Cunjurong Point vs Lake Conjola: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Cunjurong Point and Lake Conjola are both Shoalhaven rates (OLG suburbs, sitting 168.1 km and 168.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Cunjurong Point runs $650 a year cheaper than Lake Conjola, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,452.
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 →Cunjurong Point
Lake Conjola
Annual cost breakdown
| Category | Cunjurong Point | Lake Conjola | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $3,500 | -$650 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,297 | $23,947 | -$650 |
| Total (public transport) | $8,097 | $8,747 | -$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 | Cunjurong Point | Lake Conjola | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Cunjurong Point vs Lake Conjola (2026-27)
What the numbers show
Cunjurong Point costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,452 in favour of Cunjurong Point.
The biggest single gap is home insurance at $650 per year. Lake Conjola carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,097 from Cunjurong Point versus $8,747 from Lake Conjola.
10-year cumulative cost projection
| Year | Cunjurong Point cumulative | Lake Conjola cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,297 | $23,947 | $650 |
| Year 3 | $72,009 | $74,018 | $2,009 |
| Year 5 | $123,687 | $127,138 | $3,451 |
| Year 10 | $267,074 | $274,526 | $7,452 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cunjurong Point or Lake Conjola cheaper to live in?
Cunjurong Point is cheaper to run by car at $23,297 per year versus $23,947 for Lake Conjola, a difference of $650 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cunjurong Point and Lake Conjola?
Annual council rates for a house are $1,547 in Cunjurong Point (Shoalhaven rates (OLG) and $1,547 in Lake Conjola (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Cunjurong Point and $1,300 in Lake Conjola. 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 Cunjurong Point and Lake Conjola?
Annual driving commute costs are $17,600 from Cunjurong Point and $17,600 from Lake Conjola to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Cunjurong Point and $2,400 from Lake Conjola.
What is the 10-year cost difference between Cunjurong Point and Lake Conjola?
At 3% annual cost growth, Cunjurong Point costs a cumulative $267,074 and Lake Conjola costs $274,526 over 10 years by car. The cumulative difference is $7,452 in favour of Cunjurong Point. Excludes purchase price, mortgage, and personal expenses.
Which of Cunjurong Point and Lake Conjola 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: Shoalhaven rates (OLG and Shoalhaven 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.