Breakfast Point vs Mortlake: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Breakfast Point and Mortlake are both Canada Bay rates (OLG suburbs, sitting 9.5 km and 10.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $153 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 →Breakfast Point
Mortlake
Annual cost breakdown
| Category | Breakfast Point | Mortlake | Difference |
|---|---|---|---|
| Council rates | $1,268 | $1,268 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $2,829 | $2,982 | -$153 |
| Commute (public transport) | $1,920 | $2,386 | -$466 |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $8,595 | $8,748 | -$153 |
| Total (public transport) | $7,686 | $8,152 | -$466 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Breakfast Point | Mortlake | 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 — Breakfast Point vs Mortlake (2026-27)
What the numbers show
Breakfast Point and Mortlake cost within $153 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,754, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $153 per year. Mortlake is 10.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $466 per year, $7,686 from Breakfast Point versus $8,152 from Mortlake.
10-year cumulative cost projection
| Year | Breakfast Point cumulative | Mortlake cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,595 | $8,748 | $153 |
| Year 3 | $26,566 | $27,039 | $473 |
| Year 5 | $45,632 | $46,444 | $812 |
| Year 10 | $98,532 | $100,286 | $1,754 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Breakfast Point or Mortlake cheaper to live in?
Breakfast Point is cheaper to run by car at $8,595 per year versus $8,748 for Mortlake, a difference of $153 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Breakfast Point and Mortlake?
Annual council rates for a house are $1,268 in Breakfast Point (Canada Bay rates (OLG) and $1,268 in Mortlake (Canada Bay rates (OLG). Water and sewerage adds $1,548 in Breakfast Point and $1,548 in Mortlake. 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 Mortlake?
Annual driving commute costs are $2,829 from Breakfast Point and $2,982 from Mortlake to Sydney CBD (ATO 88c/km). Public transport costs $1,920 from Breakfast Point and $2,386 from Mortlake.
What is the 10-year cost difference between Breakfast Point and Mortlake?
At 3% annual cost growth, Breakfast Point costs a cumulative $98,532 and Mortlake costs $100,286 over 10 years by car. The cumulative difference is $1,754 in favour of Breakfast Point. Excludes purchase price, mortgage, and personal expenses.
Which of Breakfast Point and Mortlake 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.