Cockwhy vs East Lynne: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Cockwhy and East Lynne are both Shoalhaven rates (OLG suburbs, sitting 206 km and 208.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Cockwhy
East Lynne
Annual cost breakdown
| Category | Cockwhy | East Lynne | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,847 | $22,847 | - |
| Total (public transport) | $7,647 | $7,647 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cockwhy | East Lynne | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Cockwhy vs East Lynne (2026-27)
What the numbers show
Cockwhy and East Lynne cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $7,647 and $7,647 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Cockwhy cumulative | East Lynne cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,847 | $22,847 | $0 |
| Year 3 | $70,618 | $70,618 | $0 |
| Year 5 | $121,298 | $121,298 | $0 |
| Year 10 | $261,915 | $261,915 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cockwhy or East Lynne cheaper to live in?
Cockwhy is cheaper to run by car at $22,847 per year versus $22,847 for East Lynne, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cockwhy and East Lynne?
Annual council rates for a house are $1,547 in Cockwhy (Shoalhaven rates (OLG) and $1,547 in East Lynne (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Cockwhy and $1,300 in East Lynne. 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 Cockwhy and East Lynne?
Annual driving commute costs are $17,600 from Cockwhy and $17,600 from East Lynne to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Cockwhy and $2,400 from East Lynne.
What is the 10-year cost difference between Cockwhy and East Lynne?
At 3% annual cost growth, Cockwhy costs a cumulative $261,915 and East Lynne costs $261,915 over 10 years by car. The cumulative difference is $0 in favour of Cockwhy. Excludes purchase price, mortgage, and personal expenses.
Which of Cockwhy and East Lynne 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.
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Sources: Shoalhaven rates (OLG and Shoalhaven 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.