Blue Knob vs Stony Chute, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Blue Knob and Stony Chute are both Lismore rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Stony Chute runs $350 a year cheaper than Blue Knob, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,013.
Over 10 years the gap between these two is about $4,000, about $8 a week, and most of it is the AI-estimated insurance line.
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Stony Chute
Annual cost breakdown
| Category | Blue Knob | Stony Chute | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,534 | $1,534 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,150 | $1,800 | +$350 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,184 | $22,834 | +$350 |
| Total (public transport) | $23,184 | $22,834 | +$350 |
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 | Blue Knob | Stony Chute | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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, Blue Knob vs Stony Chute (2026-27)
What the numbers show
Blue Knob and Stony Chute differ by $350 a year by car, but $350 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 $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year.
On public transport the gap is $350 per year, $23,184 from Blue Knob versus $22,834 from Stony Chute.
Where the difference actually comes from
- Council rates is identical at $1,534 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Stony Chute by $350 a year, $1,800 against $2,150.
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 the insurance band.
Fire risk is rated high in Blue Knob against medium in Stony Chute, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Blue Knob cumulative | Stony Chute cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,184 | $22,834 | $350 |
| Year 3 | $71,659 | $70,578 | $1,081 |
| Year 5 | $123,087 | $121,229 | $1,858 |
| Year 10 | $265,779 | $261,766 | $4,013 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Blue Knob or Stony Chute cheaper to live in?
Neither is named cheaper. Blue Knob runs $23,184 a year by car and Stony Chute $22,834, but most of the $350 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Blue Knob and Stony Chute?
Annual council rates for a house are $1,534 in Blue Knob (Lismore rates (OLG) and $1,534 in Stony Chute (Lismore rates (OLG). Water and sewerage adds $1,300 in Blue Knob and $1,300 in Stony Chute. 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 Blue Knob and Stony Chute?
Blue Knob carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Stony Chute carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Blue Knob and Stony Chute?
At 3% annual cost growth, Blue Knob costs a cumulative $265,779 and Stony Chute costs $261,766 over 10 years by car. The cumulative difference is $4,013 in favour of Stony Chute. Excludes purchase price, mortgage, and personal expenses.
Which of Blue Knob and Stony Chute suits you better?
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Sources: Lismore rates (OLG and Lismore 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.