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.
Bexley runs $328 a year cheaper than Bexley North, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,760.
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 →Bexley
Bexley North
Annual cost breakdown
| Category | Bexley | Bexley North | Difference |
|---|---|---|---|
| Council rates | $1,265 | $1,265 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,637 | $3,515 | +$122 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $1,850 | $2,300 | -$450 |
| Body corporate (unit) | $2,300 | $2,600 | -$300 |
| Total (driving) | $8,300 | $8,628 | -$328 |
| Total (public transport) | $7,049 | $7,499 | -$450 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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 costs $328 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,760 in favour of Bexley.
The biggest single gap is home insurance at $450 per year. Bexley North carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,049 from Bexley versus $7,499 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 $450 a year, $1,850 against $2,300.
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 | $8,300 | $8,628 | $328 |
| Year 3 | $25,654 | $26,668 | $1,014 |
| Year 5 | $44,066 | $45,807 | $1,741 |
| Year 10 | $95,150 | $98,910 | $3,760 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bexley or Bexley North cheaper to live in?
Bexley is cheaper to run by car at $8,300 per year versus $8,628 for Bexley North, a difference of $328 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. 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 $95,150 and Bexley North costs $98,910 over 10 years by car. The cumulative difference is $3,760 in favour of Bexley. Excludes purchase price, mortgage, and personal expenses.
Which of Bexley and Bexley North 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.
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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 AI insurance estimates. Data updated July 2026.