Bundeena vs Jibbon: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/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 $801 a year cheaper than Jibbon, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,183.
Over 10 years, Bundeena costs about $9,200 less to run than Jibbon — the same as paying $9,200 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bundeena
Jibbon
Annual cost breakdown
| Category | Bundeena | Jibbon | Difference |
|---|---|---|---|
| Council rates | $1,617 | $1,617 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,757 | $5,858 | -$101 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,950 | $3,650 | -$700 |
| Body corporate (unit) | $2,300 | $2,100 | +$200 |
| Total (driving) | $11,872 | $12,673 | -$801 |
| Total (public transport) | $8,515 | $9,215 | -$700 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bundeena | Jibbon | 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 — Bundeena vs Jibbon (2026-27)
What the numbers show
Bundeena costs $801 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,183 in favour of Bundeena.
The biggest single gap is home insurance at $700 per year. Jibbon carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $700 per year, $8,515 from Bundeena versus $9,215 from Jibbon.
10-year cumulative cost projection
| Year | Bundeena cumulative | Jibbon cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,872 | $12,673 | $801 |
| Year 3 | $36,695 | $39,171 | $2,476 |
| Year 5 | $63,030 | $67,283 | $4,253 |
| Year 10 | $136,099 | $145,282 | $9,183 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bundeena or Jibbon cheaper to live in?
Bundeena is cheaper to run by car at $11,872 per year versus $12,673 for Jibbon, a difference of $801 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. 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 $5,757 from Bundeena and $5,858 from Jibbon to Sydney CBD (ATO 88c/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 $136,099 and Jibbon costs $145,282 over 10 years by car. The cumulative difference is $9,183 in favour of Bundeena. Excludes purchase price, mortgage, and personal expenses.
Which of Bundeena and Jibbon 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: Sutherland rates (OLG and Sutherland 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.