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 $886 a year cheaper than Georges Hall, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,157.
Over 10 years the gap between these two is about $10,200, about $20 a week, and most of it is the AI-estimated insurance line.
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Georges Hall
Annual cost breakdown
| Category | Bass Hill | Georges Hall | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,377 | $1,377 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,259 | $5,395 | -$136 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,300 | $2,050 | -$750 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,484 | $10,370 | -$886 |
| Total (public transport) | $6,625 | $7,375 | -$750 |
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 | 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 and Georges Hall differ by $886 a year by car, but $750 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 $136, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $750 per year. Georges Hall carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $750 per year, $6,625 from Bass Hill versus $7,375 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 $750 a year, $1,300 against $2,050.
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 | $9,484 | $10,370 | $886 |
| Year 3 | $29,314 | $32,053 | $2,739 |
| Year 5 | $50,352 | $55,056 | $4,704 |
| Year 10 | $108,723 | $118,880 | $10,157 |
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?
Neither is named cheaper. Bass Hill runs $9,484 a year by car and Georges Hall $10,370, but most of the $886 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $136. 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 $108,723 and Georges Hall costs $118,880 over 10 years by car. The cumulative difference is $10,157 in favour of Bass Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Bass Hill and Georges Hall suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.