Cremorne vs Mosman, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Cremorne (North Sydney Council rates (IPART approved SRV, 23.3% in) and Mosman (Mosman rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (4.9 km and 5.9 km).
Cremorne runs $942 a year cheaper than Mosman, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $10,799.
Over 10 years, Cremorne costs about $10,800 less to run than Mosman. That's about $21 a week.
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Mosman
Annual cost breakdown
| Category | Cremorne | Mosman | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,327 | $1,766 | -$439 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $1,607 | $1,910 | -$303 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,500 | $1,700 | -$200 |
| Body corporate (unit) Estimated | $3,500 | $2,600 | +$900 |
| Total (driving) | $5,982 | $6,924 | -$942 |
| Total (public transport) | $6,295 | $6,934 | -$639 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cremorne | Mosman | 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, Cremorne vs Mosman (2026-27)
What the numbers show
Cremorne costs $942 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $10,799 in favour of Cremorne.
The biggest single gap is council rates at $439 per year.
On public transport the gap is $639 per year, $6,295 from Cremorne versus $6,934 from Mosman.
Where the difference actually comes from
- Council rates favours Cremorne by $439 a year, $1,327 against $1,766.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Cremorne by $303 a year, $1,607 against $1,910.
- Building insurance favours Cremorne by $200 a year, $1,500 against $1,700.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Fire risk is rated medium in Mosman against low in Cremorne, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Cremorne cumulative | Mosman cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,982 | $6,924 | $942 |
| Year 3 | $18,490 | $21,401 | $2,911 |
| Year 5 | $31,759 | $36,760 | $5,001 |
| Year 10 | $68,577 | $79,376 | $10,799 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cremorne or Mosman cheaper to live in?
Cremorne is cheaper to run by car at $5,982 per year versus $6,924 for Mosman, a difference of $942 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cremorne and Mosman?
Annual council rates for a house are $1,327 in Cremorne (North Sydney Council rates (IPART approved SRV, 23.3% in) and $1,766 in Mosman (Mosman rates (OLG). Water and sewerage adds $1,548 in Cremorne and $1,548 in Mosman. 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 Cremorne and Mosman?
Annual driving commute costs are $1,607 from Cremorne and $1,910 from Mosman to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Cremorne and $1,920 from Mosman.
What is the 10-year cost difference between Cremorne and Mosman?
At 3% annual cost growth, Cremorne costs a cumulative $68,577 and Mosman costs $79,376 over 10 years by car. The cumulative difference is $10,799 in favour of Cremorne. Excludes purchase price, mortgage, and personal expenses.
Which of Cremorne and Mosman suits you better?
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Related comparisons
Sources: North Sydney Council rates (IPART approved SRV, 23.3% in and Mosman rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.