La Perouse vs Phillip Bay: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/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.
La Perouse runs $378 a year cheaper than Phillip Bay, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,334.
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 →La Perouse
Phillip Bay
Annual cost breakdown
| Category | La Perouse | Phillip Bay | Difference |
|---|---|---|---|
| Council rates | $1,723 | $1,723 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,859 | $3,587 | +$272 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $2,950 | -$650 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,430 | $9,808 | -$378 |
| Total (public transport) | $7,957 | $8,607 | -$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | La Perouse | Phillip Bay | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; 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 costs $378 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,334 in favour of La Perouse.
The biggest single gap is home insurance at $650 per year. Phillip Bay carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,957 from La Perouse versus $8,607 from Phillip Bay.
10-year cumulative cost projection
| Year | La Perouse cumulative | Phillip Bay cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,430 | $9,808 | $378 |
| Year 3 | $29,147 | $30,316 | $1,169 |
| Year 5 | $50,065 | $52,072 | $2,007 |
| Year 10 | $108,104 | $112,438 | $4,334 |
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?
La Perouse is cheaper to run by car at $9,430 per year versus $9,808 for Phillip Bay, a difference of $378 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. 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 $3,859 from La Perouse and $3,587 from Phillip Bay to Sydney CBD (ATO 88c/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 $108,104 and Phillip Bay costs $112,438 over 10 years by car. The cumulative difference is $4,334 in favour of La Perouse. Excludes purchase price, mortgage, and personal expenses.
Which of La Perouse and Phillip Bay 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: Randwick rates (OLG and Randwick rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.