Jannali vs Sutherland, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Jannali and Sutherland are both Sutherland rates (OLG suburbs, sitting 20.9 km and 22.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $72 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run.
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Sutherland
Annual cost breakdown
| Category | Jannali | Sutherland | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,617 | $1,617 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,395 | $5,667 | -$272 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,550 | $1,350 | +$200 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $10,110 | $10,182 | -$72 |
| Total (public transport) | $7,115 | $6,915 | +$200 |
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 | Jannali | Sutherland | 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, Jannali vs Sutherland (2026-27)
What the numbers show
Jannali and Sutherland cost within $72 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $825, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $272 per year. Sutherland is 22.6 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $7,115 from Jannali versus $6,915 from Sutherland.
Where the difference actually comes from
- Council rates is identical at $1,617 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Jannali by $272 a year, $5,395 against $5,667.
- Building insurance favours Sutherland by $200 a year, $1,350 against $1,550.
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.
Fire risk is rated medium in Jannali against low in Sutherland, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Jannali cumulative | Sutherland cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,110 | $10,182 | $72 |
| Year 3 | $31,249 | $31,472 | $223 |
| Year 5 | $53,675 | $54,058 | $383 |
| Year 10 | $115,900 | $116,725 | $825 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Jannali or Sutherland cheaper to live in?
Jannali is cheaper to run by car at $10,110 per year versus $10,182 for Sutherland, a difference of $72 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Jannali and Sutherland?
Annual council rates for a house are $1,617 in Jannali (Sutherland rates (OLG) and $1,617 in Sutherland (Sutherland rates (OLG). Water and sewerage adds $1,548 in Jannali and $1,548 in Sutherland. 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 Jannali and Sutherland?
Annual driving commute costs are $5,395 from Jannali and $5,667 from Sutherland to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Jannali and $2,400 from Sutherland.
What is the 10-year cost difference between Jannali and Sutherland?
At 3% annual cost growth, Jannali costs a cumulative $115,900 and Sutherland costs $116,725 over 10 years by car. The cumulative difference is $825 in favour of Jannali. Excludes purchase price, mortgage, and personal expenses.
Which of Jannali and Sutherland suits you better?
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Sources: Sutherland rates (OLG and Sutherland 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.