Hurstville Grove vs Kyle Bay, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hurstville Grove and Kyle Bay are both Georges River rates (OLG suburbs, sitting 15.9 km and 16.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hurstville Grove runs $665 a year cheaper than Kyle Bay, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,623.
Over 10 years the gap between these two is about $7,600, about $15 a week, and most of it is the AI-estimated insurance line.
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Kyle Bay
Annual cost breakdown
| Category | Hurstville Grove | Kyle Bay | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,447 | $1,447 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $4,452 | $4,617 | -$165 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,297 | $9,962 | -$665 |
| Total (public transport) | $7,231 | $7,731 | -$500 |
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 | Hurstville Grove | Kyle Bay | 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, Hurstville Grove vs Kyle Bay (2026-27)
What the numbers show
Hurstville Grove and Kyle Bay differ by $665 a year by car, but $500 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 $165, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Kyle Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $500 per year, $7,231 from Hurstville Grove versus $7,731 from Kyle Bay.
Where the difference actually comes from
- Council rates is identical at $1,447 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Hurstville Grove by $165 a year, $4,452 against $4,617.
- Building insurance favours Hurstville Grove by $500 a year, $1,850 against $2,350.
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 high in Kyle Bay against medium in Hurstville Grove, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hurstville Grove cumulative | Kyle Bay cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,297 | $9,962 | $665 |
| Year 3 | $28,736 | $30,792 | $2,056 |
| Year 5 | $49,359 | $52,890 | $3,531 |
| Year 10 | $106,580 | $114,203 | $7,623 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hurstville Grove or Kyle Bay cheaper to live in?
Neither is named cheaper. Hurstville Grove runs $9,297 a year by car and Kyle Bay $9,962, but most of the $665 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $165. Source: SuburbCost 2026 data.
What are council rates in Hurstville Grove and Kyle Bay?
Annual council rates for a house are $1,447 in Hurstville Grove (Georges River rates (OLG) and $1,447 in Kyle Bay (Georges River rates (OLG). Water and sewerage adds $1,548 in Hurstville Grove and $1,548 in Kyle Bay. 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 Hurstville Grove and Kyle Bay?
Annual driving commute costs are $4,452 from Hurstville Grove and $4,617 from Kyle Bay to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Hurstville Grove and $2,386 from Kyle Bay.
What is the 10-year cost difference between Hurstville Grove and Kyle Bay?
At 3% annual cost growth, Hurstville Grove costs a cumulative $106,580 and Kyle Bay costs $114,203 over 10 years by car. The cumulative difference is $7,623 in favour of Hurstville Grove. Excludes purchase price, mortgage, and personal expenses.
Which of Hurstville Grove and Kyle Bay suits you better?
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Sources: Georges River rates (OLG and Georges River 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.