Cremorne vs Mosman: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/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 $1,032 a year cheaper than Mosman, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $11,830.
Over 10 years, Cremorne costs about $11,800 less to run than Mosman — the same as paying $11,800 less for the home. It's the cost no listing shows you.
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Mosman
Annual cost breakdown
| Category | Cremorne | Mosman | Difference |
|---|---|---|---|
| Council rates | $1,327 | $1,766 | -$439 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,554 | $1,847 | -$293 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $1,850 | $2,150 | -$300 |
| Body corporate (unit) | $3,500 | $2,600 | +$900 |
| Total (driving) | $6,279 | $7,311 | -$1,032 |
| Total (public transport) | $6,645 | $7,384 | -$739 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cremorne | Mosman | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Cremorne vs Mosman (2026-27)
What the numbers show
Cremorne costs $1,032 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $11,830 in favour of Cremorne.
The biggest single gap is council rates at $439 per year.
On public transport the gap is $739 per year, $6,645 from Cremorne versus $7,384 from Mosman.
10-year cumulative cost projection
| Year | Cremorne cumulative | Mosman cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,279 | $7,311 | $1,032 |
| Year 3 | $19,408 | $22,598 | $3,190 |
| Year 5 | $33,336 | $38,815 | $5,479 |
| Year 10 | $71,982 | $83,812 | $11,830 |
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 $6,279 per year versus $7,311 for Mosman, a difference of $1,032 annually. Figures cover council rates, water, commute (ATO 88c/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 $1,554 from Cremorne and $1,847 from Mosman to Sydney CBD (ATO 88c/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 $71,982 and Mosman costs $83,812 over 10 years by car. The cumulative difference is $11,830 in favour of Cremorne. Excludes purchase price, mortgage, and personal expenses.
Which of Cremorne and Mosman 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.