Davistown vs St Huberts Island: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Davistown and St Huberts Island are both Central Coast rates (OLG suburbs, sitting 44.9 km and 43.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $49 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 →Davistown
St Huberts Island
Annual cost breakdown
| Category | Davistown | St Huberts Island | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,884 | $6,933 | -$49 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,588 | $12,637 | -$49 |
| Total (public transport) | $8,104 | $8,104 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Davistown | St Huberts Island | 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 — Davistown vs St Huberts Island (2026-27)
What the numbers show
Davistown and St Huberts Island cost within $49 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $562, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $49 per year. Davistown is 44.9 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $8,104 and $8,104 a year, so the $49 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,454 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Davistown by $49 a year, $6,884 against $6,933.
- Building insurance is identical at $2,950 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
The catchment state school scores 6.4 in Davistown against 5.3 in St Huberts Island, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Davistown cumulative | St Huberts Island cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,588 | $12,637 | $49 |
| Year 3 | $38,908 | $39,060 | $152 |
| Year 5 | $66,831 | $67,092 | $261 |
| Year 10 | $144,307 | $144,869 | $562 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Davistown or St Huberts Island cheaper to live in?
Davistown is cheaper to run by car at $12,588 per year versus $12,637 for St Huberts Island, a difference of $49 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Davistown and St Huberts Island?
Annual council rates for a house are $1,454 in Davistown (Central Coast rates (OLG) and $1,454 in St Huberts Island (Central Coast rates (OLG). Water and sewerage adds $1,300 in Davistown and $1,300 in St Huberts Island. 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 Davistown and St Huberts Island?
Annual driving commute costs are $6,884 from Davistown and $6,933 from St Huberts Island to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Davistown and $2,400 from St Huberts Island.
What is the 10-year cost difference between Davistown and St Huberts Island?
At 3% annual cost growth, Davistown costs a cumulative $144,307 and St Huberts Island costs $144,869 over 10 years by car. The cumulative difference is $562 in favour of Davistown. Excludes purchase price, mortgage, and personal expenses.
Which of Davistown and St Huberts Island 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: Central Coast rates (OLG and Central Coast rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.