Kyeemagh vs Mascot: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Kyeemagh and Mascot are both Bayside rates (OLG suburbs, sitting 10.1 km and 8.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Mascot runs $429 a year cheaper than Kyeemagh, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $4,918.
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 →Kyeemagh
Mascot
Annual cost breakdown
| Category | Kyeemagh | Mascot | Difference |
|---|---|---|---|
| Council rates | $1,265 | $1,265 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,084 | $2,655 | +$429 |
| Commute (public transport) | $2,386 | $1,920 | +$466 |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $8,847 | $8,418 | +$429 |
| Total (public transport) | $8,149 | $7,683 | +$466 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kyeemagh | Mascot | 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 — Kyeemagh vs Mascot (2026-27)
What the numbers show
Mascot costs $429 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,918 in favour of Mascot.
The biggest single gap is commute costs at $429 per year. Kyeemagh is 10.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $466 per year, $8,149 from Kyeemagh versus $7,683 from Mascot.
Where the difference actually comes from
- Council rates is identical at $1,265 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Mascot by $429 a year, $2,655 against $3,084.
- Building insurance is identical at $2,950 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.
10-year cumulative cost projection
| Year | Kyeemagh cumulative | Mascot cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,847 | $8,418 | $429 |
| Year 3 | $27,345 | $26,019 | $1,326 |
| Year 5 | $46,970 | $44,692 | $2,278 |
| Year 10 | $101,421 | $96,503 | $4,918 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kyeemagh or Mascot cheaper to live in?
Mascot is cheaper to run by car at $8,418 per year versus $8,847 for Kyeemagh, a difference of $429 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kyeemagh and Mascot?
Annual council rates for a house are $1,265 in Kyeemagh (Bayside rates (OLG) and $1,265 in Mascot (Bayside rates (OLG). Water and sewerage adds $1,548 in Kyeemagh and $1,548 in Mascot. 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 Kyeemagh and Mascot?
Annual driving commute costs are $3,084 from Kyeemagh and $2,655 from Mascot to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Kyeemagh and $1,920 from Mascot.
What is the 10-year cost difference between Kyeemagh and Mascot?
At 3% annual cost growth, Kyeemagh costs a cumulative $101,421 and Mascot costs $96,503 over 10 years by car. The cumulative difference is $4,918 in favour of Mascot. Excludes purchase price, mortgage, and personal expenses.
Which of Kyeemagh and Mascot 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: Bayside rates (OLG and Bayside 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.