Grays Point vs Warumbul: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Grays Point and Warumbul are both Sutherland rates (OLG suburbs, sitting 23.8 km and 27.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Grays Point runs $1,159 a year cheaper than Warumbul, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $13,286.
Over 10 years, Grays Point costs about $13,300 less to run than Warumbul — the same as paying $13,300 less for the home. It's the cost no listing shows you.
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Warumbul
Annual cost breakdown
| Category | Grays Point | Warumbul | Difference |
|---|---|---|---|
| Council rates | $1,617 | $1,617 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,650 | $6,109 | -$459 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,950 | $3,650 | -$700 |
| Body corporate (unit) | $2,300 | $2,100 | +$200 |
| Total (driving) | $11,765 | $12,924 | -$1,159 |
| Total (public transport) | $8,515 | $9,215 | -$700 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Grays Point | Warumbul | 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 — Grays Point vs Warumbul (2026-27)
What the numbers show
Grays Point costs $1,159 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $13,286 in favour of Grays Point.
The biggest single gap is home insurance at $700 per year. Warumbul carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $700 per year, $8,515 from Grays Point versus $9,215 from Warumbul.
10-year cumulative cost projection
| Year | Grays Point cumulative | Warumbul cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,765 | $12,924 | $1,159 |
| Year 3 | $36,364 | $39,947 | $3,583 |
| Year 5 | $62,462 | $68,615 | $6,153 |
| Year 10 | $134,873 | $148,159 | $13,286 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Grays Point or Warumbul cheaper to live in?
Grays Point is cheaper to run by car at $11,765 per year versus $12,924 for Warumbul, a difference of $1,159 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Grays Point and Warumbul?
Annual council rates for a house are $1,617 in Grays Point (Sutherland rates (OLG) and $1,617 in Warumbul (Sutherland rates (OLG). Water and sewerage adds $1,548 in Grays Point and $1,548 in Warumbul. 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 Grays Point and Warumbul?
Annual driving commute costs are $5,650 from Grays Point and $6,109 from Warumbul to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Grays Point and $2,400 from Warumbul.
What is the 10-year cost difference between Grays Point and Warumbul?
At 3% annual cost growth, Grays Point costs a cumulative $134,873 and Warumbul costs $148,159 over 10 years by car. The cumulative difference is $13,286 in favour of Grays Point. Excludes purchase price, mortgage, and personal expenses.
Which of Grays Point and Warumbul 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: Sutherland rates (OLG and Sutherland 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.