Breakfast Point vs Tennyson 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
Breakfast Point (Canada Bay rates (OLG) and Tennyson Point (Ryde rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (9.5 km and 9.4 km).
Breakfast Point runs $484 a year cheaper than Tennyson Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,549.
Over 10 years the gap between these two is about $5,500, about $11 a week, and most of it is the AI-estimated insurance line.
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Tennyson Point
Annual cost breakdown
| Category | Breakfast Point | Tennyson Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,268 | $1,278 | -$10 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $2,925 | $2,899 | +$26 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $7,591 | $8,075 | -$484 |
| Total (public transport) | $6,586 | $7,096 | -$510 |
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 | Breakfast Point | Tennyson 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, Breakfast Point vs Tennyson Point (2026-27)
What the numbers show
Breakfast Point and Tennyson Point differ by $484 a year by car, but $500 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 $16, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Tennyson Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $510 per year, $6,586 from Breakfast Point versus $7,096 from Tennyson Point.
Where the difference actually comes from
- Council rates favours Breakfast Point by $10 a year, $1,268 against $1,278.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Tennyson Point by $26 a year, $2,899 against $2,925.
- Building insurance favours Breakfast Point by $500 a year, $1,850 against $2,350.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
The catchment state school scores 9.2 in Tennyson Point against 8 in Breakfast Point, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Breakfast Point cumulative | Tennyson Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,591 | $8,075 | $484 |
| Year 3 | $23,463 | $24,959 | $1,496 |
| Year 5 | $40,302 | $42,871 | $2,569 |
| Year 10 | $87,022 | $92,571 | $5,549 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Breakfast Point or Tennyson Point cheaper to live in?
Neither is named cheaper. Breakfast Point runs $7,591 a year by car and Tennyson Point $8,075, but most of the $484 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $16. Source: SuburbCost 2026 data.
What are council rates in Breakfast Point and Tennyson Point?
Annual council rates for a house are $1,268 in Breakfast Point (Canada Bay rates (OLG) and $1,278 in Tennyson Point (Ryde rates (OLG). Water and sewerage adds $1,548 in Breakfast Point and $1,548 in Tennyson 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 Breakfast Point and Tennyson Point?
Annual driving commute costs are $2,925 from Breakfast Point and $2,899 from Tennyson Point to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Breakfast Point and $1,920 from Tennyson Point.
What is the 10-year cost difference between Breakfast Point and Tennyson Point?
At 3% annual cost growth, Breakfast Point costs a cumulative $87,022 and Tennyson Point costs $92,571 over 10 years by car. The cumulative difference is $5,549 in favour of Breakfast Point. Excludes purchase price, mortgage, and personal expenses.
Which of Breakfast Point and Tennyson Point suits you better?
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Sources: Canada Bay rates (OLG and Ryde 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.