Lucas Heights 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
Lucas Heights and Yarrawarrah are both Sutherland rates (OLG suburbs, sitting 28.6 km and 26.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Yarrawarrah runs $516 a year cheaper than Lucas Heights, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,915.
Over 10 years the gap between these two is about $5,900, about $11 a week, and most of it is the AI-estimated insurance line.
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Yarrawarrah
Annual cost breakdown
| Category | Lucas Heights | Yarrawarrah | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,617 | $1,617 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,421 | $6,205 | +$216 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,550 | +$300 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,436 | $10,920 | +$516 |
| Total (public transport) | $7,415 | $7,115 | +$300 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lucas Heights | 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, Lucas Heights vs Yarrawarrah (2026-27)
What the numbers show
Lucas Heights and Yarrawarrah differ by $516 a year by car, but $300 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $216, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,415 from Lucas Heights versus $7,115 from Yarrawarrah.
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 Yarrawarrah by $216 a year, $6,205 against $6,421.
- Building insurance favours Yarrawarrah by $300 a year, $1,550 against $1,850.
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 and the insurance band.
Fire risk is rated high in Lucas Heights against medium in Yarrawarrah, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Lucas Heights cumulative | Yarrawarrah cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,436 | $10,920 | $516 |
| Year 3 | $35,348 | $33,753 | $1,595 |
| Year 5 | $60,715 | $57,976 | $2,739 |
| Year 10 | $131,101 | $125,186 | $5,915 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lucas Heights or Yarrawarrah cheaper to live in?
Neither is named cheaper. Lucas Heights runs $11,436 a year by car and Yarrawarrah $10,920, but most of the $516 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $216. Source: SuburbCost 2026 data.
What are council rates in Lucas Heights and Yarrawarrah?
Annual council rates for a house are $1,617 in Lucas Heights (Sutherland rates (OLG) and $1,617 in Yarrawarrah (Sutherland rates (OLG). Water and sewerage adds $1,548 in Lucas Heights 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 Lucas Heights and Yarrawarrah?
Annual driving commute costs are $6,421 from Lucas Heights and $6,205 from Yarrawarrah to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Lucas Heights and $2,400 from Yarrawarrah.
What is the 10-year cost difference between Lucas Heights and Yarrawarrah?
At 3% annual cost growth, Lucas Heights costs a cumulative $131,101 and Yarrawarrah costs $125,186 over 10 years by car. The cumulative difference is $5,915 in favour of Yarrawarrah. Excludes purchase price, mortgage, and personal expenses.
Which of Lucas Heights and Yarrawarrah suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.