Appletree Flat vs Jerrys Plains: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Appletree Flat and Jerrys Plains are both Singleton rates (OLG suburbs, sitting 152.8 km and 155.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Jerrys Plains runs $400 a year cheaper than Appletree Flat, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
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 →Appletree Flat
Jerrys Plains
Annual cost breakdown
| Category | Appletree Flat | Jerrys Plains | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,641 | $22,241 | +$400 |
| Total (public transport) | $7,441 | $7,041 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Appletree Flat | Jerrys Plains | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Appletree Flat vs Jerrys Plains (2026-27)
What the numbers show
Jerrys Plains costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,586 in favour of Jerrys Plains.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,441 from Appletree Flat versus $7,041 from Jerrys Plains.
10-year cumulative cost projection
| Year | Appletree Flat cumulative | Jerrys Plains cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,641 | $22,241 | $400 |
| Year 3 | $69,981 | $68,745 | $1,236 |
| Year 5 | $120,204 | $118,080 | $2,124 |
| Year 10 | $259,554 | $254,968 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Appletree Flat or Jerrys Plains cheaper to live in?
Jerrys Plains is cheaper to run by car at $22,241 per year versus $22,641 for Appletree Flat, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Appletree Flat and Jerrys Plains?
Annual council rates for a house are $1,341 in Appletree Flat (Singleton rates (OLG) and $1,341 in Jerrys Plains (Singleton rates (OLG). Water and sewerage adds $1,300 in Appletree Flat and $1,300 in Jerrys Plains. 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 Appletree Flat and Jerrys Plains?
Annual driving commute costs are $17,600 from Appletree Flat and $17,600 from Jerrys Plains to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Appletree Flat and $2,400 from Jerrys Plains.
What is the 10-year cost difference between Appletree Flat and Jerrys Plains?
At 3% annual cost growth, Appletree Flat costs a cumulative $259,554 and Jerrys Plains costs $254,968 over 10 years by car. The cumulative difference is $4,586 in favour of Jerrys Plains. Excludes purchase price, mortgage, and personal expenses.
Which of Appletree Flat and Jerrys Plains 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: Singleton rates (OLG and Singleton rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.