Hammondville vs Voyager Point, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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.
The two sit within $42 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.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan → Neither quite right? Find the Sydney suburbs that fit your budget →Hammondville
Voyager Point
Annual cost breakdown
| Category | Hammondville | Voyager Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,376 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,940 | $5,898 | +$42 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,450 | $2,450 | - |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $11,314 | $11,272 | +$42 |
| Total (public transport) | $7,774 | $7,774 | - |
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 | Hammondville | Voyager Point | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Hammondville vs Voyager Point (2026-27)
What the numbers show
Hammondville and Voyager Point cost within $42 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $481, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $42 per year. Hammondville is 24.5 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,774 and $7,774 a year, so the $42 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,376 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Voyager Point by $42 a year, $5,898 against $5,940.
- Building insurance is identical at $2,450 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. What separates them is commute distance.
Fire risk is rated high in Voyager Point against medium in Hammondville, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hammondville cumulative | Voyager Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,314 | $11,272 | $42 |
| Year 3 | $34,970 | $34,841 | $129 |
| Year 5 | $60,068 | $59,845 | $223 |
| Year 10 | $129,702 | $129,221 | $481 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hammondville or Voyager Point cheaper to live in?
Voyager Point is cheaper to run by car at $11,272 per year versus $11,314 for Hammondville, a difference of $42 annually. Figures cover council rates, water, commute (ATO 91c/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 $5,940 from Hammondville and $5,898 from Voyager Point to Sydney CBD (ATO 91c/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 $129,702 and Voyager Point costs $129,221 over 10 years by car. The cumulative difference is $481 in favour of Voyager Point. Excludes purchase price, mortgage, and personal expenses.
Which of Hammondville and Voyager Point suits you better?
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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.