Black Hill vs Lenaghan, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Black Hill (Cessnock rates (OLG) and Lenaghan (Newcastle rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Newcastle CBD (20.2 km and 16.1 km).
Lenaghan runs $1,032 a year cheaper than Black Hill, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $11,831.
Over 10 years the gap between these two is about $11,800, about $23 a week, and most of it is the AI-estimated insurance line.
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Lenaghan
Annual cost breakdown
| Category | Black Hill | Lenaghan | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,458 | $1,858 | -$400 |
| Water & sewerage Official, 2026-27 | $1,377 | $1,377 | - |
| Commute (driving) Modelled, 2026-27 | $5,276 | $4,494 | +$782 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,700 | $2,050 | +$650 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $10,811 | $9,779 | +$1,032 |
| Total (public transport) | $7,935 | $7,685 | +$250 |
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 | Black Hill | Lenaghan | 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, Black Hill vs Lenaghan (2026-27)
What the numbers show
Black Hill and Lenaghan differ by $1,032 a year by car, but $650 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 $382, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $782 per year. Black Hill is 20.2 km from Newcastle CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $250 per year, $7,935 from Black Hill versus $7,685 from Lenaghan.
Where the difference actually comes from
- Council rates favours Black Hill by $400 a year, $1,458 against $1,858.
- Water and sewerage is identical at $1,377 a year.
- Driving commute favours Lenaghan by $782 a year, $4,494 against $5,276.
- Building insurance favours Lenaghan by $650 a year, $2,050 against $2,700.
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 Black Hill against medium in Lenaghan, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Black Hill cumulative | Lenaghan cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,811 | $9,779 | $1,032 |
| Year 3 | $33,416 | $30,226 | $3,190 |
| Year 5 | $57,397 | $51,918 | $5,479 |
| Year 10 | $123,936 | $112,105 | $11,831 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Black Hill or Lenaghan cheaper to live in?
Neither is named cheaper. Black Hill runs $10,811 a year by car and Lenaghan $9,779, but most of the $1,032 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $382. Source: SuburbCost 2026 data.
What are council rates in Black Hill and Lenaghan?
Annual council rates for a house are $1,458 in Black Hill (Cessnock rates (OLG) and $1,858 in Lenaghan (Newcastle rates (OLG). Water and sewerage adds $1,377 in Black Hill and $1,377 in Lenaghan. 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 Black Hill and Lenaghan?
Annual driving commute costs are $5,276 from Black Hill and $4,494 from Lenaghan to Newcastle CBD (ATO 91c/km). Public transport costs $2,400 from Black Hill and $2,400 from Lenaghan.
What is the 10-year cost difference between Black Hill and Lenaghan?
At 3% annual cost growth, Black Hill costs a cumulative $123,936 and Lenaghan costs $112,105 over 10 years by car. The cumulative difference is $11,831 in favour of Lenaghan. Excludes purchase price, mortgage, and personal expenses.
Which of Black Hill and Lenaghan suits you better?
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Sources: Cessnock rates (OLG and Newcastle 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.