Belrose vs St Ives, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Belrose (Northern Beaches rates (OLG) and St Ives (Ku-ring-gai Council rates (IPART approved SRV, 29% in) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (15.7 km and 15.8 km).
Belrose runs $445 a year cheaper than St Ives, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $5,101.
Over 10 years, Belrose costs about $5,100 less to run than St Ives. That's about $10 a week.
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St Ives
Annual cost breakdown
| Category | Belrose | St Ives | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,766 | $2,189 | -$423 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $4,409 | $4,431 | -$22 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,573 | $10,018 | -$445 |
| Total (public transport) | $7,550 | $7,973 | -$423 |
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 | Belrose | St Ives | 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, Belrose vs St Ives (2026-27)
What the numbers show
Belrose costs $445 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,101 in favour of Belrose.
The biggest single gap is council rates at $423 per year.
On public transport the gap is $423 per year, $7,550 from Belrose versus $7,973 from St Ives.
Where the difference actually comes from
- Council rates favours Belrose by $423 a year, $1,766 against $2,189.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Belrose by $22 a year, $4,409 against $4,431.
- Building insurance is identical at $1,850 a year.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Fire risk is rated high in Belrose against medium in St Ives, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Belrose cumulative | St Ives cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,573 | $10,018 | $445 |
| Year 3 | $29,589 | $30,965 | $1,376 |
| Year 5 | $50,824 | $53,187 | $2,363 |
| Year 10 | $109,744 | $114,845 | $5,101 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Belrose or St Ives cheaper to live in?
Belrose is cheaper to run by car at $9,573 per year versus $10,018 for St Ives, a difference of $445 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Belrose and St Ives?
Annual council rates for a house are $1,766 in Belrose (Northern Beaches rates (OLG) and $2,189 in St Ives (Ku-ring-gai Council rates (IPART approved SRV, 29% in). Water and sewerage adds $1,548 in Belrose and $1,548 in St Ives. 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 Belrose and St Ives?
Annual driving commute costs are $4,409 from Belrose and $4,431 from St Ives to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Belrose and $2,386 from St Ives.
What is the 10-year cost difference between Belrose and St Ives?
At 3% annual cost growth, Belrose costs a cumulative $109,744 and St Ives costs $114,845 over 10 years by car. The cumulative difference is $5,101 in favour of Belrose. Excludes purchase price, mortgage, and personal expenses.
Which of Belrose and St Ives suits you better?
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Related comparisons
Sources: Northern Beaches rates (OLG and Ku-ring-gai Council rates (IPART approved SRV, 29% in 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.