Long Point vs Macquarie Fields: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Long Point and Macquarie Fields are both Campbelltown rates (OLG suburbs, sitting 32.8 km and 31.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $22 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 →Long Point
Macquarie Fields
Annual cost breakdown
| Category | Long Point | Macquarie Fields | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,539 | $6,467 | +$72 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,550 | $2,600 | -$50 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,134 | $12,112 | +$22 |
| Total (public transport) | $7,995 | $8,045 | -$50 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Long Point | Macquarie Fields | 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 — Long Point vs Macquarie Fields (2026-27)
What the numbers show
Long Point and Macquarie Fields cost within $22 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $252, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $72 per year. Long Point is 32.8 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $7,995 and $8,045 a year, so the $22 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Long Point cumulative | Macquarie Fields cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,134 | $12,112 | $22 |
| Year 3 | $37,505 | $37,437 | $68 |
| Year 5 | $64,421 | $64,304 | $117 |
| Year 10 | $139,103 | $138,851 | $252 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Long Point or Macquarie Fields cheaper to live in?
Macquarie Fields is cheaper to run by car at $12,112 per year versus $12,134 for Long Point, a difference of $22 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Long Point and Macquarie Fields?
Annual council rates for a house are $1,497 in Long Point (Campbelltown rates (OLG) and $1,497 in Macquarie Fields (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Long Point and $1,548 in Macquarie Fields. 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 Macquarie Fields?
Annual driving commute costs are $6,539 from Long Point and $6,467 from Macquarie Fields to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Long Point and $2,400 from Macquarie Fields.
What is the 10-year cost difference between Long Point and Macquarie Fields?
At 3% annual cost growth, Long Point costs a cumulative $139,103 and Macquarie Fields costs $138,851 over 10 years by car. The cumulative difference is $252 in favour of Macquarie Fields. Excludes purchase price, mortgage, and personal expenses.
Which of Long Point and Macquarie Fields 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: Campbelltown rates (OLG and Campbelltown 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.