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Data updated Nov 12, 2026

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📊 Scores

62
Retiree
70
Digital Nomad

Best fit: Digital Nomad (score: 70)

Moe sits in the Latrobe Valley of Victoria, about 15 kilometers from the nearest airport (TGN), at an elevation of 62 meters above sea level. The climate is temperate, with the town operating on Australia/Melbourne time. With a population of 9 thousand, Moe is a compact community where English is widely spoken. The data does not name specific neighborhoods that expats choose, so the practical approach is to look for housing based on your budget and proximity to the town center, where rents are higher than on the outskirts.

Living costs in Moe are modest but revealing. A one-bedroom apartment in the city center rents for $769/mo, while the same outside the center costs $622/mo. For a single adult, the budget tier total (including rent) comes to $827/mo, the mid-range tier to $1,225/mo, and the comfortable tier to $1,554/mo. Excluding rent, a single person's monthly cost is $991/mo, which covers utilities at $154/mo, internet at $56/mo, a mobile phone plan at $29/mo, and a monthly public transport pass at $46/mo. Eating out is affordable: an inexpensive restaurant meal costs $14, a mid-range three-course meal for two runs $77, and a cappuccino is $4. The average monthly net salary locally is $1,396/mo, which means that even the budget tier total consumes a large share of a typical wage, and the comfortable tier is out of reach for most residents without additional income.

Safety in Moe is solid, with a safety index of 75/100 and a crime index of 25/100, where lower is safer. Healthcare quality is rated as good, and the air quality index is 45, which is moderate. These factors make Moe a reasonably secure and healthy place to live, especially for retirees or those who prioritize a low-stress environment over urban amenities. The overall expat score is 81/100, and the retiree score matches at 81/100, while the digital nomad score is lower at 70/100, reflecting fewer high-speed work perks despite an average internet speed of 85 Mbps.

For visas, Australia offers the Investor Retirement visa (subclass 405) for retirees, and the Australia Digital Nomad Visa for remote workers. The data does not specify income or asset thresholds for these programs, so you would need to check current requirements with Australian immigration. Getting to Moe is straightforward via the nearest airport (TGN), located 15 km away. Moe suits retirees who value safety, good healthcare, and a temperate climate, as well as digital nomads who can work with a stable 85 Mbps connection and are comfortable with a modest local wage economy. It is less ideal for those seeking high-end urban living or a fast-paced social scene, but for a quiet, affordable base in Victoria, it delivers.

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🏚️ Cost of Living

💰 Budgets and Costs

$1,308/mo, one person, rent included
Selected: mid-range lifestyle

Moe at the mid-range tier comes to about $1,308 a month for one adult, with $622 of that going to rent. Beyond rent the estimate covers $184 on groceries, $140 on dining out, $79.00 on entertainment and lifestyle, $237 on utilities and connectivity and $46.00 on transport.

Rent

$622/mo

1BR outside the centre

Groceries

$184/mo

Staples basket scaled to a full month

Dining out

$140/mo

10 inexpensive meals

Entertainment & lifestyle

$79.00/mo

2 cinema trips, 12 cappuccinos

Utilities & connectivity

$237/mo

utilities, mobile, internet

Transport

$46.00/mo

Monthly pass

Budgets (excl. rent)

Single person$686/mo

Excludes rent. The total above is all-in, rent included.

Estimates for one adult, built from this city's average prices and the usage shown for each tier. Your spending will differ with how often you eat out and where you live.

A 1BR in the center runs about $768.64/mo. If your income is in another currency, bank FX fees add up. A multi-currency account can cut that cost.

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🛡️ Safety & Crime

34.78
Safety Index

(Higher is safer)

65.22
Crime Index

(Lower is safer)

Moe is a genuinely safe regional Australian town with low violent crime and minimal street-level threats. The Safety Index of 75 reflects a secure environment typical of rural Victoria. Property crime exists but remains infrequent; standard precautions like locking doors suffice. No neighborhoods warrant avoidance, and scams are rare. The main consideration is isolation rather than danger—emergency services respond slower than in cities, and medical facilities are limited. For Americans seeking a quiet, crime-free retirement or remote work base, Moe delivers genuine safety without compromise.

Moe has a safety index of 34.78/100. Petty theft and lost belongings are the most common problems for newcomers. Compare travel insurance before you go.

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🏥 Healthcare

Good
Public Hospitals
No
Private Clinics
Yes
English-Speaking Doctors
Widely Available

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🌤️ Climate

Climate Zones
Temperate
Summer Temp
37°C
Winter Temp
1°C
Humidity
79%
Air Quality Index
45
Annual Rainfall
851 mm

Best Months

AprMaySepOct

Climate Notes

Moe experiences a temperate climate with warm summers (37°C peaks) and cool winters (1°C lows), high humidity year-round (79%), and moderate rainfall, making it suitable for those comfortable with cooler winters and humid conditions.

💻 Digital Nomad

Avg Internet Speed
85 Mbps
Internet (monthly)
$56/mo
Coworking Availability
Moderate
Coworking Spaces Nearby
0
Digital Nomad Score
70/100

Community Notes

Moe offers a quiet setting with close access to nature for digital nomads seeking peace.

Coworking Spaces

NameNotes
Regus TraralgonWhile technically in Traralgon (a larger town nearby), Regus offers a reliable coworking option with professional amenities like meeting rooms and printing services. It's a good choice for those who need a structured work environment and don't mind a short commute from Moe.
Gippsland Business ConnectLocated in nearby Morwell, Gippsland Business Connect provides a collaborative workspace with a focus on supporting local businesses. It offers a more community-oriented vibe, potentially appealing to expats looking to network and integrate into the Gippsland region.

Names, locations and hours can change. Check each space's website before you visit. Places from © OpenStreetMap contributors and Foursquare Open Source Places (Apache 2.0).

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🧳 Expat Life

English Proficiency
Widely Spoken
Expat Community
large
Banks Nearby
2
ATMs Nearby
0

🏘️ Neighborhoods in Moe

Areas of Moe that expats often consider.

Conditions can change from one block to the next, and these descriptions are general guides, not safety assessments. Before choosing where to stay or live, check current travel advisories, talk to people who live there, and visit in person if you can.

Central Moe

Convenient, commercial, community hub

The heart of Moe, offering easy access to shops, services, and public transport. Predominantly families and older residents. Walkable, but can be busy during peak hours. Offers the most amenities but may lack the charm of quieter areas.

Newborough

Residential, family-friendly, established suburb

A quieter residential area popular with families and retirees. Offers a more relaxed pace of life with parks and schools nearby. Requires a car for full convenience, but public transport is available. Good value for money but fewer immediate amenities than Central Moe.

Trafalgar

Small town, rural, peaceful living

A smaller town just outside Moe, offering a more rural lifestyle. Ideal for those seeking peace and quiet and don't mind a short drive for amenities. Less expat presence, so a good option for immersion, but requires more effort to integrate. Lower cost of living, but fewer job opportunities.

Yallourn North

Historic, scenic, close to nature

A historic town with a strong sense of community, surrounded by natural beauty. Offers a unique charm and a slower pace of life. Requires a car and is less convenient for shopping and services. Good for nature lovers but limited social scene for expats.

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