Blackwall vs Daleys Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Blackwall and Daleys Point are both Central Coast rates (OLG suburbs, sitting 42 km and 42.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Blackwall runs $383 a year cheaper than Daleys Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,390.
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 →Blackwall
Daleys Point
Annual cost breakdown
| Category | Blackwall | Daleys Point | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,742 | $6,725 | +$17 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,650 | -$400 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,746 | $13,129 | -$383 |
| Total (public transport) | $8,404 | $8,804 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Blackwall | Daleys Point | 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 — Blackwall vs Daleys Point (2026-27)
What the numbers show
Blackwall costs $383 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,390 in favour of Blackwall.
The biggest single gap is home insurance at $400 per year. Daleys Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,404 from Blackwall versus $8,804 from Daleys Point.
10-year cumulative cost projection
| Year | Blackwall cumulative | Daleys Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,746 | $13,129 | $383 |
| Year 3 | $39,397 | $40,580 | $1,183 |
| Year 5 | $67,670 | $69,704 | $2,034 |
| Year 10 | $146,119 | $150,509 | $4,390 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Blackwall or Daleys Point cheaper to live in?
Blackwall is cheaper to run by car at $12,746 per year versus $13,129 for Daleys Point, a difference of $383 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Blackwall and Daleys Point?
Annual council rates for a house are $1,454 in Blackwall (Central Coast rates (OLG) and $1,454 in Daleys Point (Central Coast rates (OLG). Water and sewerage adds $1,300 in Blackwall and $1,300 in Daleys Point. 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 Blackwall and Daleys Point?
Annual driving commute costs are $6,742 from Blackwall and $6,725 from Daleys Point to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Blackwall and $2,400 from Daleys Point.
What is the 10-year cost difference between Blackwall and Daleys Point?
At 3% annual cost growth, Blackwall costs a cumulative $146,119 and Daleys Point costs $150,509 over 10 years by car. The cumulative difference is $4,390 in favour of Blackwall. Excludes purchase price, mortgage, and personal expenses.
Which of Blackwall and Daleys Point 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: Central Coast rates (OLG and Central Coast 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.