Loftus vs Yarrawarrah: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Loftus and Yarrawarrah are both Sutherland rates (OLG suburbs, sitting 24.9 km and 26.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $212 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 →Loftus
Yarrawarrah
Annual cost breakdown
| Category | Loftus | Yarrawarrah | Difference |
|---|---|---|---|
| Council rates | $1,617 | $1,617 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,993 | $6,205 | -$212 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,150 | - |
| Body corporate (unit) | $2,300 | $2,100 | +$200 |
| Total (driving) | $11,308 | $11,520 | -$212 |
| Total (public transport) | $7,715 | $7,715 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Loftus | Yarrawarrah | 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 — Loftus vs Yarrawarrah (2026-27)
What the numbers show
Loftus and Yarrawarrah cost within $212 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,430, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $212 per year. Yarrawarrah is 26.6 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, $7,715 and $7,715 a year, so the $212 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,617 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Loftus by $212 a year, $5,993 against $6,205.
- Building insurance is identical at $2,150 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 | Loftus cumulative | Yarrawarrah cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,308 | $11,520 | $212 |
| Year 3 | $34,952 | $35,607 | $655 |
| Year 5 | $60,036 | $61,161 | $1,125 |
| Year 10 | $129,634 | $132,064 | $2,430 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Loftus or Yarrawarrah cheaper to live in?
Loftus is cheaper to run by car at $11,308 per year versus $11,520 for Yarrawarrah, a difference of $212 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Loftus and Yarrawarrah?
Annual council rates for a house are $1,617 in Loftus (Sutherland rates (OLG) and $1,617 in Yarrawarrah (Sutherland rates (OLG). Water and sewerage adds $1,548 in Loftus and $1,548 in Yarrawarrah. 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 Loftus and Yarrawarrah?
Annual driving commute costs are $5,993 from Loftus and $6,205 from Yarrawarrah to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Loftus and $2,400 from Yarrawarrah.
What is the 10-year cost difference between Loftus and Yarrawarrah?
At 3% annual cost growth, Loftus costs a cumulative $129,634 and Yarrawarrah costs $132,064 over 10 years by car. The cumulative difference is $2,430 in favour of Loftus. Excludes purchase price, mortgage, and personal expenses.
Which of Loftus and Yarrawarrah 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: Sutherland rates (OLG and Sutherland 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.