Arcadia Vale vs Fishing Point, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Arcadia Vale and Fishing Point are both Lake Macquarie rates (OLG suburbs, sitting 96.3 km and 97.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $247 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 the gap between these two is about $2,800, about $5 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan →Arcadia Vale
Fishing Point
Annual cost breakdown
| Category | Arcadia Vale | Fishing Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,763 | $1,763 | - |
| Water & sewerage Official, 2026-27 | $1,377 | $1,377 | - |
| Commute (driving) Modelled, 2026-27 | $4,207 | $4,254 | -$47 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $1,800 | -$200 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $8,947 | $9,194 | -$247 |
| Total (public transport) | $7,140 | $7,340 | -$200 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Arcadia Vale | Fishing Point | 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, Arcadia Vale vs Fishing Point (2026-27)
What the numbers show
Arcadia Vale and Fishing Point differ by $247 a year by car, but $200 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $47, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $200 per year. Fishing Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $200 per year, $7,140 from Arcadia Vale versus $7,340 from Fishing Point.
Where the difference actually comes from
- Council rates is identical at $1,763 a year.
- Water and sewerage is identical at $1,377 a year.
- Driving commute favours Arcadia Vale by $47 a year, $4,207 against $4,254.
- Building insurance favours Arcadia Vale by $200 a year, $1,600 against $1,800.
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 and the insurance band.
Flood risk is rated high in Fishing Point against medium in Arcadia Vale, which feeds the insurance estimate. Fire risk is rated medium in Arcadia Vale against low in Fishing Point, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Arcadia Vale cumulative | Fishing Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,947 | $9,194 | $247 |
| Year 3 | $27,654 | $28,418 | $764 |
| Year 5 | $47,501 | $48,812 | $1,311 |
| Year 10 | $102,567 | $105,399 | $2,832 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Arcadia Vale or Fishing Point cheaper to live in?
Neither is named cheaper. Arcadia Vale runs $8,947 a year by car and Fishing Point $9,194, but most of the $247 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $47. Source: SuburbCost 2026 data.
What are council rates in Arcadia Vale and Fishing Point?
Annual council rates for a house are $1,763 in Arcadia Vale (Lake Macquarie rates (OLG) and $1,763 in Fishing Point (Lake Macquarie rates (OLG). Water and sewerage adds $1,377 in Arcadia Vale and $1,377 in Fishing Point. 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 Arcadia Vale and Fishing Point?
Annual driving commute costs are $4,207 from Arcadia Vale and $4,254 from Fishing Point to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Arcadia Vale and $2,400 from Fishing Point.
What is the 10-year cost difference between Arcadia Vale and Fishing Point?
At 3% annual cost growth, Arcadia Vale costs a cumulative $102,567 and Fishing Point costs $105,399 over 10 years by car. The cumulative difference is $2,832 in favour of Arcadia Vale. Excludes purchase price, mortgage, and personal expenses.
Which of Arcadia Vale and Fishing Point suits you better?
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Sources: Lake Macquarie rates (OLG and Lake Macquarie rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.