Fishers Hill vs Summer Hill, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Fishers Hill and Summer Hill are both Dungog rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Summer Hill runs $300 a year cheaper than Fishers Hill, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
Over 10 years the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
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Summer Hill
Annual cost breakdown
| Category | Fishers Hill | Summer Hill | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,712 | $1,712 | - |
| Water & sewerage Official, 2026-27 | $1,377 | $1,377 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $1,850 | $1,550 | +$300 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $23,139 | $22,839 | +$300 |
| Total (public transport) | $23,139 | $22,839 | +$300 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Fishers Hill | Summer Hill | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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, Fishers Hill vs Summer Hill (2026-27)
What the numbers show
Fishers Hill and Summer Hill differ by $300 a year by car, but $300 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $23,139 from Fishers Hill versus $22,839 from Summer Hill.
Where the difference actually comes from
- Council rates is identical at $1,712 a year.
- Water and sewerage is identical at $1,377 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Summer Hill by $300 a year, $1,550 against $1,850.
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 the insurance band.
Fire risk is rated high in Fishers Hill against medium in Summer Hill, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Fishers Hill cumulative | Summer Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,139 | $22,839 | $300 |
| Year 3 | $71,520 | $70,593 | $927 |
| Year 5 | $122,848 | $121,255 | $1,593 |
| Year 10 | $265,263 | $261,824 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Fishers Hill or Summer Hill cheaper to live in?
Neither is named cheaper. Fishers Hill runs $23,139 a year by car and Summer Hill $22,839, but most of the $300 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Fishers Hill and Summer Hill?
Annual council rates for a house are $1,712 in Fishers Hill (Dungog rates (OLG) and $1,712 in Summer Hill (Dungog rates (OLG). Water and sewerage adds $1,377 in Fishers Hill and $1,377 in Summer Hill. 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 Fishers Hill and Summer Hill?
Fishers Hill carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Summer Hill carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Fishers Hill and Summer Hill?
At 3% annual cost growth, Fishers Hill costs a cumulative $265,263 and Summer Hill costs $261,824 over 10 years by car. The cumulative difference is $3,439 in favour of Summer Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Fishers Hill and Summer Hill suits you better?
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Sources: Dungog rates (OLG and Dungog rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.