beach suits people living alone and older residents.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Mogo

ahead on 3 of the 5 things we measure here

  • has more schools rated above their peers (1 vs 0)
  • has more separate houses rather than flats (100% vs 71%)
  • is already more of a family suburb (56% vs 44%)

Weighs schools, house stock, parks, childcare, and who already lives there.

First-home buyers

Mogo

ahead on 2 of the 2 things we measure here

  • leaves households under less mortgage stress (25% vs 32%)
  • has cheaper houses ($630,000 vs $777,000)

Weighs house prices and mortgage stress.

Renters

Mogo

ahead on 2 of the 3 things we measure here

  • leaves renters under less rental stress (18% vs 30%)
  • has cheaper rent ($220/wk vs $330/wk)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Surf Beach

ahead on 3 of the 3 things we measure here

  • is more walkable (32/100 vs 0/100)
  • has a shorter drive in (240 min vs 257 min)
  • sits closer to the CBD (289.6 km vs 295 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Surf Beach

ahead on 2 of the 3 things we measure here

  • is more walkable (32/100 vs 0/100)
  • has more residents already 65 and over (32% vs 23%)

Weighs who already lives there, GPs, and walkability.

Investors

Too close to call

Nothing among the 1 things we measure here separates them by enough to be worth acting on.

Weighs population growth.

Where they sit

Mogo and Surf Beach drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Mogo Surf Beach
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Mogo Surf Beach
Walkability 0 / 32
Mogo — Walkability: 0/100 Surf Beach — Walkability: 32/100
Low fire risk 76 / 10
Mogo — Low fire risk: 76/100 Surf Beach — Low fire risk: 10/100

Demographics

Surf Beach has more residents (1,934 vs 332); Surf Beach rents higher ($330/wk vs $220/wk).

Mogo Surf Beach
Population 332 1,934
+483% vs other
Population trend (2016 → 2021) +3.1% +3.2%
Median age 44 53
Median household income $62,816/yr
+9% vs other
 $57,148/yr
Median weekly rent $220/wk $330/wk
+50% vs other

Age profile

Share of residents in each band, 2021 Census.

Mogo Surf Beach
0-4 6.3% / 4.1%
Mogo — 0-4: 6.3% Surf Beach — 0-4: 4.1%
5-14 10.8% / 10.5%
Mogo — 5-14: 10.8% Surf Beach — 5-14: 10.5%
15-19 6.3% / 4.6%
Mogo — 15-19: 6.3% Surf Beach — 15-19: 4.6%
20-24 4.5% / 3.4%
Mogo — 20-24: 4.5% Surf Beach — 20-24: 3.4%
25-34 8.7% / 7.2%
Mogo — 25-34: 8.7% Surf Beach — 25-34: 7.2%
35-44 12.3% / 10.0%
Mogo — 35-44: 12.3% Surf Beach — 35-44: 10.0%
45-54 13.0% / 13.0%
Mogo — 45-54: 13.0% Surf Beach — 45-54: 13.0%
55-64 13.9% / 14.7%
Mogo — 55-64: 13.9% Surf Beach — 55-64: 14.7%
65-74 16.3% / 19.2%
Mogo — 65-74: 16.3% Surf Beach — 65-74: 19.2%
75-84 5.1% / 10.2%
Mogo — 75-84: 5.1% Surf Beach — 75-84: 10.2%
85+ 1.8% / 2.9%
Mogo — 85+: 1.8% Surf Beach — 85+: 2.9%

Bars are drawn against the largest share shown (19.2%).

Who lives together

Household composition, 2021 Census.

Mogo 34.1% lone person
Mogo — Lone Person: 34.1% Mogo — Couple Families: 37.8% Mogo — One Parent Families: 18.3% Mogo — Group Household: 9.8% Mogo — Other Families: 0.0%
Surf Beach 52.4% lone person
Surf Beach — Lone Person: 52.4% Surf Beach — Couple Families: 27.2% Surf Beach — One Parent Families: 17.0% Surf Beach — Group Household: 2.0% Surf Beach — Other Families: 1.5%
Lone Person Couple Families One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Mogo 19.6% renting
Mogo — Owned Outright: 51.5% Mogo — Mortgage: 28.9% Mogo — Renting: 19.6%
Surf Beach 29.5% renting
Surf Beach — Owned Outright: 48.7% Surf Beach — Mortgage: 21.8% Surf Beach — Renting: 29.5%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Mogo Surf Beach
Certificate III & IV 20.2% / 17.3%
Mogo — Certificate III & IV: 20.2% Surf Beach — Certificate III & IV: 17.3%
Bachelor Degree 6.3% / 8.3%
Mogo — Bachelor Degree: 6.3% Surf Beach — Bachelor Degree: 8.3%
Advanced Diploma / Diploma 5.1% / 7.1%
Mogo — Advanced Diploma / Diploma: 5.1% Surf Beach — Advanced Diploma / Diploma: 7.1%
Postgraduate Degree 0.9% / 3.6%
Mogo — Postgraduate Degree: 0.9% Surf Beach — Postgraduate Degree: 3.6%
Graduate Diploma / Certificate 0.9% / 1.3%
Mogo — Graduate Diploma / Certificate: 0.9% Surf Beach — Graduate Diploma / Certificate: 1.3%

Bars are drawn against the largest share shown (20.2%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Mogo Surf Beach
England 1.5% / 4.2%
Mogo — England: 1.5% Surf Beach — England: 4.2%
Germany 1.5% / 0.6%
Mogo — Germany: 1.5% Surf Beach — Germany: 0.6%
New Zealand — / 2.1%
Mogo — New Zealand: not among its largest Surf Beach — New Zealand: 2.1%
Canada 1.2% / —
Mogo — Canada: 1.2% Surf Beach — Canada: not among its largest
India — / 0.9%
Mogo — India: not among its largest Surf Beach — India: 0.9%
Philippines — / 0.9%
Mogo — Philippines: not among its largest Surf Beach — Philippines: 0.9%
Italy — / 0.8%
Mogo — Italy: not among its largest Surf Beach — Italy: 0.8%

Bars are drawn against the largest share shown (4.2%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Mogo 100.0% houses
Mogo — Houses: 100.0% Mogo — Townhouses: 0.0% Mogo — Flats / Apartments: 0.0%
Surf Beach 70.9% houses
Surf Beach — Houses: 70.9% Surf Beach — Townhouses: 18.5% Surf Beach — Flats / Apartments: 10.5%
Houses Townhouses Flats / Apartments

Property market

Mogo Surf Beach
Median house price $630,000 $777,000
Median unit price — $545,000
Median land price — $600,000
Typical days to sell (houses) — 47 days
from 49 sales

Zoning mix

Mogo has more rural and farming land (95% vs 0%); Surf Beach has more land zoned for conservation (12% vs 1%).

Mogo Surf Beach
Rural and farming 95% 0%
Residential 0% 57%
Infrastructure and transport 4% 20%
Environmental 1% 12%
Industrial 0% 9%
Parks and recreation 0% 2%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Mogo Surf Beach
New dwellings approved 211
across Eurobodalla
same for both
Approvals change year on year -9%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Mogo Surf Beach
Houses — 3.3%
$600/wk on $954K
Units —
same for both

Ranking within NSW

Mogo Surf Beach
House price Higher than 22% of NSW Higher than 31% of NSW
Income Higher than 25% of NSW Higher than 17% of NSW
Schools —
same for both
Walkability Higher than 25% of NSW Higher than 75% of NSW
Affordability Higher than 64% of NSW Higher than 41% of NSW
EV adoption Higher than 62% of NSW
same for both
NBN connectivity Higher than 57% of NSW Higher than 74% of NSW
Rental yield (houses) — Higher than 33% of NSW

Liveability

Surf Beach is more walkable (32 vs 0).

Mogo Surf Beach
Grade — D
Score — 22/100
Socio-economic band high-need area
decile 1/10
 below-average income
decile 3/10

Risk profile

Surf Beach carries more bushfire risk (90 vs 24).

Mogo Surf Beach
Bushfire Low
24/100
 High
90/100
Crime — Moderate
52/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
 Low
20/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 1
within 5 km
 4
within 5 km

Schools

Mogo Surf Beach
Inside the suburb 1 0
Rated above peers 1 0
Rated at peers 0
same for both
Rated below peers 0
same for both

Schools in Mogo

  • Mogo Public School Government · Primary above peers

Schools in Surf Beach

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Amenities in the suburb

Mogo Surf Beach
Cafes & restaurants 5 2
Parks & reserves 2 0
Childcare 1 0
GPs 0 1
Pharmacies 0 1
Fuel stations 1 0
Beaches 0 1
Waterways 41 4

Mobility

Mogo sits further from the CBD (295 km vs 289.6 km).

Mogo Surf Beach
Walkability score 0/100 32/100
Distance to Sydney 295 km
+2% vs other
 289.6 km
Drive time (normal traffic) 257 min 240 min
Public transport score 19/100
Bus
 56/100
Bus
Peak arrivals per hour 2.0
7-9am + 5-7pm
 21.5
7-9am + 5-7pm
Median peak wait 6 min
scheduled, not actual
 1 min
scheduled, not actual
Electric vehicle share 0.6%
postcode 2536
same for both
Rooftop solar per 100 dwellings 41
postcode 2536
same for both

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Mogo Surf Beach
Car (driver) 73.5% / 80.6%
Mogo — Car (driver): 73.5% Surf Beach — Car (driver): 80.6%
Worked from Home 16.7% / 12.9%
Mogo — Worked from Home: 16.7% Surf Beach — Worked from Home: 12.9%
Car (passenger) 3.9% / 4.4%
Mogo — Car (passenger): 3.9% Surf Beach — Car (passenger): 4.4%
Walked Only 5.9% / 1.3%
Mogo — Walked Only: 5.9% Surf Beach — Walked Only: 1.3%
Bus — / 0.8%
Mogo — Bus: not among its largest Surf Beach — Bus: 0.8%

Bars are drawn against the largest share shown (80.6%).

Setting

Mogo Surf Beach
Elevation 74 m
above sea level, at the suburb centre
 33 m
above sea level, at the suburb centre
Distance to the ocean 8.3 km 780 m
813 m to a named beach

NBN connectivity

Mogo Surf Beach
Connectivity score 30/100 66/100
Most common technology Fixed wireless Fibre to the node
Full-fibre (FTTP) share 0%
190 premises
 41%
1,399 premises

Climate

Mogo Surf Beach
Annual rainfall 914 mm
same for both
Summer max (Jan) 23.7°C
same for both
Winter min (Jul) 7.5°C
same for both

Council rates

Mogo Surf Beach
Average residential rate $1,246/yr
same for both
Council Eurobodalla
same for both

Federal electorate

Mogo Surf Beach
Division Gilmore
same for both
Member Fiona Phillips
same for both
Party Australian Labor Party
same for both

First Home Owner Grant

Mogo Surf Beach
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Mogo

Rural

Surf Beach

Beach Coastal Quiet Retirees

More comparisons

Other comparisons with Mogo

Mogo vs Moruya Mogo vs Catalina Mogo vs Malua Bay Mogo vs Batehaven Mogo vs Batemans Bay Mogo vs Tomakin

Other comparisons with Surf Beach

Surf Beach vs Malua Bay Surf Beach vs Batehaven Surf Beach vs Sunshine Bay Surf Beach vs Denhams Beach Surf Beach vs Lilli Pilli
Full data on Mogo Full data on Surf Beach
Unlock full address-level data — $29/month

Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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