Lapstone vs Leonay: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Lapstone (Blue Mountains rates (OLG) and Leonay (Penrith rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (54 km and 53.4 km).
Leonay runs $433 a year cheaper than Lapstone, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $4,963.
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 →Lapstone
Leonay
Annual cost breakdown
| Category | Lapstone | Leonay | Difference |
|---|---|---|---|
| Council rates | $2,157 | $1,604 | +$553 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,930 | $6,000 | -$70 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,550 | $2,600 | -$50 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,185 | $11,752 | +$433 |
| Total (public transport) | $8,655 | $8,152 | +$503 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lapstone | Leonay | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Lapstone vs Leonay (2026-27)
What the numbers show
Leonay costs $433 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,963 in favour of Leonay.
The biggest single gap is council rates at $553 per year.
On public transport the gap is $503 per year, $8,655 from Lapstone versus $8,152 from Leonay.
10-year cumulative cost projection
| Year | Lapstone cumulative | Leonay cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,185 | $11,752 | $433 |
| Year 3 | $37,663 | $36,324 | $1,339 |
| Year 5 | $64,692 | $62,393 | $2,299 |
| Year 10 | $139,687 | $134,724 | $4,963 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lapstone or Leonay cheaper to live in?
Leonay is cheaper to run by car at $11,752 per year versus $12,185 for Lapstone, a difference of $433 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lapstone and Leonay?
Annual council rates for a house are $2,157 in Lapstone (Blue Mountains rates (OLG) and $1,604 in Leonay (Penrith rates (OLG). Water and sewerage adds $1,548 in Lapstone and $1,548 in Leonay. 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 Lapstone and Leonay?
Annual driving commute costs are $5,930 from Lapstone and $6,000 from Leonay to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Lapstone and $2,400 from Leonay.
What is the 10-year cost difference between Lapstone and Leonay?
At 3% annual cost growth, Lapstone costs a cumulative $139,687 and Leonay costs $134,724 over 10 years by car. The cumulative difference is $4,963 in favour of Leonay. Excludes purchase price, mortgage, and personal expenses.
Which of Lapstone and Leonay 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: Blue Mountains rates (OLG and Penrith 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.