Arcadia Vale vs Fishing Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/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.
Arcadia Vale runs $396 a year cheaper than Fishing Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,540.
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 →Arcadia Vale
Fishing Point
Annual cost breakdown
| Category | Arcadia Vale | Fishing Point | Difference |
|---|---|---|---|
| Council rates | $1,763 | $1,763 | - |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $4,068 | $4,114 | -$46 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,800 | -$350 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $9,658 | $10,054 | -$396 |
| Total (public transport) | $7,990 | $8,340 | -$350 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Arcadia Vale | Fishing Point | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Arcadia Vale vs Fishing Point (2026-27)
What the numbers show
Arcadia Vale costs $396 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,540 in favour of Arcadia Vale.
The biggest single gap is home insurance at $350 per year. Fishing Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $350 per year, $7,990 from Arcadia Vale versus $8,340 from Fishing Point.
10-year cumulative cost projection
| Year | Arcadia Vale cumulative | Fishing Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,658 | $10,054 | $396 |
| Year 3 | $29,852 | $31,076 | $1,224 |
| Year 5 | $51,276 | $53,378 | $2,102 |
| Year 10 | $110,718 | $115,258 | $4,540 |
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?
Arcadia Vale is cheaper to run by car at $9,658 per year versus $10,054 for Fishing Point, a difference of $396 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. 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 $4,068 from Arcadia Vale and $4,114 from Fishing Point to Sydney CBD (ATO 88c/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 $110,718 and Fishing Point costs $115,258 over 10 years by car. The cumulative difference is $4,540 in favour of Arcadia Vale. Excludes purchase price, mortgage, and personal expenses.
Which of Arcadia Vale and Fishing Point 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.