Ingleside vs Terrey Hills, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Ingleside and Terrey Hills are both Northern Beaches rates (OLG suburbs, sitting 20.2 km and 20.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Ingleside runs $319 a year cheaper than Terrey Hills, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,657.
Over 10 years the gap between these two is about $3,700, about $7 a week, and most of it is the AI-estimated insurance line.
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Terrey Hills
Annual cost breakdown
| Category | Ingleside | Terrey Hills | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,766 | $1,766 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,276 | $5,345 | -$69 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $1,850 | -$250 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $10,190 | $10,509 | -$319 |
| Total (public transport) | $7,314 | $7,564 | -$250 |
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 | Ingleside | Terrey Hills | 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, Ingleside vs Terrey Hills (2026-27)
What the numbers show
Ingleside and Terrey Hills differ by $319 a year by car, but $250 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 $69, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $7,314 from Ingleside versus $7,564 from Terrey Hills.
Where the difference actually comes from
- Council rates is identical at $1,766 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Ingleside by $69 a year, $5,276 against $5,345.
- Building insurance favours Ingleside by $250 a year, $1,600 against $1,850.
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.
10-year cumulative cost projection
| Year | Ingleside cumulative | Terrey Hills cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,190 | $10,509 | $319 |
| Year 3 | $31,496 | $32,482 | $986 |
| Year 5 | $54,100 | $55,794 | $1,694 |
| Year 10 | $116,817 | $120,474 | $3,657 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ingleside or Terrey Hills cheaper to live in?
Neither is named cheaper. Ingleside runs $10,190 a year by car and Terrey Hills $10,509, but most of the $319 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $69. Source: SuburbCost 2026 data.
What are council rates in Ingleside and Terrey Hills?
Annual council rates for a house are $1,766 in Ingleside (Northern Beaches rates (OLG) and $1,766 in Terrey Hills (Northern Beaches rates (OLG). Water and sewerage adds $1,548 in Ingleside and $1,548 in Terrey Hills. 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 Ingleside and Terrey Hills?
Annual driving commute costs are $5,276 from Ingleside and $5,345 from Terrey Hills to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Ingleside and $2,400 from Terrey Hills.
What is the 10-year cost difference between Ingleside and Terrey Hills?
At 3% annual cost growth, Ingleside costs a cumulative $116,817 and Terrey Hills costs $120,474 over 10 years by car. The cumulative difference is $3,657 in favour of Ingleside. Excludes purchase price, mortgage, and personal expenses.
Which of Ingleside and Terrey Hills suits you better?
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Sources: Northern Beaches rates (OLG and Northern Beaches 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.