Chatswood vs North Willoughby: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Chatswood and North Willoughby are both Willoughby rates (OLG suburbs, sitting 8.7 km and 8.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $109 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 →Chatswood
North Willoughby
Annual cost breakdown
| Category | Chatswood | North Willoughby | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $2,709 | $2,600 | +$109 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $7,448 | $7,339 | +$109 |
| Total (public transport) | $6,659 | $6,659 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Chatswood | North Willoughby | 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 — Chatswood vs North Willoughby (2026-27)
What the numbers show
Chatswood and North Willoughby cost within $109 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,250, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $109 per year. Chatswood is 8.7 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,659 and $6,659 a year, so the $109 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,341 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours North Willoughby by $109 a year, $2,600 against $2,709.
- Building insurance is identical at $1,850 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. What separates them is commute distance.
10-year cumulative cost projection
| Year | Chatswood cumulative | North Willoughby cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,448 | $7,339 | $109 |
| Year 3 | $23,021 | $22,684 | $337 |
| Year 5 | $39,542 | $38,964 | $578 |
| Year 10 | $85,383 | $84,133 | $1,250 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Chatswood or North Willoughby cheaper to live in?
North Willoughby is cheaper to run by car at $7,339 per year versus $7,448 for Chatswood, a difference of $109 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Chatswood and North Willoughby?
Annual council rates for a house are $1,341 in Chatswood (Willoughby rates (OLG) and $1,341 in North Willoughby (Willoughby rates (OLG). Water and sewerage adds $1,548 in Chatswood and $1,548 in North Willoughby. 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 Chatswood and North Willoughby?
Annual driving commute costs are $2,709 from Chatswood and $2,600 from North Willoughby to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Chatswood and $1,920 from North Willoughby.
What is the 10-year cost difference between Chatswood and North Willoughby?
At 3% annual cost growth, Chatswood costs a cumulative $85,383 and North Willoughby costs $84,133 over 10 years by car. The cumulative difference is $1,250 in favour of North Willoughby. Excludes purchase price, mortgage, and personal expenses.
Which of Chatswood and North Willoughby 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: Willoughby rates (OLG and Willoughby 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.