Enmore vs St Peters: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Enmore and St Peters are both Inner West rates (OLG suburbs, sitting 5 km and 5.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Enmore runs $913 a year cheaper than St Peters, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,466.
Over 10 years, Enmore costs about $10,500 less to run than St Peters — the same as paying $10,500 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Enmore
St Peters
Annual cost breakdown
| Category | Enmore | St Peters | Difference |
|---|---|---|---|
| Council rates | $1,401 | $1,401 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,584 | $1,847 | -$263 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,300 | $2,950 | -$650 |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $6,833 | $7,746 | -$913 |
| Total (public transport) | $7,169 | $7,819 | -$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 | Enmore | St Peters | 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 — Enmore vs St Peters (2026-27)
What the numbers show
Enmore costs $913 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $10,466 in favour of Enmore.
The biggest single gap is home insurance at $650 per year. St Peters carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,169 from Enmore versus $7,819 from St Peters.
10-year cumulative cost projection
| Year | Enmore cumulative | St Peters cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,833 | $7,746 | $913 |
| Year 3 | $21,120 | $23,942 | $2,822 |
| Year 5 | $36,277 | $41,125 | $4,848 |
| Year 10 | $78,333 | $88,799 | $10,466 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Enmore or St Peters cheaper to live in?
Enmore is cheaper to run by car at $6,833 per year versus $7,746 for St Peters, a difference of $913 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Enmore and St Peters?
Annual council rates for a house are $1,401 in Enmore (Inner West rates (OLG) and $1,401 in St Peters (Inner West rates (OLG). Water and sewerage adds $1,548 in Enmore and $1,548 in St Peters. 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 Enmore and St Peters?
Annual driving commute costs are $1,584 from Enmore and $1,847 from St Peters to Sydney CBD (ATO 88c/km). Public transport costs $1,920 from Enmore and $1,920 from St Peters.
What is the 10-year cost difference between Enmore and St Peters?
At 3% annual cost growth, Enmore costs a cumulative $78,333 and St Peters costs $88,799 over 10 years by car. The cumulative difference is $10,466 in favour of Enmore. Excludes purchase price, mortgage, and personal expenses.
Which of Enmore and St Peters 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: Inner West rates (OLG and Inner West 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.