Bass Hill vs Georges Hall: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bass Hill and Georges Hall are both Canterbury-Bankstown rates (OLG suburbs, sitting 20.1 km and 20.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bass Hill runs $1,236 a year cheaper than Georges Hall, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $14,169.
Over 10 years, Bass Hill costs about $14,200 less to run than Georges Hall — the same as paying $14,200 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bass Hill
Georges Hall
Annual cost breakdown
| Category | Bass Hill | Georges Hall | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,377 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,259 | $5,395 | -$136 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,950 | -$1,100 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,034 | $11,270 | -$1,236 |
| Total (public transport) | $7,175 | $8,275 | -$1,100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bass Hill | Georges Hall | 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 — Bass Hill vs Georges Hall (2026-27)
What the numbers show
Bass Hill costs $1,236 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $14,169 in favour of Bass Hill.
The biggest single gap is home insurance at $1,100 per year. Georges Hall carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $7,175 from Bass Hill versus $8,275 from Georges Hall.
Where the difference actually comes from
- Council rates is identical at $1,377 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bass Hill by $136 a year, $5,259 against $5,395.
- Building insurance favours Bass Hill by $1,100 a year, $1,850 against $2,950.
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 Georges Hall against low in Bass Hill, which feeds the insurance estimate. The catchment state school scores 6.4 in Georges Hall against 4.2 in Bass Hill, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Bass Hill cumulative | Georges Hall cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,034 | $11,270 | $1,236 |
| Year 3 | $31,014 | $34,834 | $3,820 |
| Year 5 | $53,272 | $59,834 | $6,562 |
| Year 10 | $115,029 | $129,198 | $14,169 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bass Hill or Georges Hall cheaper to live in?
Bass Hill is cheaper to run by car at $10,034 per year versus $11,270 for Georges Hall, a difference of $1,236 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bass Hill and Georges Hall?
Annual council rates for a house are $1,377 in Bass Hill (Canterbury-Bankstown rates (OLG) and $1,377 in Georges Hall (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Bass Hill and $1,548 in Georges Hall. 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 Bass Hill and Georges Hall?
Annual driving commute costs are $5,259 from Bass Hill and $5,395 from Georges Hall to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bass Hill and $2,400 from Georges Hall.
What is the 10-year cost difference between Bass Hill and Georges Hall?
At 3% annual cost growth, Bass Hill costs a cumulative $115,029 and Georges Hall costs $129,198 over 10 years by car. The cumulative difference is $14,169 in favour of Bass Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Bass Hill and Georges Hall 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: Canterbury-Bankstown rates (OLG and Canterbury-Bankstown 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.