Gymea vs Miranda, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gymea and Miranda are both Sutherland rates (OLG suburbs, sitting 22.3 km and 20.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $75 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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Miranda
Annual cost breakdown
| Category | Gymea | Miranda | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,617 | $1,617 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,620 | $5,395 | +$225 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,150 | $1,450 | -$300 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,935 | $10,010 | -$75 |
| Total (public transport) | $6,715 | $7,015 | -$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 | Gymea | Miranda | 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, Gymea vs Miranda (2026-27)
What the numbers show
Gymea and Miranda cost within $75 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $859, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $300 per year. Miranda carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $6,715 from Gymea versus $7,015 from Miranda.
Where the difference actually comes from
- Council rates is identical at $1,617 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Miranda by $225 a year, $5,395 against $5,620.
- Building insurance favours Gymea by $300 a year, $1,150 against $1,450.
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 and the insurance band.
Flood risk is rated medium in Miranda against low in Gymea, which feeds the insurance estimate. The catchment state school scores 8.3 in Gymea against 6.6 in Miranda, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Gymea cumulative | Miranda cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,935 | $10,010 | $75 |
| Year 3 | $30,708 | $30,940 | $232 |
| Year 5 | $52,746 | $53,144 | $398 |
| Year 10 | $113,894 | $114,753 | $859 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gymea or Miranda cheaper to live in?
Gymea is cheaper to run by car at $9,935 per year versus $10,010 for Miranda, a difference of $75 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gymea and Miranda?
Annual council rates for a house are $1,617 in Gymea (Sutherland rates (OLG) and $1,617 in Miranda (Sutherland rates (OLG). Water and sewerage adds $1,548 in Gymea and $1,548 in Miranda. 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 Gymea and Miranda?
Annual driving commute costs are $5,620 from Gymea and $5,395 from Miranda to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Gymea and $2,400 from Miranda.
What is the 10-year cost difference between Gymea and Miranda?
At 3% annual cost growth, Gymea costs a cumulative $113,894 and Miranda costs $114,753 over 10 years by car. The cumulative difference is $859 in favour of Gymea. Excludes purchase price, mortgage, and personal expenses.
Which of Gymea and Miranda suits you better?
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Sources: Sutherland rates (OLG and Sutherland 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.