Bexley vs Bexley North, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bexley and Bexley North are both Bayside rates (OLG suburbs, sitting 12.3 km and 11.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $178 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 the gap between these two is about $2,000, about $4 a week, and most of it is the AI-estimated insurance line.
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Bexley North
Annual cost breakdown
| Category | Bexley | Bexley North | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,265 | $1,265 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,637 | $3,515 | +$122 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,150 | $1,450 | -$300 |
| Body corporate (unit) Estimated | $2,300 | $2,600 | -$300 |
| Total (driving) | $7,600 | $7,778 | -$178 |
| Total (public transport) | $6,349 | $6,649 | -$300 |
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 | Bexley | Bexley North | 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, Bexley vs Bexley North (2026-27)
What the numbers show
Bexley and Bexley North differ by $178 a year by car, but $300 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 $122, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year. Bexley North carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $6,349 from Bexley versus $6,649 from Bexley North.
Where the difference actually comes from
- Council rates is identical at $1,265 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bexley North by $122 a year, $3,515 against $3,637.
- Building insurance favours Bexley by $300 a year, $1,150 against $1,450.
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 medium in Bexley North against low in Bexley, which feeds the insurance estimate. The catchment state school scores 7.8 in Bexley North against 6.1 in Bexley, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Bexley cumulative | Bexley North cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,600 | $7,778 | $178 |
| Year 3 | $23,491 | $24,041 | $550 |
| Year 5 | $40,349 | $41,294 | $945 |
| Year 10 | $87,125 | $89,166 | $2,041 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bexley or Bexley North cheaper to live in?
Neither is named cheaper. Bexley runs $7,600 a year by car and Bexley North $7,778, but most of the $178 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $122. Source: SuburbCost 2026 data.
What are council rates in Bexley and Bexley North?
Annual council rates for a house are $1,265 in Bexley (Bayside rates (OLG) and $1,265 in Bexley North (Bayside rates (OLG). Water and sewerage adds $1,548 in Bexley and $1,548 in Bexley North. 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 Bexley and Bexley North?
Annual driving commute costs are $3,637 from Bexley and $3,515 from Bexley North to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Bexley and $2,386 from Bexley North.
What is the 10-year cost difference between Bexley and Bexley North?
At 3% annual cost growth, Bexley costs a cumulative $87,125 and Bexley North costs $89,166 over 10 years by car. The cumulative difference is $2,041 in favour of Bexley. Excludes purchase price, mortgage, and personal expenses.
Which of Bexley and Bexley North suits you better?
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Sources: Bayside rates (OLG and Bayside 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.