Beaconsfield vs Rosebery: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Beaconsfield and Rosebery are both Sydney rates (OLG suburbs, sitting 4.8 km and 5.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Beaconsfield runs $303 a year cheaper than Rosebery, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,474.
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 →Beaconsfield
Rosebery
Annual cost breakdown
| Category | Beaconsfield | Rosebery | Difference |
|---|---|---|---|
| Council rates | $924 | $924 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,577 | $1,880 | -$303 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,300 | $2,300 | - |
| Body corporate (unit) | $3,500 | $2,600 | +$900 |
| Total (driving) | $6,349 | $6,652 | -$303 |
| Total (public transport) | $6,692 | $6,692 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Beaconsfield | Rosebery | 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 — Beaconsfield vs Rosebery (2026-27)
What the numbers show
Beaconsfield costs $303 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,474 in favour of Beaconsfield.
The biggest single gap is commute costs at $303 per year. Rosebery is 5.8 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,692 and $6,692 a year, so the $303 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $924 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Beaconsfield by $303 a year, $1,577 against $1,880.
- Building insurance is identical at $2,300 a year.
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.
The catchment state school scores 9.1 in Beaconsfield against 7.5 in Rosebery, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Beaconsfield cumulative | Rosebery cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,349 | $6,652 | $303 |
| Year 3 | $19,624 | $20,561 | $937 |
| Year 5 | $33,708 | $35,316 | $1,608 |
| Year 10 | $72,784 | $76,258 | $3,474 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Beaconsfield or Rosebery cheaper to live in?
Beaconsfield is cheaper to run by car at $6,349 per year versus $6,652 for Rosebery, a difference of $303 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Beaconsfield and Rosebery?
Annual council rates for a house are $924 in Beaconsfield (Sydney rates (OLG) and $924 in Rosebery (Sydney rates (OLG). Water and sewerage adds $1,548 in Beaconsfield and $1,548 in Rosebery. 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 Beaconsfield and Rosebery?
Annual driving commute costs are $1,577 from Beaconsfield and $1,880 from Rosebery to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Beaconsfield and $1,920 from Rosebery.
What is the 10-year cost difference between Beaconsfield and Rosebery?
At 3% annual cost growth, Beaconsfield costs a cumulative $72,784 and Rosebery costs $76,258 over 10 years by car. The cumulative difference is $3,474 in favour of Beaconsfield. Excludes purchase price, mortgage, and personal expenses.
Which of Beaconsfield and Rosebery 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: Sydney rates (OLG and Sydney 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.