Best Place To Live In Australia – Monzi Explores The Map

Find the best place to live in Australia with Monzi’s guide. Learn more about what you may need to consider. From the climate to career opportunities, we’ll outline exactly how you may find your dream location. Need a loan to help you cover your relocation costs? Monzi could match you with a lender offering cash loans from $300 to $10,000. Apply today.

Please note, certain ideas and products presented in this article may not be offered by Monzi nor the lenders we work with. This article presents only general information. Consider seeking professional financial, taxation, legal or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Where is the best place to live in Australia?

Often referred to as the lucky country, Australia is a vast landmass of sprawling grasslands, inhospitable desert and stunning coastline. With cities and towns scattered all around, you may be asking the question of where is the best place to live in Australia. That’s what Monzi is here to address.

Through our guide to living in Australia, we’ll explore what you need to look for in a location before you make the big move. From your career options to the sense of community, there are dozens of factors that may inform your decision. Hopefully, by the end, you’ll be able to get out and start exploring. Before you know it, you may be able to find the best Aussie location for you. Let’s go.

What do I need to consider to find the best place to live in Australia?

No one factor will decide the best place to live. Instead, there are a host of considerations that you must take into account. By weighing up the importance of each factor and evaluating that against your needs, goals and objectives, you can begin to narrow down your options.

As a guide, ensure you think about the following before picking your perfect place to live in Australia:


Australia is a diverse land. From big cities to small towns, locations can vary significantly based on climate, demographics and accessibility. Looking purely at location, you must decide what you prefer.

If you like warm weather, then somewhere tropical like Darwin or subtropical like Brisbane could be the best place for you. However, if you prefer a cooler climate, then heading down south to Victoria or even Tasmania may be more suitable. In addition to this, consider how close you would be to the beach, popular holiday destinations or other attractions.

Finally, when selecting your perfect location, consider your proximity to family and friends. If you intend to visit family regularly, then you may not want to move across the country. Instead, you may want to remain local or just a short flight away.

Job opportunities

Most of us need a job to stay afloat. As a result, when picking a place to live, ensure that you will be able to find employment. Unfortunately, many Australians won’t have the freedom to live anywhere. Instead, they must remain in the city because that’s where the opportunities are in their line of work. Obviously, if you can work remotely or from home, then job opportunities may be less of a consideration.


If you have a family, then your priorities will likely be much different from someone without kids. With this, finding a location that can provide quality educational opportunities for your children is a must. As a result, don’t be afraid to research local schools and their results. At the end of the day, you want to give your kids the best possible chance to succeed.

In addition to this, consider their recreational interests too. In other words, if your child loves to play sports, ensure that there is a local team they can join. On the other hand, if they love to read, make sure there is a library. These small things can help your kids adjust if you decide to relocate.

Cost of living

Juggling your finances can be difficult. Between rent, food, utilities, school fees and other expenses, you may find it hard to save money consistently. In short, this comes down to the cost of living. With this, your location may affect your cost of living drastically. For instance, it’s usually much more expensive to live in a city’s inner suburbs than it is to relax in a small town. That said, it’s up to you to determine what you can afford.

In any case, for more assistance, check out Moneysmart’s budget planner. From there, you can determine where your money is going each month and how you could potentially save a little more.


Some areas are safer than others. With this, it’s important to consider the local crime rates. At the end of the day, you want to protect yourself, your family and your property. While you can never completely eliminate threats, a safe area with a strong sense of community may provide the peace of mind you’re looking for.

Housing market

Can you afford to purchase a property or will you have to rent? In addition to this, consider what you are looking for. If you’re a family, then you may want a home with many bedrooms and a backyard. On the other hand, if you are a single or couple, then an apartment may be sufficient. The availability and cost (e.g. rent) of your preferred property may vary based on your location.


Transport should be a major factor when you try to select the best place to live in Australia. As a guide, key questions to ask may include:

  • How easy is it to get around?
  • Is there an airport nearby?
  • Are there public transport options (e.g. train, bus, light rail)?
  • Is there traffic and congestion during peak hour?
  • Do I need a car?
  • If living in a remote area, is there any danger of becoming isolated due to severe weather?


If you are a young person, then you probably don’t want to move to a place that is predominantly populated by retirees. Instead, you may want to live in an area with like-minded individuals from your age group. That way, you can form the necessary social bonds to live a happy and fulfilled life.


Make sure that the place you move to has adequate healthcare and infrastructure. With this, consider the quality of local hospitals and medical care (e.g. availability of doctors). In addition to this, don’t forget about dental care and other such services. If you choose to live in a small town, then it’s likely that the healthcare facilities won’t be at the same standard as those in the city. This may be important if you require on-going care for a chronic ailment.

Best place to live in Australia for asthma sufferers

It’s important to remember that the best place for you to live may not be the best place for someone else. Ultimately, we’re all different and will have different priorities. With this, if you have asthma, then this may be a consideration that most other Aussies don’t have to worry about.

As a guide, factors such as pollution, allergens, pollen and weather can all impact the suitability of a location for an asthma sufferer. However, the perfect location may depend on what is most likely to trigger your attacks. Given this, it’s difficult for Monzi to say where the best place may be for asthma sufferers. Consider your unique situation and triggers to try and find a location that’s suitable.

What about hay fever?

Australians suffer from hay fever at one of the highest rates in the world. However, rates vary across locations. Trees and grass grow and pollinate at different times and volumes depending on where you are. As a result, some places in Australia can be much worse for hay fever sufferers.

With this, research generally suggests that the best places to live in Australia with hay fever will be up north in the tropics. For instance, you could potentially investigate living in Cairns or Darwin. In short, this is because humid air weighs down pollen, keeping it on the ground. As a result, your hay fever symptoms may not be as severe.

That said, your hay fever should still only be one part of your decision-making process. While it would be nice to rid yourself of the constant sneezing, you must still account for the cost of living, job prospects and other such factors to find the location that’s best for you.

Best places to live in Australia by the sea

The coastline of the Australian mainland stretches over 36,000km with an estimated 12,000 beaches. As a result, if you’re looking to live by the sea, there’s almost no place better in the world. After all, approximately 90% of Australians live within 100km of the coast.

Given this, you’re spoilt for choice. In reality, your hardest decision may be to choose which location by the sea is your favourite. While the Gold Coast and Sunshine Coast are popular seaside locations, if you want to escape the hustle and bustle, places like Kiama or Ballina could be right for you.

At the end of the day, Australia’s unique coastline is almost perfect. It doesn’t matter whether you’re a swimmer, a surfer or just want to go fishing. The perfect coastal escape could be closer than you think.

Where is the cheapest place to live in Australia?

Unless you’re willing to get off the beaten track, it’s unlikely that you will want to live in the cheapest place in Australia. After all, based on median house prices, that title is currently held by Andamooka in central South Australia. Moreover, most locations offering similar prices are remote and often located in the dry outback of Australia. As a result, unless you can handle the heat, you’ll probably be looking for somewhere a little less isolated.

Given this, rather than looking for the cheapest location possible, aim to find somewhere reasonable instead. There are plenty of small towns and cities where you could potentially score a bargain on a home or apartment. Best of all, you won’t have to give up all the luxuries that come with city-living.

Best place to live in Australia: should I live in the city?

Like many countries in the modern world, Australia is highly urbanised. To make this more clear, close to 90% of the population reside in just a small handful of cities. With this, it’s not hard to understand the appeal.

Usually, the most significant factor driving urbanised living is employment. Cities are home to major companies and high populations. As a result, more often than not, if you’re searching for your dream job, then you’ll need to be living in a major city.

Beyond this, other advantages of city life include recreation and entertainment options. From cool bars to cinemas and other entertainment venues, you should always find something to do. Moreover, healthcare and other infrastructure will usually be best in cities too.

What are the downsides of living in the city?

While living in the bright lights of your favourite capital city has its benefits, there are some downsides too. As a guide, this may include:

  • Traffic and congestion: almost every city in the world struggles with gridlock. As a result, if you intend to commute to work, then peak hour traffic could add 30 minutes or more to your journey.
  • High costs: given the high demand for property, you may find that the cost to rent or buy a home in the city can be considerable. Often, it can put a significant strain on your budget.
  • Less space: with a higher population density, it can often feel like you’re living on top of your neighbours. With this, you may not have that big backyard that you always dreamed of. This may be an issue if you have an active dog or kids who love to play outside.
  • Noise: particularly in the inner-city suburbs, you may find yourself dealing with constant noise. This noise may come from traffic, neighbours, local entertainment venues or public transport.

Should I move to a small town?

When you search for the best places to live in Western Australia or the best places to live in Queensland, often the suggested locations will be smaller cities or towns. For instance, Bundaberg or Proserpine are often put forward. While small towns undoubtedly have their benefits, there are some things that you must be aware of before you complete your sea-change.

Firstly, many of the downsides of living in a city will be the opposite of living in a small town. Whereas in a city you may lack the space you want, in a small town, you could potentially rent or purchase a home with a big backyard at a price that is affordable for you. Moreover, you won’t be as tightly packed in so noise may be less of an issue.

That said, small towns may provide fewer employment opportunities. As a result, unless you can work remotely, it may not be viable for you. Moreover, you may find that there is less to do in your free time. Finally, living a long way from a major city centre may make it hard to travel.

At the end of the day, small-town life won’t be for everyone. However, if it suits you, then making the move can be a welcome relief.

Find the best place to live in Australia under the stars at Uluru

Best place to live in Australia: which city has the lowest cost of living?

Australia has five major cities: Brisbane, Perth, Adelaide, Melbourne and Sydney. While they often appear on the annual lists of the most liveable cities, the cost of living can vary greatly between them. As a result, if you’re looking to save a little money while still living in a major metropolitan centre, this could be a deciding factor.

As a guide, Sydney and Melbourne are recognised as the two most expensive Australian cities. Obviously, as they have the two highest populations, this is not unexpected. Beyond this, Brisbane typically comes in third, with Adelaide and Perth vying to be the cheapest. That said, figures do vary on the factors used to calculate the cost of living.

Where is the most beautiful place to live in Australia?

When considering the vast natural beauty of Australia, this question is almost impossible to answer. Whether you prefer stunning mountain ranges, sprawling grasslands or the beautiful blue ocean, there may be a place that fits your idea of a beautiful location.

At Monzi, one of our favourite places has to be North Queensland. Whether you’re in Palm Cove, Cairns or Trinity Beach, you’ve got the Great Barrier Reef on your doorstep and the Daintree Rainforest in your backyard. That combination of natural beauty is almost unrivalled.

On the other hand, if humidity is not your thing, then Tasmania is hard to beat. From idyllic Hobart to the ruggedness of Bruny Island, Tassie is home to some of Australia’s most picturesque locations. However, you will have to battle the cold.

What do I need to buy a house in Australia?

When it comes to applying for your first home loan, it’s important to note that lenders are often quite strict. After all, if you’re going to potentially borrow over $100,000, then lenders want to ensure that you can repay it.

With this, requirements to purchase a home in Australia may include:

  • Good credit history
  • Consistent income
  • A deposit of at least 20% (Unless you have a guarantor or are willing to pay lenders mortgage insurance).
  • A well-managed budget
  • Few outstanding debts

While exact criteria do vary between lenders, you typically must be in a strong financial position to be approved for a home loan.

Best place to live in Australia: should I rent or buy?

When moving to a new location, this is the big question. Realistically, the answer will depend on your financial situation, the housing market in your local area and your objectives.

If you are living in a capital city, then buying a house may be beyond your means. As a result, you may instead look at renting. On the other hand, if you are moving to a small town or somewhere off the beaten track, property may be more affordable. As a result, you could consider applying for a home loan.

In addition to this, don’t just consider where you want to be today, think about your future plans too. If you intend to remain in one place for many years, it will be more suitable to purchase a property. However, if you want to keep your options open or live a transient lifestyle, then it may make more sense to rent.

Ultimately, purchasing property is a significant investment. As a result, unless you have the means to do so, renting will likely be a more realistic option.

Can Monzi offer me a home loan?


Monzi does not offer online home loans. Moreover, we don’t offer loans full-stop. As a result, if you’re looking to purchase your dream home in the perfect location, you must do your own research to find a bank or credit provider who may offer a suitable variable rate home loan for you.

What Monzi can offer, though, is a lender-finder service. So, when you need to get a loan today from $300 to $10,000, apply with Monzi. From there, we may act as the bridge connecting you and a great Aussie lender. In other words, we can potentially do the work for you. Apply during business hours and we may provide you with an outcome within 60 minutes.

What about rental bond loans?


Cash loans may be used to cover an extensive list of personal expenses. One example of this could be a rental bond loan. In short, these loans involve borrowing the cash you need to pay your bond. Usually, this is equal to four weeks rent, meaning it can be significant. As a result, taking out a bond loan may help you move into your new home sooner.

That said, ensure you consider the costs. Any money you borrow must be repaid with interest. Given this, it may be best to consider alternatives. For instance, there may be rental assistance or other such help offered by the Australian Government.

Can I apply for relocation loans when I move?


Through Monzi, you can apply for relocation loans from $300 to $10,000. Depending on the amount you borrow, repayment terms may range from 12 to 24 months. Best of all, we work fast, meaning we may match you with a lender in just 60 minutes.

As a guide, common relocation expenses include:

Keep in mind that approval is not guaranteed. However, we’ll always do our best to help you find a lender. If approved, you may receive the cash you need to make your move to Newcastle, Townsville or wherever you choose. Ultimately, it’s up to you to find the best place to live in Australia that suits your needs and circumstances.

Can Monzi help me no matter where I live?

Of course.

Monzi works with lender offerings loans Australia-wide. It doesn’t matter whether you need fast cash in Adelaide or instant cash loans in Geelong, Monzi’s got you covered. We’re a lender-finder for all Australians.

So, whether you’re looking to move to a picturesque country town or a bustling capital city, we may be able to help you cover your expenses with easy cash loans from $300 to $10,000. Just remember that any money you borrow must be repaid via a series of even repayments over a fixed term. Moreover, lenders charge interest and fees, meaning costs may be high.

How do I apply?

Before you apply, you must ensure that you are at least 18 years of age and are an Australian citizen or permanent resident. In addition to this, you must supply a current email address and mobile number as well as the details of an online bank account, where your income has been deposited for the last 90 days.

If you tick those boxes, then applying is easy. Follow these steps to help you access the cash you need to make your next move a breeze:

  1. Use the loan slider to select a loan amount and repayment term (if applicable).
  2. Provide the necessary details to complete Monzi’s online application.
  3. Let your pals at Monzi do what we do best. We’ll do what we can to match you with an available lender from our network.
  4. You’ll receive an outcome via text or email. If we match you with a lender, then we’ll pass your application onto them.

Note that approval is not guaranteed. If you are matched with a lender, they will conduct an assessment to determine your outcome.

Best place to live in Australia: get started with Monzi

Australia is a vast and beautiful land. As a result, if you look hard enough, you should be able to find the best place to live in Australia for you. By considering your circumstances, you can determine whether the city or the country suits you best. From there, you can make the move and begin living your dream.

Happy with your current location? That’s OK. Monzi’s always here to help when you need instant cash loans from $300 to $10,000. Apply now and we could match you with an Aussie lender in just 60 minutes. Apply anywhere, any time. Scroll up to Monzi’s loan slider to start your journey today.

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You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. The minimum and maximum loan term is 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Loan amount

$2,001 - $4,600


13 months (minimum)

24 months (maximum)


48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.


Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principal Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000


13 months (minimum)

24 months (maximum)


21.24% Annual Percentage Rate (APR)

48% Comparison Rate p.a.


Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principal Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Annual Percentage Rate (APR) for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.