Coffs Harbour, Australia
Last updated on Jun 09, 2025
Summary: Expats, digital nomads and retirees talk about what it is really like living in Coffs Harbour, Australia. They offer advice about meeting people, cost of living, finding a home and more.
What do I need to know before moving to Coffs Harbour?
When we asked people what advice they would give someone preparing to move to Coffs Harbour, they said:
"Coffs Harbour is a coastal city located in New South Wales, Australia, known for its beautiful beaches, national parks, and marine life. The city has a subtropical climate, with mild winters and warm, wet summers, making it a great place for outdoor activities. The cost of living in Coffs Harbour is relatively lower compared to major Australian cities like Sydney and Melbourne, but it's still higher than many places in the world. Before moving to Coffs Harbour, expats should be aware that the city is relatively small, with a population of around 70,000 people. This means that while the city is not as bustling as larger cities, it offers a more relaxed and laid-back lifestyle. The city's economy is primarily based on tourism, agriculture, and fishing, so job opportunities may be limited in other sectors. Healthcare in Coffs Harbour is of a high standard, with several hospitals and clinics in the city. However, it's important for expats to have comprehensive health insurance, as healthcare in Australia can be expensive. Public transportation in Coffs Harbour is not as extensive as in larger cities, so having a car can be beneficial. However, the city is quite walkable and there are also taxi services available. Coffs Harbour has a range of housing options, from apartments in the city to houses in the suburbs. Renting can be a good option for expats before deciding to buy a property. The city is home to a number of schools, including public, private, and international schools, offering a good education system for families moving with children. Coffs Harbour has a diverse food scene, with many restaurants offering a variety of cuisines. The city is also known for its fresh seafood, thanks to its coastal location. Finally, while English is the main language spoken in Coffs Harbour, the city is multicultural and welcoming to expats. However, understanding Australian slang and culture can help in settling down and integrating into the local community," said one expat in Coffs Harbour.
How do I find a place to live in Coffs Harbour?
We asked expats how they chose their neighborhood and found a place to live. They answered:
"Finding a place to live in Coffs Harbour, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a single room in a shared house to a fully detached home. Next, you should research the different neighborhoods in Coffs Harbour to find one that suits your lifestyle and needs. Some popular areas include the city center, Jetty, Boambee, and Sawtell. Each of these areas has its own unique character and amenities. Once you've identified your preferred area, start looking for available properties. You can do this through various online real estate platforms such as Domain, RealEstate.com.au, and Rent.com.au. These websites allow you to filter your search based on location, property type, number of bedrooms, and price range. In addition to online platforms, you can also contact local real estate agencies directly. They can provide you with listings that may not be advertised online and can help you navigate the local rental market. Some well-known agencies in Coffs Harbour include LJ Hooker, The Edge, and First National. When you find a property you're interested in, arrange a viewing with the landlord or real estate agent. This will give you a chance to inspect the property and ask any questions you may have. If you're happy with the property, you'll need to submit an application. This usually involves providing references, proof of income, and sometimes a rental history. Once your application is approved, you'll need to sign a lease agreement and pay a bond, which is typically equivalent to four weeks' rent. The lease agreement will outline the terms and conditions of your tenancy, including the duration of the lease, the amount of rent, and your responsibilities as a tenant. Finally, before moving in, it's a good idea to take photos of the property to document its condition. This can help protect you from any disputes over damage that may arise when you move out. Remember, finding a place to live can take time, so it's important to start your search well in advance of when you plan to move," said one expat who made the move to Coffs Harbour.
What is a typical expat home or apartment like in Coffs Harbour?
"A typical expat home or apartment in Coffs Harbour, is often spacious and comfortable, designed to accommodate the needs of both individuals and families. These homes usually have a modern design, with open-plan living areas, fully equipped kitchens, and multiple bedrooms. Many of these homes also come with outdoor spaces such as balconies or gardens, offering stunning views of the surrounding landscapes. The apartments, on the other hand, are usually located in the heart of the city, close to amenities like shopping centres, restaurants, and public transportation. They are often part of well-maintained complexes with facilities like swimming pools, gyms, and secure parking. Both homes and apartments in Coffs Harbour are typically furnished with a blend of contemporary and traditional Australian decor, creating a warm and welcoming environment. They are often equipped with modern appliances and amenities, including air conditioning, high-speed internet, and laundry facilities. Given Coffs Harbour's coastal location, many expat homes and apartments also offer easy access to the beach, making them ideal for those who enjoy outdoor activities like swimming, surfing, or simply relaxing by the sea. In terms of the neighbourhood, Coffs Harbour is known for its friendly and diverse community, making it a great place for expats to settle in. The city offers a relaxed lifestyle with plenty of recreational activities, from exploring the natural beauty of the region to enjoying its vibrant arts and culture scene. Overall, a typical expat home or apartment in Coffs Harbour provides a comfortable and convenient living space, set within a welcoming and vibrant community," said one expat in Coffs Harbour.
What is the average cost of housing in Coffs Harbour?
If you are thinking about moving to Coffs Harbour, cost of living in probably a key consideration. Expats commented about the cost of housing:
"As of recent data, the average cost of a house in Coffs Harbour is approximately in the mid to high six-figure range in Australian dollars. However, the exact price can vary significantly depending on the size, location, and condition of the property," remarked one expat who made the move to Coffs Harbour.
What should I bring when moving to Coffs Harbour?
People living in Coffs Harbour were asked what three things they wish they had brought and three they wish they had left behind. They wrote:
"When moving to Coffs Harbour, it's important to pack a variety of clothing to accommodate for the subtropical climate, including lightweight clothing for the warm summer months and warmer clothing for the cooler winter months. Don't forget to pack a good quality raincoat and umbrella, as Coffs Harbour can experience heavy rainfall throughout the year. Swimwear is a must, as the city is known for its beautiful beaches. Also, pack a good pair of walking shoes or hiking boots if you plan on exploring the nearby national parks and nature reserves. Sun protection is crucial in Australia, so be sure to pack a wide-brimmed hat, sunglasses, and plenty of high SPF sunscreen. If you're planning on cooking at home, you might want to pack some of your favorite non-perishable food items, as they may be more expensive or hard to find in Australia. Remember to pack all necessary documentation, including your passport, visa paperwork, and any other identification or important documents you may need. Don't forget to pack any necessary prescription medications, along with a copy of your prescription. Lastly, pack any personal items that will make your new house feel like home, such as photos, favorite books, or small keepsakes," explained one expat living in Coffs Harbour, Australia.
Where should I setup a bank account in Coffs Harbour?
We asked expats in Coffs Harbour what banks they use and there advice about banking. They advised:
"Before retiring in Coffs Harbour, expats should know that it is a coastal city located in New South Wales, known for its beaches, fishing, and national parks. The cost of living in Coffs Harbour is relatively lower compared to major cities like Sydney and Melbourne, but it's still important to have a clear understanding of your financial situation and budget. Healthcare in Australia is of a high standard, and Coffs Harbour is home to several medical facilities and hospitals. However, expats should ensure they have adequate health insurance coverage as per the Australian government's requirements. The climate in Coffs Harbour is subtropical, which means it has warm summers and mild winters. This can be a significant change for those used to colder climates, so it's important to prepare accordingly. Coffs Harbour has a slower pace of life compared to larger cities, which can be a positive or negative depending on personal preference. The city is also known for its friendly and welcoming community, which can make the transition easier for expats. Public transportation is available, but having a car can be more convenient for getting around, especially for those living outside the city center. English is the primary language spoken in Coffs Harbour, so it would be beneficial to have a good command of the language. Expats should also be aware of the Australian tax system, as they may be liable to pay tax on their worldwide income, depending on their residency status. Lastly, it's important to understand the visa requirements for retiring in Australia. The country has a specific visa (subclass 410) for retirees from overseas, but it has strict eligibility criteria," wrote one member in Coffs Harbour.
What do expats in Coffs Harbour appreciate most about the local culture?
"Expats in Coffs Harbour often appreciate the laid-back and friendly nature of the local culture. They enjoy the strong sense of community and the welcoming attitude of the locals. The outdoor lifestyle is also highly appreciated, with plenty of opportunities for beach activities, hiking, and exploring the natural beauty of the area. The local food and wine culture, with an emphasis on fresh, local produce and seafood, is another aspect that expats often appreciate. They also value the safety and cleanliness of the city, as well as the high quality of life it offers. The cultural diversity and the respect for different cultures is another aspect that is highly appreciated by expats," said one expat who made the move to Coffs Harbour.
What do expats find most challenging?
"Expats in Coffs Harbour may find the laid-back, slower pace of life challenging if they are used to a fast-paced, high-stress environment. The local dialect and slang can also be difficult to understand for those not familiar with Australian English. Some expats may find it challenging to adapt to the local customs and social norms, such as the Australian love for outdoor activities and sports. The cost of living can also be high, particularly for housing, which may be a challenge for expats from countries with a lower cost of living. Lastly, while Australians are generally friendly and welcoming, it can take time to form deep, meaningful relationships, which can be challenging for expats who are used to a different social dynamic," wrote a member in Coffs Harbour.
Is there a lot of crime in Coffs Harbour?
We asked people if there is a lot of crime. They answered:
"Like any city, Coffs Harbour experiences some level of crime. However, it is generally considered a safe place to live and visit. The crime rate is relatively low compared to larger cities in Australia. The most common types of crime reported are typically property-related, such as theft and burglary. Violent crime does occur, but it is less common. The local police force is active and responsive in maintaining safety and order in the community. It's always important for residents and visitors to take standard precautions to protect their personal safety and belongings," wrote one member in Coffs Harbour.
What are the schools in Coffs Harbour like?
"Coffs Harbour, is home to a number of reputable schools, but it does not appear to have any international or bilingual schools. However, there are several schools that offer a high-quality education. One of the most notable schools in the area is the Coffs Harbour High School, a comprehensive public school that provides a diverse curriculum to cater to the varied interests and abilities of students. The school is known for its strong academic performance, as well as its emphasis on sports and the arts. Another prominent school in Coffs Harbour is the Bishop Druitt College, an independent Anglican co-educational early learning, primary, and secondary day school. The college is renowned for its nurturing learning environment and its commitment to academic excellence. The Coffs Harbour Public School is also a well-regarded institution in the area. This primary school is known for its supportive and inclusive environment, as well as its strong focus on literacy and numeracy. The Orara High School is another reputable school in Coffs Harbour. This secondary school is known for its wide range of academic and vocational courses, as well as its strong emphasis on student welfare. While these schools may not offer an international or bilingual curriculum, they are known for their high educational standards and their commitment to student welfare," commented one expat when asked about in Coffs Harbour.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.