Little Jilliby vs Wyong Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Little Jilliby and Wyong Creek are both Central Coast rates (OLG suburbs, sitting 72.1 km and 69 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Little Jilliby runs $810 a year cheaper than Wyong Creek, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,285.
Over 10 years, Little Jilliby costs about $9,300 less to run than Wyong Creek — the same as paying $9,300 less for the home. It's the cost no listing shows you.
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Wyong Creek
Annual cost breakdown
| Category | Little Jilliby | Wyong Creek | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $3,046 | $3,206 | -$160 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $3,500 | -$650 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $8,650 | $9,460 | -$810 |
| Total (public transport) | $8,004 | $8,654 | -$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 | Little Jilliby | Wyong Creek | 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 — Little Jilliby vs Wyong Creek (2026-27)
What the numbers show
Little Jilliby costs $810 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,285 in favour of Little Jilliby.
The biggest single gap is home insurance at $650 per year. Wyong Creek carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,004 from Little Jilliby versus $8,654 from Wyong Creek.
10-year cumulative cost projection
| Year | Little Jilliby cumulative | Wyong Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,650 | $9,460 | $810 |
| Year 3 | $26,736 | $29,240 | $2,504 |
| Year 5 | $45,924 | $50,224 | $4,300 |
| Year 10 | $99,163 | $108,448 | $9,285 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Little Jilliby or Wyong Creek cheaper to live in?
Little Jilliby is cheaper to run by car at $8,650 per year versus $9,460 for Wyong Creek, a difference of $810 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Little Jilliby and Wyong Creek?
Annual council rates for a house are $1,454 in Little Jilliby (Central Coast rates (OLG) and $1,454 in Wyong Creek (Central Coast rates (OLG). Water and sewerage adds $1,300 in Little Jilliby and $1,300 in Wyong Creek. 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 Little Jilliby and Wyong Creek?
Annual driving commute costs are $3,046 from Little Jilliby and $3,206 from Wyong Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Little Jilliby and $2,400 from Wyong Creek.
What is the 10-year cost difference between Little Jilliby and Wyong Creek?
At 3% annual cost growth, Little Jilliby costs a cumulative $99,163 and Wyong Creek costs $108,448 over 10 years by car. The cumulative difference is $9,285 in favour of Little Jilliby. Excludes purchase price, mortgage, and personal expenses.
Which of Little Jilliby and Wyong Creek 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.