Connells Point vs Hurstville Grove: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Connells Point and Hurstville Grove are both Georges River rates (OLG suburbs, sitting 16.4 km and 15.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hurstville Grove runs $754 a year cheaper than Connells Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,644.
Over 10 years, Hurstville Grove costs about $8,600 less to run than Connells Point — the same as paying $8,600 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 →Connells Point
Hurstville Grove
Annual cost breakdown
| Category | Connells Point | Hurstville Grove | Difference |
|---|---|---|---|
| Council rates | $1,447 | $1,447 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,556 | $4,452 | +$104 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,950 | $2,300 | +$650 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,501 | $9,747 | +$754 |
| Total (public transport) | $8,331 | $7,681 | +$650 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Connells Point | Hurstville Grove | 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 — Connells Point vs Hurstville Grove (2026-27)
What the numbers show
Hurstville Grove costs $754 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,644 in favour of Hurstville Grove.
The biggest single gap is home insurance at $650 per year. Connells Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,331 from Connells Point versus $7,681 from Hurstville Grove.
Where the difference actually comes from
- Council rates is identical at $1,447 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Hurstville Grove by $104 a year, $4,452 against $4,556.
- Building insurance favours Hurstville Grove by $650 a year, $2,300 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 Connells Point against medium in Hurstville Grove, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Connells Point cumulative | Hurstville Grove cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,501 | $9,747 | $754 |
| Year 3 | $32,458 | $30,127 | $2,331 |
| Year 5 | $55,751 | $51,748 | $4,003 |
| Year 10 | $120,382 | $111,738 | $8,644 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Connells Point or Hurstville Grove cheaper to live in?
Hurstville Grove is cheaper to run by car at $9,747 per year versus $10,501 for Connells Point, a difference of $754 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Connells Point and Hurstville Grove?
Annual council rates for a house are $1,447 in Connells Point (Georges River rates (OLG) and $1,447 in Hurstville Grove (Georges River rates (OLG). Water and sewerage adds $1,548 in Connells Point and $1,548 in Hurstville Grove. 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 Connells Point and Hurstville Grove?
Annual driving commute costs are $4,556 from Connells Point and $4,452 from Hurstville Grove to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Connells Point and $2,386 from Hurstville Grove.
What is the 10-year cost difference between Connells Point and Hurstville Grove?
At 3% annual cost growth, Connells Point costs a cumulative $120,382 and Hurstville Grove costs $111,738 over 10 years by car. The cumulative difference is $8,644 in favour of Hurstville Grove. Excludes purchase price, mortgage, and personal expenses.
Which of Connells Point and Hurstville Grove 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: Georges River rates (OLG and Georges River 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.