Avalon Beach vs Clareville: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Avalon Beach and Clareville are both Northern Beaches rates (OLG suburbs, sitting 29.1 km and 27.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $148 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 →Avalon Beach
Clareville
Annual cost breakdown
| Category | Avalon Beach | Clareville | Difference |
|---|---|---|---|
| Council rates | $1,766 | $1,766 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,257 | $6,109 | +$148 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,300 | $2,300 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,871 | $11,723 | +$148 |
| Total (public transport) | $8,014 | $8,014 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Avalon Beach | Clareville | 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 — Avalon Beach vs Clareville (2026-27)
What the numbers show
Avalon Beach and Clareville cost within $148 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,697, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $148 per year. Avalon Beach is 29.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,014 and $8,014 a year, so the $148 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Avalon Beach cumulative | Clareville cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,871 | $11,723 | $148 |
| Year 3 | $36,692 | $36,235 | $457 |
| Year 5 | $63,025 | $62,239 | $786 |
| Year 10 | $136,088 | $134,391 | $1,697 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Avalon Beach or Clareville cheaper to live in?
Clareville is cheaper to run by car at $11,723 per year versus $11,871 for Avalon Beach, a difference of $148 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Avalon Beach and Clareville?
Annual council rates for a house are $1,766 in Avalon Beach (Northern Beaches rates (OLG) and $1,766 in Clareville (Northern Beaches rates (OLG). Water and sewerage adds $1,548 in Avalon Beach and $1,548 in Clareville. 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 Avalon Beach and Clareville?
Annual driving commute costs are $6,257 from Avalon Beach and $6,109 from Clareville to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Avalon Beach and $2,400 from Clareville.
What is the 10-year cost difference between Avalon Beach and Clareville?
At 3% annual cost growth, Avalon Beach costs a cumulative $136,088 and Clareville costs $134,391 over 10 years by car. The cumulative difference is $1,697 in favour of Clareville. Excludes purchase price, mortgage, and personal expenses.
Which of Avalon Beach and Clareville 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: Northern Beaches rates (OLG and Northern Beaches 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.