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 $815 a year cheaper than Kyle Bay, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,343.
Over 10 years, Hurstville Grove costs about $9,300 less to run than Kyle Bay — the same as paying $9,300 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Hurstville Grove
Kyle Bay
Annual cost breakdown
| Category | Hurstville Grove | Kyle Bay | Difference |
|---|---|---|---|
| Council rates | $1,447 | $1,447 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,452 | $4,617 | -$165 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $2,950 | -$650 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,747 | $10,562 | -$815 |
| Total (public transport) | $7,681 | $8,331 | -$650 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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 costs $815 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,343 in favour of Hurstville Grove.
The biggest single gap is home insurance at $650 per year. Kyle Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,681 from Hurstville Grove versus $8,331 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 $650 a year, $2,300 against $2,950.
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 | $9,747 | $10,562 | $815 |
| Year 3 | $30,127 | $32,646 | $2,519 |
| Year 5 | $51,748 | $56,075 | $4,327 |
| Year 10 | $111,738 | $121,081 | $9,343 |
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?
Hurstville Grove is cheaper to run by car at $9,747 per year versus $10,562 for Kyle Bay, a difference of $815 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. 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 $111,738 and Kyle Bay costs $121,081 over 10 years by car. The cumulative difference is $9,343 in favour of Hurstville Grove. Excludes purchase price, mortgage, and personal expenses.
Which of Hurstville Grove and Kyle Bay 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: 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 AI insurance estimates. Data updated July 2026.