La Perouse vs Phillip Bay, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
La Perouse and Phillip Bay are both Randwick rates (OLG suburbs, sitting 13.8 km and 12.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $218 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 the gap between these two is about $2,500, about $5 a week, and most of it is the AI-estimated insurance line.
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Phillip Bay
Annual cost breakdown
| Category | La Perouse | Phillip Bay | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,723 | $1,723 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,991 | $3,709 | +$282 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,112 | $9,330 | -$218 |
| Total (public transport) | $7,507 | $8,007 | -$500 |
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 | La Perouse | Phillip Bay | 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, La Perouse vs Phillip Bay (2026-27)
What the numbers show
La Perouse and Phillip Bay differ by $218 a year by car, but $500 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 $282, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Phillip Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $500 per year, $7,507 from La Perouse versus $8,007 from Phillip Bay.
Where the difference actually comes from
- Council rates is identical at $1,723 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Phillip Bay by $282 a year, $3,709 against $3,991.
- Building insurance favours La Perouse by $500 a year, $1,850 against $2,350.
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.
Flood risk is rated high in Phillip Bay against medium in La Perouse, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | La Perouse cumulative | Phillip Bay cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,112 | $9,330 | $218 |
| Year 3 | $28,164 | $28,838 | $674 |
| Year 5 | $48,377 | $49,534 | $1,157 |
| Year 10 | $104,459 | $106,958 | $2,499 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is La Perouse or Phillip Bay cheaper to live in?
Neither is named cheaper. La Perouse runs $9,112 a year by car and Phillip Bay $9,330, but most of the $218 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $282. Source: SuburbCost 2026 data.
What are council rates in La Perouse and Phillip Bay?
Annual council rates for a house are $1,723 in La Perouse (Randwick rates (OLG) and $1,723 in Phillip Bay (Randwick rates (OLG). Water and sewerage adds $1,548 in La Perouse and $1,548 in Phillip Bay. 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 La Perouse and Phillip Bay?
Annual driving commute costs are $3,991 from La Perouse and $3,709 from Phillip Bay to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from La Perouse and $2,386 from Phillip Bay.
What is the 10-year cost difference between La Perouse and Phillip Bay?
At 3% annual cost growth, La Perouse costs a cumulative $104,459 and Phillip Bay costs $106,958 over 10 years by car. The cumulative difference is $2,499 in favour of La Perouse. Excludes purchase price, mortgage, and personal expenses.
Which of La Perouse and Phillip Bay suits you better?
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Sources: Randwick rates (OLG and Randwick 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.