Bolton Point vs Marmong Point, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bolton Point and Marmong Point are both Lake Macquarie rates (OLG suburbs, sitting 17.6 km and 16.3 km from Newcastle CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bolton Point runs $388 a year cheaper than Marmong Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,448.
Over 10 years the gap between these two is about $4,400, about $9 a week, and most of it is the AI-estimated insurance line.
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Marmong Point
Annual cost breakdown
| Category | Bolton Point | Marmong Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,763 | $1,763 | - |
| Water & sewerage Official, 2026-27 | $1,377 | $1,377 | - |
| Commute (driving) Modelled, 2026-27 | $4,797 | $4,535 | +$262 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $2,250 | -$650 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $9,537 | $9,925 | -$388 |
| Total (public transport) | $7,140 | $7,790 | -$650 |
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 | Bolton Point | Marmong Point | 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, Bolton Point vs Marmong Point (2026-27)
What the numbers show
Bolton Point and Marmong Point differ by $388 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 $262, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $650 per year. Marmong Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,140 from Bolton Point versus $7,790 from Marmong Point.
Where the difference actually comes from
- Council rates is identical at $1,763 a year.
- Water and sewerage is identical at $1,377 a year.
- Driving commute favours Marmong Point by $262 a year, $4,535 against $4,797.
- Building insurance favours Bolton Point by $650 a year, $1,600 against $2,250.
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 high in Marmong Point against medium in Bolton Point, which feeds the insurance estimate. Fire risk is rated high in Marmong Point against medium in Bolton Point, which feeds the insurance estimate. The catchment state school scores 4.3 in Marmong Point against 3.2 in Bolton Point, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Bolton Point cumulative | Marmong Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,537 | $9,925 | $388 |
| Year 3 | $29,478 | $30,677 | $1,199 |
| Year 5 | $50,633 | $52,693 | $2,060 |
| Year 10 | $109,331 | $113,779 | $4,448 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bolton Point or Marmong Point cheaper to live in?
Neither is named cheaper. Bolton Point runs $9,537 a year by car and Marmong Point $9,925, but most of the $388 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $262. Source: SuburbCost 2026 data.
What are council rates in Bolton Point and Marmong Point?
Annual council rates for a house are $1,763 in Bolton Point (Lake Macquarie rates (OLG) and $1,763 in Marmong Point (Lake Macquarie rates (OLG). Water and sewerage adds $1,377 in Bolton Point and $1,377 in Marmong 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 Bolton Point and Marmong Point?
Annual driving commute costs are $4,797 from Bolton Point and $4,535 from Marmong Point to Newcastle CBD (ATO 91c/km). Public transport costs $2,400 from Bolton Point and $2,400 from Marmong Point.
What is the 10-year cost difference between Bolton Point and Marmong Point?
At 3% annual cost growth, Bolton Point costs a cumulative $109,331 and Marmong Point costs $113,779 over 10 years by car. The cumulative difference is $4,448 in favour of Bolton Point. Excludes purchase price, mortgage, and personal expenses.
Which of Bolton Point and Marmong Point suits you better?
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Sources: Lake Macquarie rates (OLG and Lake Macquarie 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.