Hunters Hill vs Linley 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
Hunters Hill (Hunters Hill rates (OLG) and Linley Point (Lane Cove rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (6.6 km and 7.2 km).
Hunters Hill runs $329 a year cheaper than Linley Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,772.
Over 10 years the gap between these two is about $3,800, about $7 a week, and most of it is the AI-estimated insurance line.
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Linley Point
Annual cost breakdown
| Category | Hunters Hill | Linley Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $2,446 | $1,502 | +$944 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $2,116 | $2,289 | -$173 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $2,950 | -$1,100 |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $7,960 | $8,289 | -$329 |
| Total (public transport) | $7,764 | $7,920 | -$156 |
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 | Hunters Hill | Linley Point | 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, Hunters Hill vs Linley Point (2026-27)
What the numbers show
Hunters Hill and Linley Point differ by $329 a year by car, but $1,100 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $771, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $1,100 per year. Linley Point carries high flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,764 and $7,920 a year, so the $329 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Linley Point by $944 a year, $1,502 against $2,446.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Hunters Hill by $173 a year, $2,116 against $2,289.
- Building insurance favours Hunters Hill by $1,100 a year, $1,850 against $2,950.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated high in Linley Point against medium in Hunters Hill, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hunters Hill cumulative | Linley Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,960 | $8,289 | $329 |
| Year 3 | $24,604 | $25,620 | $1,016 |
| Year 5 | $42,261 | $44,007 | $1,746 |
| Year 10 | $91,252 | $95,024 | $3,772 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hunters Hill or Linley Point cheaper to live in?
Neither is named cheaper. Hunters Hill runs $7,960 a year by car and Linley Point $8,289, but most of the $329 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $771. Source: SuburbCost 2026 data.
What are council rates in Hunters Hill and Linley Point?
Annual council rates for a house are $2,446 in Hunters Hill (Hunters Hill rates (OLG) and $1,502 in Linley Point (Lane Cove rates (OLG). Water and sewerage adds $1,548 in Hunters Hill and $1,548 in Linley 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 Hunters Hill and Linley Point?
Annual driving commute costs are $2,116 from Hunters Hill and $2,289 from Linley Point to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Hunters Hill and $1,920 from Linley Point.
What is the 10-year cost difference between Hunters Hill and Linley Point?
At 3% annual cost growth, Hunters Hill costs a cumulative $91,252 and Linley Point costs $95,024 over 10 years by car. The cumulative difference is $3,772 in favour of Hunters Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Hunters Hill and Linley Point suits you better?
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Sources: Hunters Hill rates (OLG and Lane Cove 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.