Long Point vs Maison Dieu: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Long Point and Maison Dieu are both Singleton rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Long Point runs $300 a year cheaper than Maison Dieu, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Long Point
Maison Dieu
Annual cost breakdown
| Category | Long Point | Maison Dieu | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,450 | -$300 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,991 | $23,291 | -$300 |
| Total (public transport) | $7,191 | $7,491 | -$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Long Point | Maison Dieu | Difference |
|---|---|---|---|
| House | $2,615 | $2,615 | - |
| Unit | $2,113 | $2,113 | - |
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 — Long Point vs Maison Dieu (2026-27)
What the numbers show
Long Point costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of Long Point.
The biggest single gap is home insurance at $300 per year. Maison Dieu carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $7,191 from Long Point versus $7,491 from Maison Dieu.
Where the difference actually comes from
- Council rates is identical at $1,341 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Long Point by $300 a year, $2,150 against $2,450.
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 the insurance band.
Fire risk is rated medium in Maison Dieu against low in Long Point, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Long Point cumulative | Maison Dieu cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,991 | $23,291 | $300 |
| Year 3 | $71,063 | $71,990 | $927 |
| Year 5 | $122,062 | $123,655 | $1,593 |
| Year 10 | $263,566 | $267,005 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Long Point or Maison Dieu cheaper to live in?
Long Point is cheaper to run by car at $22,991 per year versus $23,291 for Maison Dieu, a difference of $300 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Long Point and Maison Dieu?
Annual council rates for a house are $1,341 in Long Point (Singleton rates (OLG) and $1,341 in Maison Dieu (Singleton rates (OLG). Water and sewerage adds $1,300 in Long Point and $1,300 in Maison Dieu. 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 Long Point and Maison Dieu?
Long Point carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Maison Dieu carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Public transport costs $2,400 from Long Point and $2,400 from Maison Dieu.
What is the 10-year cost difference between Long Point and Maison Dieu?
At 3% annual cost growth, Long Point costs a cumulative $263,566 and Maison Dieu costs $267,005 over 10 years by car. The cumulative difference is $3,439 in favour of Long Point. Excludes purchase price, mortgage, and personal expenses.
Which of Long Point and Maison Dieu 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.
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Sources: Singleton rates (OLG and Singleton 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.