Chullora vs Potts Hill: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Chullora and Potts Hill are both Canterbury-Bankstown rates (OLG suburbs, sitting 15.5 km and 16.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $271 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 →Chullora
Potts Hill
Annual cost breakdown
| Category | Chullora | Potts Hill | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,377 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,367 | $4,638 | -$271 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,142 | $9,413 | -$271 |
| Total (public transport) | $7,161 | $7,161 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Chullora | Potts Hill | 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 — Chullora vs Potts Hill (2026-27)
What the numbers show
Chullora and Potts Hill cost within $271 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,106, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $271 per year. Potts Hill is 16.8 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, $7,161 and $7,161 a year, so the $271 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,377 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Chullora by $271 a year, $4,367 against $4,638.
- 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 | Chullora cumulative | Potts Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,142 | $9,413 | $271 |
| Year 3 | $28,257 | $29,095 | $838 |
| Year 5 | $48,536 | $49,975 | $1,439 |
| Year 10 | $104,803 | $107,909 | $3,106 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Chullora or Potts Hill cheaper to live in?
Chullora is cheaper to run by car at $9,142 per year versus $9,413 for Potts Hill, a difference of $271 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Chullora and Potts Hill?
Annual council rates for a house are $1,377 in Chullora (Canterbury-Bankstown rates (OLG) and $1,377 in Potts Hill (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Chullora and $1,548 in Potts Hill. 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 Chullora and Potts Hill?
Annual driving commute costs are $4,367 from Chullora and $4,638 from Potts Hill to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Chullora and $2,386 from Potts Hill.
What is the 10-year cost difference between Chullora and Potts Hill?
At 3% annual cost growth, Chullora costs a cumulative $104,803 and Potts Hill costs $107,909 over 10 years by car. The cumulative difference is $3,106 in favour of Chullora. Excludes purchase price, mortgage, and personal expenses.
Which of Chullora and Potts Hill 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: Canterbury-Bankstown rates (OLG and Canterbury-Bankstown 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.