Curl Curl vs North Curl Curl: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Curl Curl and North Curl Curl are both Northern Beaches rates (OLG suburbs, sitting 13.4 km and 13.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $67 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
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 →Curl Curl
North Curl Curl
Annual cost breakdown
| Category | Curl Curl | North Curl Curl | Difference |
|---|---|---|---|
| Council rates | $1,766 | $1,766 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,770 | $3,837 | -$67 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,034 | $10,101 | -$67 |
| Total (public transport) | $8,650 | $8,650 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Curl Curl | North Curl Curl | 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 — Curl Curl vs North Curl Curl (2026-27)
What the numbers show
Curl Curl and North Curl Curl cost within $67 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $768, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $67 per year. North Curl Curl is 13.7 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,650 and $8,650 a year, so the $67 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Curl Curl cumulative | North Curl Curl cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,034 | $10,101 | $67 |
| Year 3 | $31,014 | $31,221 | $207 |
| Year 5 | $53,272 | $53,628 | $356 |
| Year 10 | $115,029 | $115,797 | $768 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Curl Curl or North Curl Curl cheaper to live in?
Curl Curl is cheaper to run by car at $10,034 per year versus $10,101 for North Curl Curl, a difference of $67 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Curl Curl and North Curl Curl?
Annual council rates for a house are $1,766 in Curl Curl (Northern Beaches rates (OLG) and $1,766 in North Curl Curl (Northern Beaches rates (OLG). Water and sewerage adds $1,548 in Curl Curl and $1,548 in North Curl Curl. 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 Curl Curl and North Curl Curl?
Annual driving commute costs are $3,770 from Curl Curl and $3,837 from North Curl Curl to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Curl Curl and $2,386 from North Curl Curl.
What is the 10-year cost difference between Curl Curl and North Curl Curl?
At 3% annual cost growth, Curl Curl costs a cumulative $115,029 and North Curl Curl costs $115,797 over 10 years by car. The cumulative difference is $768 in favour of Curl Curl. Excludes purchase price, mortgage, and personal expenses.
Which of Curl Curl and North Curl Curl 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: Northern Beaches rates (OLG and Northern Beaches 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.