Annandale vs Lilyfield: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Annandale and Lilyfield are both Inner West rates (OLG suburbs, sitting 3.9 km and 4.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $156 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Annandale
Lilyfield
Annual cost breakdown
| Category | Annandale | Lilyfield | Difference |
|---|---|---|---|
| Council rates | $1,401 | $1,401 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,297 | $1,453 | -$156 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $3,500 | $3,500 | - |
| Total (driving) | $7,196 | $7,352 | -$156 |
| Total (public transport) | $7,819 | $7,819 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Annandale | Lilyfield | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Annandale vs Lilyfield (2026-27)
What the numbers show
Annandale and Lilyfield cost within $156 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,788, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $156 per year. Lilyfield is 4.4 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,819 and $7,819 a year, so the $156 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,401 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Annandale by $156 a year, $1,297 against $1,453.
- Building insurance is identical at $2,950 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
10-year cumulative cost projection
| Year | Annandale cumulative | Lilyfield cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,196 | $7,352 | $156 |
| Year 3 | $22,242 | $22,724 | $482 |
| Year 5 | $38,205 | $39,033 | $828 |
| Year 10 | $82,494 | $84,282 | $1,788 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Annandale or Lilyfield cheaper to live in?
Annandale is cheaper to run by car at $7,196 per year versus $7,352 for Lilyfield, a difference of $156 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Annandale and Lilyfield?
Annual council rates for a house are $1,401 in Annandale (Inner West rates (OLG) and $1,401 in Lilyfield (Inner West rates (OLG). Water and sewerage adds $1,548 in Annandale and $1,548 in Lilyfield. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Annandale and Lilyfield?
Annual driving commute costs are $1,297 from Annandale and $1,453 from Lilyfield to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Annandale and $1,920 from Lilyfield.
What is the 10-year cost difference between Annandale and Lilyfield?
At 3% annual cost growth, Annandale costs a cumulative $82,494 and Lilyfield costs $84,282 over 10 years by car. The cumulative difference is $1,788 in favour of Annandale. Excludes purchase price, mortgage, and personal expenses.
Which of Annandale and Lilyfield is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Inner West rates (OLG and Inner West rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.