Killarney Vale vs Long Jetty: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Killarney Vale and Long Jetty are both Central Coast rates (OLG suburbs, sitting 60.6 km and 62.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Long Jetty runs $338 a year cheaper than Killarney Vale, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,874.
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 →Killarney Vale
Long Jetty
Annual cost breakdown
| Category | Killarney Vale | Long Jetty | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $5,135 | $4,797 | +$338 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,800 | $2,800 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $10,689 | $10,351 | +$338 |
| Total (public transport) | $7,954 | $7,954 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Killarney Vale | Long Jetty | 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 — Killarney Vale vs Long Jetty (2026-27)
What the numbers show
Long Jetty costs $338 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,874 in favour of Long Jetty.
The biggest single gap is commute costs at $338 per year. Long Jetty is 62.4 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,954 and $7,954 a year, so the $338 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,454 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Long Jetty by $338 a year, $4,797 against $5,135.
- Building insurance is identical at $2,800 a year.
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.
The catchment state school scores 5.1 in Killarney Vale against 4.1 in Long Jetty, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Killarney Vale cumulative | Long Jetty cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,689 | $10,351 | $338 |
| Year 3 | $33,039 | $31,994 | $1,045 |
| Year 5 | $56,749 | $54,955 | $1,794 |
| Year 10 | $122,537 | $118,663 | $3,874 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Killarney Vale or Long Jetty cheaper to live in?
Long Jetty is cheaper to run by car at $10,351 per year versus $10,689 for Killarney Vale, a difference of $338 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Killarney Vale and Long Jetty?
Annual council rates for a house are $1,454 in Killarney Vale (Central Coast rates (OLG) and $1,454 in Long Jetty (Central Coast rates (OLG). Water and sewerage adds $1,300 in Killarney Vale and $1,300 in Long Jetty. 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 Killarney Vale and Long Jetty?
Annual driving commute costs are $5,135 from Killarney Vale and $4,797 from Long Jetty to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Killarney Vale and $2,400 from Long Jetty.
What is the 10-year cost difference between Killarney Vale and Long Jetty?
At 3% annual cost growth, Killarney Vale costs a cumulative $122,537 and Long Jetty costs $118,663 over 10 years by car. The cumulative difference is $3,874 in favour of Long Jetty. Excludes purchase price, mortgage, and personal expenses.
Which of Killarney Vale and Long Jetty 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: Central Coast rates (OLG and Central Coast 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.