Fosterton vs Stroud 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
Fosterton and Stroud Hill are both Dungog rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
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Stroud Hill
Annual cost breakdown
| Category | Fosterton | Stroud 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 | $1,550 | $1,550 | - |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,839 | $22,839 | - |
| Total (public transport) | $22,839 | $22,839 | - |
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 | Fosterton | Stroud 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, Fosterton vs Stroud Hill (2026-27)
What the numbers show
Fosterton and Stroud Hill cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $22,839 and $22,839 a year, so the $0 driving gap nearly closes if you commute by public transport.
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 is identical at $1,550 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. On these four costs they are identical.
10-year cumulative cost projection
| Year | Fosterton cumulative | Stroud Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,839 | $22,839 | $0 |
| Year 3 | $70,593 | $70,593 | $0 |
| Year 5 | $121,255 | $121,255 | $0 |
| Year 10 | $261,824 | $261,824 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Fosterton or Stroud Hill cheaper to live in?
Fosterton is cheaper to run by car at $22,839 per year versus $22,839 for Stroud Hill, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Fosterton and Stroud Hill?
Annual council rates for a house are $1,712 in Fosterton (Dungog rates (OLG) and $1,712 in Stroud Hill (Dungog rates (OLG). Water and sewerage adds $1,377 in Fosterton and $1,377 in Stroud 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 Fosterton and Stroud Hill?
Fosterton 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. Stroud 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 Fosterton and Stroud Hill?
At 3% annual cost growth, Fosterton costs a cumulative $261,824 and Stroud Hill costs $261,824 over 10 years by car. The cumulative difference is $0 in favour of Fosterton. Excludes purchase price, mortgage, and personal expenses.
Which of Fosterton and Stroud 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.