Blackbutt vs Flinders: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Blackbutt and Flinders are both Shellharbour rates (OLG suburbs, sitting 85.1 km and 85.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $171 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 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 →Blackbutt
Flinders
Annual cost breakdown
| Category | Blackbutt | Flinders | Difference |
|---|---|---|---|
| Council rates | $1,865 | $1,865 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,595 | $3,616 | -$21 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,150 | -$150 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $9,008 | $9,179 | -$171 |
| Total (public transport) | $7,813 | $7,963 | -$150 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Blackbutt | Flinders | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Blackbutt vs Flinders (2026-27)
What the numbers show
Blackbutt and Flinders cost within $171 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,960, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $150 per year. Flinders carries medium flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,813 and $7,963 a year, so the $171 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Blackbutt cumulative | Flinders cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,008 | $9,179 | $171 |
| Year 3 | $27,843 | $28,371 | $528 |
| Year 5 | $47,825 | $48,733 | $908 |
| Year 10 | $103,267 | $105,227 | $1,960 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Blackbutt or Flinders cheaper to live in?
Blackbutt is cheaper to run by car at $9,008 per year versus $9,179 for Flinders, a difference of $171 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Blackbutt and Flinders?
Annual council rates for a house are $1,865 in Blackbutt (Shellharbour rates (OLG) and $1,865 in Flinders (Shellharbour rates (OLG). Water and sewerage adds $1,548 in Blackbutt and $1,548 in Flinders. 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 Blackbutt and Flinders?
Annual driving commute costs are $3,595 from Blackbutt and $3,616 from Flinders to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Blackbutt and $2,400 from Flinders.
What is the 10-year cost difference between Blackbutt and Flinders?
At 3% annual cost growth, Blackbutt costs a cumulative $103,267 and Flinders costs $105,227 over 10 years by car. The cumulative difference is $1,960 in favour of Blackbutt. Excludes purchase price, mortgage, and personal expenses.
Which of Blackbutt and Flinders 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: Shellharbour rates (OLG and Shellharbour rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.