Lane Cove vs Linley Point, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lane Cove and Linley Point are both Lane Cove rates (OLG suburbs, sitting 7.1 km and 7.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Lane Cove runs $1,128 a year cheaper than Linley Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $12,931.
Over 10 years the gap between these two is about $12,900, about $25 a week, and most of it is the AI-estimated insurance line.
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Linley Point
Annual cost breakdown
| Category | Lane Cove | Linley Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,502 | $1,502 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $2,261 | $2,289 | -$28 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $2,950 | -$1,100 |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $7,161 | $8,289 | -$1,128 |
| Total (public transport) | $6,820 | $7,920 | -$1,100 |
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 | Lane Cove | Linley Point | 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, Lane Cove vs Linley Point (2026-27)
What the numbers show
Lane Cove and Linley Point differ by $1,128 a year by car, but $1,100 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 $28, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $1,100 per year. Linley Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $6,820 from Lane Cove versus $7,920 from Linley Point.
Where the difference actually comes from
- Council rates is identical at $1,502 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Lane Cove by $28 a year, $2,261 against $2,289.
- Building insurance favours Lane Cove by $1,100 a year, $1,850 against $2,950.
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 Linley Point against low in Lane Cove, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Lane Cove cumulative | Linley Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,161 | $8,289 | $1,128 |
| Year 3 | $22,134 | $25,620 | $3,486 |
| Year 5 | $38,019 | $44,007 | $5,988 |
| Year 10 | $82,093 | $95,024 | $12,931 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lane Cove or Linley Point cheaper to live in?
Neither is named cheaper. Lane Cove runs $7,161 a year by car and Linley Point $8,289, but most of the $1,128 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $28. Source: SuburbCost 2026 data.
What are council rates in Lane Cove and Linley Point?
Annual council rates for a house are $1,502 in Lane Cove (Lane Cove rates (OLG) and $1,502 in Linley Point (Lane Cove rates (OLG). Water and sewerage adds $1,548 in Lane Cove and $1,548 in Linley Point. 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 Lane Cove and Linley Point?
Annual driving commute costs are $2,261 from Lane Cove and $2,289 from Linley Point to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Lane Cove and $1,920 from Linley Point.
What is the 10-year cost difference between Lane Cove and Linley Point?
At 3% annual cost growth, Lane Cove costs a cumulative $82,093 and Linley Point costs $95,024 over 10 years by car. The cumulative difference is $12,931 in favour of Lane Cove. Excludes purchase price, mortgage, and personal expenses.
Which of Lane Cove and Linley Point suits you better?
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Sources: Lane Cove rates (OLG and Lane Cove 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.