Hay vs Hay South: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hay and Hay South are both Hay 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.
Hay
Hay South
Annual cost breakdown
| Category | Hay | Hay South | Difference |
|---|---|---|---|
| Council rates | $616 | $616 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,800 | $2,800 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,916 | $22,916 | - |
| Total (public transport) | $7,116 | $7,116 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hay | Hay South | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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 — Hay vs Hay South (2026-27)
What the numbers show
Hay and Hay South 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, $7,116 and $7,116 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 $616 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,800 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 | Hay cumulative | Hay South cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,916 | $22,916 | $0 |
| Year 3 | $70,831 | $70,831 | $0 |
| Year 5 | $121,664 | $121,664 | $0 |
| Year 10 | $262,706 | $262,706 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hay or Hay South cheaper to live in?
Hay is cheaper to run by car at $22,916 per year versus $22,916 for Hay South, 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 Hay and Hay South?
Annual council rates for a house are $616 in Hay (Hay rates (OLG) and $616 in Hay South (Hay rates (OLG). Water and sewerage adds $1,300 in Hay and $1,300 in Hay South. 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 Hay and Hay South?
Hay 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. Hay South 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. Public transport costs $2,400 from Hay and $2,400 from Hay South.
What is the 10-year cost difference between Hay and Hay South?
At 3% annual cost growth, Hay costs a cumulative $262,706 and Hay South costs $262,706 over 10 years by car. The cumulative difference is $0 in favour of Hay. Excludes purchase price, mortgage, and personal expenses.
Which of Hay and Hay South 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: Hay rates (OLG and Hay rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.