Hurstville vs Hurstville Grove: 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 and Hurstville Grove are both Georges River rates (OLG suburbs, sitting 14.5 km and 15.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hurstville runs $753 a year cheaper than Hurstville Grove, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,632.
Over 10 years, Hurstville costs about $8,600 less to run than Hurstville Grove — the same as paying $8,600 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
Hurstville Grove
Annual cost breakdown
| Category | Hurstville | Hurstville Grove | Difference |
|---|---|---|---|
| Council rates | $1,447 | $1,447 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,149 | $4,452 | -$303 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $1,850 | $2,300 | -$450 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $8,994 | $9,747 | -$753 |
| Total (public transport) | $7,231 | $7,681 | -$450 |
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 | Hurstville Grove | 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 vs Hurstville Grove (2026-27)
What the numbers show
Hurstville costs $753 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,632 in favour of Hurstville.
The biggest single gap is home insurance at $450 per year. Hurstville Grove carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,231 from Hurstville versus $7,681 from Hurstville Grove.
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 by $303 a year, $4,149 against $4,452.
- Building insurance favours Hurstville by $450 a year, $1,850 against $2,300.
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 medium in Hurstville Grove against low in Hurstville, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hurstville cumulative | Hurstville Grove cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,994 | $9,747 | $753 |
| Year 3 | $27,800 | $30,127 | $2,327 |
| Year 5 | $47,750 | $51,748 | $3,998 |
| Year 10 | $103,106 | $111,738 | $8,632 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hurstville or Hurstville Grove cheaper to live in?
Hurstville is cheaper to run by car at $8,994 per year versus $9,747 for Hurstville Grove, a difference of $753 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hurstville and Hurstville Grove?
Annual council rates for a house are $1,447 in Hurstville (Georges River rates (OLG) and $1,447 in Hurstville Grove (Georges River rates (OLG). Water and sewerage adds $1,548 in Hurstville and $1,548 in Hurstville Grove. 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 and Hurstville Grove?
Annual driving commute costs are $4,149 from Hurstville and $4,452 from Hurstville Grove to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Hurstville and $2,386 from Hurstville Grove.
What is the 10-year cost difference between Hurstville and Hurstville Grove?
At 3% annual cost growth, Hurstville costs a cumulative $103,106 and Hurstville Grove costs $111,738 over 10 years by car. The cumulative difference is $8,632 in favour of Hurstville. Excludes purchase price, mortgage, and personal expenses.
Which of Hurstville and Hurstville Grove 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.