Breakfast Point vs Concord: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Breakfast Point and Concord are both Canada Bay rates (OLG suburbs, sitting 9.5 km and 9.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Breakfast Point
Concord
Annual cost breakdown
| Category | Breakfast Point | Concord | Difference |
|---|---|---|---|
| Council rates | $1,268 | $1,268 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $2,925 | $2,925 | - |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $8,691 | $8,691 | - |
| Total (public transport) | $7,686 | $7,686 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Breakfast Point | Concord | 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 — Breakfast Point vs Concord (2026-27)
What the numbers show
Breakfast Point and Concord cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $7,686 and $7,686 a year, so the $0 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,268 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute is identical at $2,925 a year.
- Building insurance is identical at $2,950 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. On these four costs they are identical.
10-year cumulative cost projection
| Year | Breakfast Point cumulative | Concord cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,691 | $8,691 | $0 |
| Year 3 | $26,863 | $26,863 | $0 |
| Year 5 | $46,142 | $46,142 | $0 |
| Year 10 | $99,633 | $99,633 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Breakfast Point or Concord cheaper to live in?
Breakfast Point is cheaper to run by car at $8,691 per year versus $8,691 for Concord, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Breakfast Point and Concord?
Annual council rates for a house are $1,268 in Breakfast Point (Canada Bay rates (OLG) and $1,268 in Concord (Canada Bay rates (OLG). Water and sewerage adds $1,548 in Breakfast Point and $1,548 in Concord. 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 Breakfast Point and Concord?
Annual driving commute costs are $2,925 from Breakfast Point and $2,925 from Concord to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Breakfast Point and $1,920 from Concord.
What is the 10-year cost difference between Breakfast Point and Concord?
At 3% annual cost growth, Breakfast Point costs a cumulative $99,633 and Concord costs $99,633 over 10 years by car. The cumulative difference is $0 in favour of Breakfast Point. Excludes purchase price, mortgage, and personal expenses.
Which of Breakfast Point and Concord 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: Canada Bay rates (OLG and Canada Bay rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.