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View all →Deep, independent breakdowns of what things really cost in Australia, audited against our own live price data.
Cost reportA Typical Engagement Ring Costs Over Six Times Suncorp's Base Jewellery Limit
Budget Direct's standard contents cover pays up to $1,000 for any single piece of jewellery that is not listed on the policy, and Suncorp's base Classic policy pays up to $2,000. Going Rate's typical quoted engagement ring is more than six times the larger of those limits. Closing the gap means listing the ring at its replacement value and paying for a valuation every few years, to protect a figure well above anything a buyer would pay if the ring were sold.
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Cost reportIVF Costs the Same at 42 as at 29. A Baby Costs Four Times as Much
A clinic charges the same for an IVF cycle at 42 as at 29, and Medicare sets its rebate for both against the same schedule fee. The chance of taking a baby home falls with age. ANZARD's 2024 report shows 51.5% of women who started treatment under 30 had a baby from their first complete cycle, against 13.1% of women who started at 40 to 44 and 1.8% of those who started at 45 or older. On a Going Rate model, that makes the expected out-of-pocket cost of a baby about four times higher for a woman starting at 40 to 44, and far higher again for one starting at 45 or older.
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Cost reportA Year in Aged Care Costs More Than Two Years of the Full Age Pension
The full single Age Pension pays $1,237.70 a fortnight from 20 September 2026, Services Australia says. On Going Rate's typical figures, a year in an aged care home costs more than two years of that pension. The median stay recorded by the Australian Institute of Health and Welfare (AIHW) costs almost four.
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Cost reportFamily Cover Costs Four Weeks' Pay a Year. Super's Average Death Claim Covers 16 Months
On Going Rate's typical prices, buying life, TPD and income protection cover yourself costs about four weeks of the average full-time wage each year. Most families rely on the cheaper default cover in their super instead, and APRA's 2025 claims data shows the average admitted death claim in super was $143,125, about 16 months of that same wage.
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Cost reportYour Car, Caravan, Boat and Motorbike Cost More to Move Than Your Whole House
At Going Rate's prices, trucking a car, a caravan, a boat and a motorbike interstate costs about $7,500, which is $900 more than an interstate removalist charges to move the contents of a whole home. For a household that owns all four, the vehicles make up 53% of a $14,100 moving bill. Queensland took 98,121 interstate arrivals in the year to March 2026, the most of any state, according to the ABS, and BITRE counts more registered boat trailers there than in any other state.
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Cost reportA Propped-Open Pool Gate Can Cost More Than Four New Pool Fences
In Queensland, leaving a pool gate propped open carries a maximum penalty of more than $23,000, the Queensland Building and Construction Commission says. At Going Rate's prices that is more than four and a half compliant pool fences, and more than the fence, a heat pump and a resurface put together. The inspections that catch a broken barrier cost less than one pool cleaning visit, from $150 for a first inspection at Woollahra Council in NSW to at most $78 a year in Western Australia. Tree removal follows the same pattern, with a $98 City of Sydney application set against a $3,000 on-the-spot fine in NSW.
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Cost reportPulling Out of a NSW Home Purchase Costs Nearly Five Times the Inspection
A buyer who signs a NSW contract and pulls out during the cooling-off period forfeits 0.25% of the price, about $3,260 on the ABS mean NSW dwelling price of $1,304,900. That is nearly five times the cost of a building and pest inspection at Going Rate's prices. Conveyancing, the inspection, a valuation, a local move and new locks add up to about $5,230 at Going Rate's prices, all paid in cash on top of the deposit. Stamp duty and lenders mortgage insurance can each cost several times that, depending on the state and the size of the deposit.
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