Hammondville vs Voyager Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Hammondville and Voyager Point are both Liverpool rates (OLG suburbs, sitting 24.5 km and 24.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hammondville runs $360 a year cheaper than Voyager Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,127.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Hammondville
Voyager Point
Annual cost breakdown
| Category | Hammondville | Voyager Point | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,376 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,744 | $5,704 | +$40 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,650 | -$400 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $11,918 | $12,278 | -$360 |
| Total (public transport) | $8,574 | $8,974 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hammondville | Voyager Point | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Hammondville vs Voyager Point (2026-27)
What the numbers show
Hammondville costs $360 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,127 in favour of Hammondville.
The biggest single gap is home insurance at $400 per year. Voyager Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,574 from Hammondville versus $8,974 from Voyager Point.
10-year cumulative cost projection
| Year | Hammondville cumulative | Voyager Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,918 | $12,278 | $360 |
| Year 3 | $36,837 | $37,950 | $1,113 |
| Year 5 | $63,274 | $65,186 | $1,912 |
| Year 10 | $136,627 | $140,754 | $4,127 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hammondville or Voyager Point cheaper to live in?
Hammondville is cheaper to run by car at $11,918 per year versus $12,278 for Voyager Point, a difference of $360 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hammondville and Voyager Point?
Annual council rates for a house are $1,376 in Hammondville (Liverpool rates (OLG) and $1,376 in Voyager Point (Liverpool rates (OLG). Water and sewerage adds $1,548 in Hammondville and $1,548 in Voyager Point. 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 Hammondville and Voyager Point?
Annual driving commute costs are $5,744 from Hammondville and $5,704 from Voyager Point to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Hammondville and $2,400 from Voyager Point.
What is the 10-year cost difference between Hammondville and Voyager Point?
At 3% annual cost growth, Hammondville costs a cumulative $136,627 and Voyager Point costs $140,754 over 10 years by car. The cumulative difference is $4,127 in favour of Hammondville. Excludes purchase price, mortgage, and personal expenses.
Which of Hammondville and Voyager Point 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: Liverpool rates (OLG and Liverpool 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.