Como vs Jannali: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Como and Jannali are both Sutherland rates (OLG suburbs, sitting 19.8 km and 20.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Jannali runs $612 a year cheaper than Como, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,016.
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 →Como
Jannali
Annual cost breakdown
| Category | Como | Jannali | Difference |
|---|---|---|---|
| Council rates | $1,617 | $1,617 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,207 | $5,395 | -$188 |
| Commute (public transport) | $2,386 | $2,400 | -$14 |
| Home insurance | $2,950 | $2,150 | +$800 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $11,322 | $10,710 | +$612 |
| Total (public transport) | $8,501 | $7,715 | +$786 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Como | Jannali | 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 — Como vs Jannali (2026-27)
What the numbers show
Jannali costs $612 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,016 in favour of Jannali.
The biggest single gap is home insurance at $800 per year. Como carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $786 per year, $8,501 from Como versus $7,715 from Jannali.
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 Como by $188 a year, $5,207 against $5,395.
- Building insurance favours Jannali by $800 a year, $2,150 against $2,950.
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.
Flood risk is rated high in Como against low in Jannali, which feeds the insurance estimate. Fire risk is rated medium in Jannali against low in Como, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Como cumulative | Jannali cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,322 | $10,710 | $612 |
| Year 3 | $34,995 | $33,104 | $1,891 |
| Year 5 | $60,110 | $56,861 | $3,249 |
| Year 10 | $129,794 | $122,778 | $7,016 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Como or Jannali cheaper to live in?
Jannali is cheaper to run by car at $10,710 per year versus $11,322 for Como, a difference of $612 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Como and Jannali?
Annual council rates for a house are $1,617 in Como (Sutherland rates (OLG) and $1,617 in Jannali (Sutherland rates (OLG). Water and sewerage adds $1,548 in Como and $1,548 in Jannali. 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 Como and Jannali?
Annual driving commute costs are $5,207 from Como and $5,395 from Jannali to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Como and $2,400 from Jannali.
What is the 10-year cost difference between Como and Jannali?
At 3% annual cost growth, Como costs a cumulative $129,794 and Jannali costs $122,778 over 10 years by car. The cumulative difference is $7,016 in favour of Jannali. Excludes purchase price, mortgage, and personal expenses.
Which of Como and Jannali 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: 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 AI insurance estimates. Data updated July 2026.