Bundeena vs Jibbon, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bundeena and Jibbon are both Sutherland rates (OLG suburbs, sitting 24.6 km and 25.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bundeena runs $905 a year cheaper than Jibbon, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,375.
Over 10 years the gap between these two is about $10,400, about $20 a week, and most of it is the AI-estimated insurance line.
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Jibbon
Annual cost breakdown
| Category | Bundeena | Jibbon | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,617 | $1,617 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,953 | $6,058 | -$105 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $2,650 | -$800 |
| Body corporate (unit) Estimated | $2,300 | $2,100 | +$200 |
| Total (driving) | $10,968 | $11,873 | -$905 |
| Total (public transport) | $7,415 | $8,215 | -$800 |
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 | Bundeena | Jibbon | 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, Bundeena vs Jibbon (2026-27)
What the numbers show
Bundeena and Jibbon differ by $905 a year by car, but $800 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 $105, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $800 per year. Jibbon carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $800 per year, $7,415 from Bundeena versus $8,215 from Jibbon.
Where the difference actually comes from
- Council rates is identical at $1,617 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bundeena by $105 a year, $5,953 against $6,058.
- Building insurance favours Bundeena by $800 a year, $1,850 against $2,650.
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.
Fire risk is rated high in Jibbon against low in Bundeena, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bundeena cumulative | Jibbon cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,968 | $11,873 | $905 |
| Year 3 | $33,901 | $36,698 | $2,797 |
| Year 5 | $58,231 | $63,035 | $4,804 |
| Year 10 | $125,736 | $136,111 | $10,375 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bundeena or Jibbon cheaper to live in?
Neither is named cheaper. Bundeena runs $10,968 a year by car and Jibbon $11,873, but most of the $905 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $105. Source: SuburbCost 2026 data.
What are council rates in Bundeena and Jibbon?
Annual council rates for a house are $1,617 in Bundeena (Sutherland rates (OLG) and $1,617 in Jibbon (Sutherland rates (OLG). Water and sewerage adds $1,548 in Bundeena and $1,548 in Jibbon. 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 Bundeena and Jibbon?
Annual driving commute costs are $5,953 from Bundeena and $6,058 from Jibbon to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bundeena and $2,400 from Jibbon.
What is the 10-year cost difference between Bundeena and Jibbon?
At 3% annual cost growth, Bundeena costs a cumulative $125,736 and Jibbon costs $136,111 over 10 years by car. The cumulative difference is $10,375 in favour of Bundeena. Excludes purchase price, mortgage, and personal expenses.
Which of Bundeena and Jibbon suits you better?
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Sources: Sutherland rates (OLG and Sutherland 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.