Cremorne Point vs Kirribilli: 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 Point and Kirribilli are both North Sydney Council rates (IPART approved SRV, 23.3% in suburbs, sitting 3.5 km and 2.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Cremorne Point runs $306 a year cheaper than Kirribilli, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,508.
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 →Cremorne Point
Kirribilli
Annual cost breakdown
| Category | Cremorne Point | Kirribilli | Difference |
|---|---|---|---|
| Council rates | $1,327 | $1,327 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,131 | $787 | +$344 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,300 | $2,950 | -$650 |
| Body corporate (unit) | $3,500 | $3,500 | - |
| Total (driving) | $6,306 | $6,612 | -$306 |
| Total (public transport) | $7,095 | $7,745 | -$650 |
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 Point | Kirribilli | 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 Point vs Kirribilli (2026-27)
What the numbers show
Cremorne Point costs $306 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,508 in favour of Cremorne Point.
The biggest single gap is home insurance at $650 per year. Kirribilli carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,095 from Cremorne Point versus $7,745 from Kirribilli.
10-year cumulative cost projection
| Year | Cremorne Point cumulative | Kirribilli cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,306 | $6,612 | $306 |
| Year 3 | $19,491 | $20,437 | $946 |
| Year 5 | $33,479 | $35,104 | $1,625 |
| Year 10 | $72,291 | $75,799 | $3,508 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cremorne Point or Kirribilli cheaper to live in?
Cremorne Point is cheaper to run by car at $6,306 per year versus $6,612 for Kirribilli, a difference of $306 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cremorne Point and Kirribilli?
Annual council rates for a house are $1,327 in Cremorne Point (North Sydney Council rates (IPART approved SRV, 23.3% in) and $1,327 in Kirribilli (North Sydney Council rates (IPART approved SRV, 23.3% in). Water and sewerage adds $1,548 in Cremorne Point and $1,548 in Kirribilli. 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 Point and Kirribilli?
Annual driving commute costs are $1,131 from Cremorne Point and $787 from Kirribilli to Sydney CBD (ATO 88c/km). Public transport costs $1,920 from Cremorne Point and $1,920 from Kirribilli.
What is the 10-year cost difference between Cremorne Point and Kirribilli?
At 3% annual cost growth, Cremorne Point costs a cumulative $72,291 and Kirribilli costs $75,799 over 10 years by car. The cumulative difference is $3,508 in favour of Cremorne Point. Excludes purchase price, mortgage, and personal expenses.
Which of Cremorne Point and Kirribilli 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 North Sydney Council rates (IPART approved SRV, 23.3% in 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.