Ingleburn vs Long Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Ingleburn and Long Point are both Campbelltown rates (OLG suburbs, sitting 34.8 km and 32.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Ingleburn runs $595 a year cheaper than Long Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,821.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Ingleburn
Long Point
Annual cost breakdown
| Category | Ingleburn | Long Point | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,644 | $6,539 | +$105 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,550 | -$700 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,539 | $12,134 | -$595 |
| Total (public transport) | $7,295 | $7,995 | -$700 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Ingleburn | Long Point | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Ingleburn vs Long Point (2026-27)
What the numbers show
Ingleburn costs $595 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,821 in favour of Ingleburn.
The biggest single gap is home insurance at $700 per year.
On public transport the gap is $700 per year, $7,295 from Ingleburn versus $7,995 from Long Point.
10-year cumulative cost projection
| Year | Ingleburn cumulative | Long Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,539 | $12,134 | $595 |
| Year 3 | $35,666 | $37,505 | $1,839 |
| Year 5 | $61,262 | $64,421 | $3,159 |
| Year 10 | $132,282 | $139,103 | $6,821 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ingleburn or Long Point cheaper to live in?
Ingleburn is cheaper to run by car at $11,539 per year versus $12,134 for Long Point, a difference of $595 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Ingleburn and Long Point?
Annual council rates for a house are $1,497 in Ingleburn (Campbelltown rates (OLG) and $1,497 in Long Point (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Ingleburn and $1,548 in Long 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 Ingleburn and Long Point?
Annual driving commute costs are $6,644 from Ingleburn and $6,539 from Long Point to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Ingleburn and $2,400 from Long Point.
What is the 10-year cost difference between Ingleburn and Long Point?
At 3% annual cost growth, Ingleburn costs a cumulative $132,282 and Long Point costs $139,103 over 10 years by car. The cumulative difference is $6,821 in favour of Ingleburn. Excludes purchase price, mortgage, and personal expenses.
Which of Ingleburn and Long Point 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: Campbelltown rates (OLG and Campbelltown rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.