Lisarow vs Mount Elliot: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lisarow and Mount Elliot are both Central Coast rates (OLG suburbs, sitting 56 km and 54.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $174 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 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 →Lisarow
Mount Elliot
Annual cost breakdown
| Category | Lisarow | Mount Elliot | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $5,871 | $6,045 | -$174 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,550 | $2,550 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,175 | $11,349 | -$174 |
| Total (public transport) | $7,704 | $7,704 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lisarow | Mount Elliot | 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 — Lisarow vs Mount Elliot (2026-27)
What the numbers show
Lisarow and Mount Elliot cost within $174 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,995, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $174 per year. Lisarow is 56 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,704 and $7,704 a year, so the $174 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,454 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Lisarow by $174 a year, $5,871 against $6,045.
- Building insurance is identical at $2,550 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 | Lisarow cumulative | Mount Elliot cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,175 | $11,349 | $174 |
| Year 3 | $34,541 | $35,079 | $538 |
| Year 5 | $59,330 | $60,253 | $923 |
| Year 10 | $128,109 | $130,104 | $1,995 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lisarow or Mount Elliot cheaper to live in?
Lisarow is cheaper to run by car at $11,175 per year versus $11,349 for Mount Elliot, a difference of $174 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lisarow and Mount Elliot?
Annual council rates for a house are $1,454 in Lisarow (Central Coast rates (OLG) and $1,454 in Mount Elliot (Central Coast rates (OLG). Water and sewerage adds $1,300 in Lisarow and $1,300 in Mount Elliot. 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 Lisarow and Mount Elliot?
Annual driving commute costs are $5,871 from Lisarow and $6,045 from Mount Elliot to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Lisarow and $2,400 from Mount Elliot.
What is the 10-year cost difference between Lisarow and Mount Elliot?
At 3% annual cost growth, Lisarow costs a cumulative $128,109 and Mount Elliot costs $130,104 over 10 years by car. The cumulative difference is $1,995 in favour of Lisarow. Excludes purchase price, mortgage, and personal expenses.
Which of Lisarow and Mount Elliot 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: Central Coast rates (OLG and Central Coast 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.